Is life insurance trustworthy and is life insurance reliable?

Life insurance is a trustworthy, vice-ministerial-level central enterprise.

Listed companies, no problem, if you want to buy insurance, it is best to choose what kind of insurance to do, now the insurance category is very detailed, choose the right one, see what you really want. Hope.

Definitely trustworthy.

Founded on October 20, 1949, Chinese Life is the earliest enterprise to operate insurance business in China, the first insurance company listed in New York, Shanghai and Hong Kong, and was promoted to a vice-ministerial-level central enterprise in 2012. We have known each other for many years and are worth entrusting.

Listed companies, unified supervision by the state, the same degree of security; All take the specific policy terms as the contract principle, everyone is a unified insurance design background parameters, there is no good or bad insurance or special advantages, the purpose is to follow the insurance function in the general direction, and meet the detailed needs of different customers in the small direction, which is a reasonable choice of insurance.

Chinese people have known each other for many years and are worthy of trust.

If you want to vote, you will vote for Chinese life, Chinese life is the country's fate, you put 10,000 hearts.

Not everyone can be trusted.

The insurance industry is one of the three major economic pillars of society, and it is very important to find a professional life insurer.

Others do hundreds of millions of businesses by signing contracts, what do you say?

China Taiping Life Insurance is a vice-ministerial-level central enterprise, which can be examined.

Unreliable, the insurance company --- hiding a knife in a smile.

1. Insurance salesmen conservatively estimate that 80% are defrauding customers. This includes both intentional and unintentional. The ultra-high elimination rate of salesmen of insurance companies is extremely irresponsible to customers.

For example, if someone later discovers that he has been deceived by an insurance salesman and complains to the insurance company, the salesman has left the company. At this time, even the complaint is "the blind man lights the lamp in vain".

Most salesmen stay in the insurance company for only one month, less than 7% stay for two years, and less than 2% stay for five years.

At present, almost all insurance companies in China have a unified sentence when they make mistakes: "There is no standard for China's insurance industry, and we are still learning" to excuse themselves. We might as well ask, "If you are studying, should the client pay for you?"

This bandit logic has become a simple or unwritten rule for all insurance companies. Ten years ago, it was a sentence, and today it still does not change a word.

2. From the nature of the contract, the insurance contract is a very unfair contract, because the text clauses of the contract are unilaterally formulated by the insurance company, and some of the text clauses are interpreted in a variety of ways, so once the lawsuit is filed, it is the customer who suffers. Insurance claims are even more troublesome, the insurance company will not settle the claim so simply, maybe 80% of them are going to court to litigate, that is, once you sign an insurance contract with the insurance company, the rate of you and the insurance company in the future is 80%, unless you give up the claim, the 80% can win the lawsuit is about 15%, because the text terms of the insurance contract are interpreted in a variety of ways, and the normal claim is 20%. Therefore, if you buy an insurance policy, the probability of getting a claim is 35%. ”

Summary. Background of life insurance company: Chinese Life Insurance Company was established in 1949, formerly known as Chinese People's Insurance Company, officially renamed in 1999, headquartered in Beijing, is the world's top 500 enterprises, China's top 500 brands, is the leader of China's insurance market, and has developed so far, Chinese Life has won many honorary medals in the industry, has a good reputation among consumers, so it has strong market competitiveness.

Chinese life insurance is approved by the China Insurance Regulatory Commission to be established, so the insurance company is subject to state supervision, its safety is worth affirming, because the products launched by the insurance company need to be supervised, and if the company is not operating well, the state will properly deal with it, arrange the same type of company to acquire, so that the policyholder's policy continues to be valid and will not harm its own interests, so Chinese life insurance is very reliable.

Chinese Life Insurance Company is reliable. Chinese Life Insurance Company is China's state-owned super-large Jinchang fool financial insurance enterprise, belongs to the first financial enterprise, not only China's top 500 products and brand resistant potatoes, but also the world's top 500 enterprises. Chinese Life mainly operates life insurance, critical illness insurance, accident insurance and other life insurance businesses, and has a long history in the insurance industry.

