What are the advantages of MetLife Insurance in the United States?

Answer: There is a difference between Hong Kong insurance and mainland insurance, compared with the same premium of domestic insurance, Hong Kong insurance premiums are cheaper, the coverage is large, and the claim terms are relaxed. Because Hong Kong is one of the three major financial centers in the world, Los Angeles in the United States, London in the United Kingdom, and Hong Kong in Asia.

Therefore, you can enjoy lower premiums and higher returns when applying in Hong Kong. At the same time, most of the world's multinational insurance companies operating insurance business in Hong Kong, coupled with Hong Kong's complete legal system and strict supervision by the British legal system, all provide policyholders with a high degree of integrity and comprehensive protection. 1. For the insured of the same age, the Hong Kong premium is usually 60%-70% of the domestic policy2. If it is a critical illness, more diseases are covered, and 52 kinds of early-stage critical illnesses are also covered, and the coverage is more comprehensive.

3. The policy is over 5....

Xueba talks about insurance, focusing on insurance product evaluation! In 2004, the Sino-US Luen Thai Metropolis opened in China, mainly in the first and second tier cities, the largest life insurance company in the United States to China What is the status of this ranking:"Inventory of the top 10 insurance companies in China".

In the 2018 Metropolitan 500 World Brands, MetLife Insurance ranked 300th. But just looking at this ranking is not enough, I will analyze Metropolitan Insurance Company from solvency, word-of-mouth reputation, and product situation.

(1) Solvency

Met's claims policy exceeded 20,000 in November 2018, what is the level of Met's solvency? Directly on the list at a glance:"2020 Solvency Ranking List of the Most Complete Insurance Companies".

(2) Word-of-mouth reputation

In order to have a higher claim settlement speed, MetLife Insurance has launched an automatic micro-customer service platform, which allows consumers to solve self-service services such as insurance renewal, claim settlement and consultation, which is convenient for consumers and has been praised and recognized by many consumers.

(3) Product conditions

MetLife has Genuine Care Hospitalization Allowance Medical Insurance, Accident & Critical Illness Protection Plan, Healthy Lifetime Illness Insurance Plan, Self-driving Accident Insurance and other products.

The Healthy Life Whole Life Illness Insurance Plan was selected as the object of analysis

Pros:

Healthy Whole Life Illness Insurance Plan offers optional additional coverage up to age 65, age 75, age 85 and whole life, providing flexibility in terms of coverage types and coverage periods. The liabilities of the product are independent, and other liabilities are valid regardless of whether there is compensation for critical illness or not.

Deficiencies:

(1) Unreasonable classification of critical illnesses

Malignant tumors and liver and kidney related diseases are divided into the same group, and there is no separate grouping, so grouping, once the malignant tumor is paid, other diseases in this group are no longer guaranteed, and the probability of multiple claims is very low because the group is too small.

(2) Repeated claims for mild illness are disappointing

There are very few critical illness insurance companies on the market that will be grouped for mild cases, and there is also an interval for healthy and casual mild illnesses, which is to reduce the probability of compensation for the second claim for cancer, which is very inconsiderate.

(3) **More expensive

Retain critical illness, mild illness, waiver and main insurance, 30-year-old women, pay for 30 years, the sum insured is 500,000, the annual premium for health is more than 11,000, and the annual premium for health is more than 11,000, and the health of life 2019 only needs to pay more than 6,000 per year, which is almost half of the health of life, and the content of health life 2019 is more than health care, for a more comprehensive comparison, please see:"Comparison Table of 136 Popular Critical Illness Insurance in China".

After reading it, you will know that the health care whole life illness insurance plan is not very cost-effective.

Summary: The strength of the metropolis is still there, with good solvency, reputation reputation, but the product has an obvious brand premium, so the cost performance is not high, if you have to buy this company's insurance, you have to have a higher budget.

Thanks for reading, hope!

The most important thing is that the claim will not be very verbose and refreshing.