Background of life insurance company Liang Jianda: Chinese Life Insurance Company was established in 1949, formerly known as Chinese People's Insurance Company, in 1999 Liangzhao began to officially change its name, headquartered in Beijing, is the world's top 500 enterprises, China's top 500 brands, is the leader of China's insurance market, and has developed so far, Chinese Life has won many honorary medals in the industry, has a good reputation among consumers, so it has strong market competitiveness. Chinese life insurance is approved by the China Insurance Regulatory Commission to establish, so the insurance company is subject to national supervision, its safety is worthy of recognition, because the products launched by the insurance company need to be supervised, and if the company is not operating well, the state will properly deal with it, arrange the same type of company to acquire, so that the policyholder's policy continues to be valid and will not harm its own interests, so Chinese life insurance is very reliable.

Is life insurance reliable? First of all, the answer to this question is yes, our life insurance is trustworthy, and if insurance products can be listed through the strict restrictions of the China Insurance Regulatory Commission, they must comply with the regulations. So, why are there still so many**, mainly due to the following reasons.

1. One-sided exaggeration of investment insurance returns.

Investment-oriented insurance income** is generally divided into three tiers: high school and middle school. In order to enhance the influence of insurance products, some salespeople deliberately conceal low to middle income when introducing products, and only introduce high income to consumers.

Even the revenue introduced is higher than the predetermined premium income. There are also salesmen who verbally promise benefits to consumers. In fact, insurance income is also linked to the income of the insurance company.

If the insurance company has no income, then we most likely have no income.

2.Equate the line between insurance and deposits.

Confusing insurance with bank deposits, wealth management products, and ** is a common way to mislead insurance sales and a prerequisite for "converting certificates of deposit into insurance policies". Some salespeople will recommend insurance products to the insured when they go to the bank to make a deposit, and simply compare the investment income of the insurance product with the bank's financial products or fixed deposits. They even directly interpret insurance products as "bank financial products", or induce insureds to buy insurance in violation of self-made product specifications and investment agreements.

3. Concealment of past medical history or unclear disclaimers.

In fact, many insurance pitfalls can be avoided for us, and sometimes we don't tell us about our previous medical history in time, resulting in a failed claim. If the exclusion clause is not clear, the insurance company will not admit that they need to make a claim when the accident finally occurs. Therefore, when buying insurance, you must fully realize the importance of telling the truth and the serious consequences of not telling the truth.

If you don't tell us the truth about your medical history, you won't get the insurance money, and even the premium may not be refundable.

Hello! Does life insurance deceive people? Life insurance has a history of more than 300 years, and it is a scientific system that has been produced by the progress of human civilization to solve the risks that we cannot bear.

If it is a lie, do you say that it will deceive people for hundreds of years and still deceive? If it were a deception, would the world's most politically minded people, such as Winston Churchill, and the most financially minded people, such as Li Ka-shing, buy a lot of life insurance? Maybe you have a concept that you haven't figured out, insurance itself is a neutral, non-assertive thing, it itself is not a so-called deception or not deception, it is just a financial management tool, most people use insurance to do good things, but it is not excluded that a few people use it to deceive people.

Like a knife, there is no such thing as good or evil in itself, and most people use the knife to cut vegetables, chop wood, carve, and even perform surgery to cure diseases and save people. Occasionally, someone accidentally gets a knife to cut their fingers, and only a very small number of people use knives to kill people. Therefore, "someone uses insurance to deceive people" should not be said to be "insurance deceives".

The truth is, "someone cheats", not "insurance cheats". We can probably say with certainty that people who cheat with insurance will also use other methods to cheat people. It's a question of the nature of the person, not a question of methods or tools.

Hope to answer your questions.

Life insurance is recognized by the state and should not deceive people.

I think Chinese life insurance is still relatively reliable, especially for those smaller insurance companies, it should be regarded as a more trustworthy choice。There are too many insurance companies on the market, and many people who want to buy insurance don't know how to choose, in fact, in this case, the first thing we should choose is an insurance company that has economic strength and has been in business for many years. Chinese Life meets these two conditions, first of all, as a state-owned enterprise, its economic strength is naturally unquestionable, and secondly, Chinese Life has been operating for many years and is very experienced in insurance, no matter which field of insurance is basically involved.

What comes to mind when you think of insurance? The first thing that many people think of is deception, probably because there is no way to get compensation after the accident, so they instinctively think that the insurance company is **. In fact, insurance is really not as complicated as everyone thinks, just because there are some unscrupulous salesmen who always sell insurance to consumers according to their own commissions, or do not inform all the regulations clearly, which has led to the reputation of the insurance industry getting worse and worse.

In fact, insurance is indeed a better policy, and everyone should buy 1 or 2 more insurance for themselves when conditions permit, to protect their lives.

For example, if a person suffers from a serious illness, it may bring down the entire family, although most people now have medical insurance, but medical insurance does not fully reimburse the family. Maybe if a person wants to be treated, he needs to spend tens of thousands or even hundreds of thousands of dollars, which is a very big blow to ordinary families. But if the person himself buys commercial insurance, in fact, this blow can be completely avoided, because after the accident, the commercial insurance will give a certain amount of compensation.

To put it simply, if you invest two or three thousand yuan a year, you can get 200,000 yuan in compensation when the time comes, which is equivalent to buying a talisman for yourself. Chinese life insurance is actually unified, especially those more classic insurance, he will not deceive a person alone, so you can still buy it with confidence. It's just that we should not trust the words of the insurance salesman when buying, and we must choose insurance according to our own needs.

And you should choose such a more reliable insurance company to buy insurance.

This kind of insurance is a state-owned enterprise should be more reliable, compared with other on the market, life insurance should be the best one, but there will definitely be shortcomings, but the flaws are not hidden.

Chinese life insurance is approved by the China Insurance Regulatory Commission to be established, so the insurance company is subject to state supervision, its safety is worth affirming, because the products launched by the insurance company need to be supervised, and if the company is not operating well, the state will properly deal with it, arrange the same type of company to acquire, so that the policyholder's policy continues to be valid and will not harm its own interests, so Chinese life insurance is very reliable. ”

It's still relatively reliable, this insurance company has been around for many years, so this insurance company is still good, with different charms.

It is very reliable, life insurance is very good, and the terms in it are also very clear and very reliable.

Reliable. Because life insurance is a large company and is regulated by the state, I think it is quite reliable.

Not very reliable. Some of the things in it are not very good, and the risks are also very high, not very reliable.

I think it's more reliable, because it's a big company after all, and it's more reliable.

Background of life insurance company: Chinese Life Insurance Company was established in 1949, formerly known as Chinese People's Insurance Company, in 1999 began to call the official name change, headquartered in Beijing, is the world's top 500 enterprises, China's top 500 brands, is the leader of China's insurance market, and has developed so far, Chinese Life has won many honorary medals in the industry, has a good reputation among consumers, so it has strong market competitiveness. Chinese life insurance is approved by the China Insurance Regulatory Commission to be established, so the insurance company is subject to state supervision, its safety is worth affirming, because the products launched by the insurance company need to be supervised, and if the company is not operating well, the state will properly deal with it, arrange the same type of company to acquire, so that the policyholder's policy continues to be valid and will not harm its own interests, so Chinese life insurance is very reliable.

Background of life insurance company: Chinese Life Insurance Company was established in 1949, formerly known as Chinese People's Insurance Company, officially renamed in 1999, headquartered in Beijing, is the world's top 500 enterprises, China's top 500 brands, is the leader of China's insurance market, and has developed so far, Chinese Life has won many honorary medals in the auction industry, has a good reputation among consumers, so it has strong market competitiveness. Chinese life insurance is approved by the China Insurance Regulatory Commission to be established, so the insurance company is subject to state supervision, its safety is worth affirming, because the products launched by the insurance company need to be supervised, and if the company is not operating well, the state will properly deal with it, arrange the same type of company to acquire, so that the policyholder's policy continues to be valid and will not harm its own interests, so Chinese life insurance is very reliable.