Sino-US Metropolis is a formal insurance company. Whether the insurance company is good or not depends on whether the strength of the insurance company is strong, the service is not thoughtful, and the claim settlement is not fast. The details are as follows:

1. Sino-US MetLife Insurance **** was merged from the merger of two life insurance companies, Sino-US Metmet and Luen Thai Metropolitan, and the merger plan was approved by the China Insurance Regulatory Commission in March 2011, and was approved by the administrative department for industry and commerce on April 12 and officially renamed. The new company is legally registered in Shanghai and adopts the operation model of dual headquarters in Beijing and Shanghai. On April 19, Sino-US MetLife Insurance **** was officially established in Xinhai, Shanggaizhou.

2. With MetLife's rich experience in the insurance industry and Shanghai Lianhe Investment****'s deep understanding of the Chinese market, MetLife is committed to providing Chinese consumers with trustworthy and professional insurance solutions. MetLife provides life, health, accident and endowment insurance products to consumers in more than 20 cities across the country through multiple channels such as consultancy marketing, bancassurance, direct marketing and group insurance.

3. MetLife's original Luen Thai MetLife Insurance was formally established in Shanghai on August 10, 2005, with a registered capital of 500 million yuan (increased to 700 million yuan in 08 years), which was formed by Shanghai Lianhe Investment **** and a subsidiary of MetLife Group in the United States.

4. Shanghai Lianhe Investment and MetLife are also shareholders of Luen Thai MetLife, headquartered in Shanghai, so that the two companies of MetLife and MetLife are officially merged. The name of the new company after the merger is:"Sino-US MetLife Insurance****", abbreviation"MetLife"。

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The history of the Metropolitan Life Insurance Company dates back to 1863, when a group of New York businessmen raised $100,000 to establish the National and Local Life Insurance Company.

The newly formed company provided insurance benefits for sailors and soldiers who were disabled by war injuries, accidents, and illnesses during the U.S. Civil War.

In 1868, after five years of slump in the insurance industry and a major reorganization of the company, the company focused on life insurance and began to provide services to the middle class.

The founders of the company chose "Metropolitan" as the company name because of their success in the "metropolis" of New York.

The new company still faced many difficulties, and the economic crisis of the early nineteen-seventies led to the failure of more than 30 life insurance companies in New York City due to mismanagement, and only those large, long-established insurance companies survived.

In the years that followed, policy tilts forced the company to austere its finances, reaching a trough at the end of 1870.

In 1879, the head of the company, Joseph FKnapp shifted its attention to the UK, where the industrial insurance business and worker safety insurance business were very successful at that time.

At that time, the United States did not have such an insurance business because of the cost of office space and the cost of maintaining the company to sell insurance business door-to-door, and to count 5 cents or 10 cents a week.

After introducing the British insurance business, Metropolitan Life Insurance Company quickly adopted the successful British approach to serve the United States.

By 1880, the company was able to sign more than 700 industrial insurance deals a day.

The rapidly expanding business reduced the cost of insurance, and the new business quickly proved to be very successful.

Metro Life Insurance fills an important gap by serving recent immigrants to the United States who work in U.S. factories.

The industrial insurance business of the metropolitan life insurance company is facilitated, and it also serves female workers and children.

The services of the Metropolitan Life Insurance Company became an important part of the lives of ordinary working families.

Every week, the labor protection department has to call the workers' families to keep in touch, and in the process of collecting insurance premiums, the insurance company also listens to the opinions and suggestions of customers at any time.

This approach was so successful that in 1909, the Metropolitan Life Insurance Company became the largest life insurance company in the United States, and the company's influence is still significant in North America today.

Summary. MetLife is the abbreviation of MetLife Group, founded in 1863 in New York, USA, by a group of New York City entrepreneurs for $100,000, formerly known as National Union Life and Limb Insurance Company. In addition to the United States, the Group also has direct insurance subsidiaries in Asia Pacific, Latin America and Europe.

MetLife is the abbreviation of MetLife Group, which was founded in 1863 in New York City, and was formed by a group of New York City entrepreneurs with $100,000, formerly known as National Union Life and Limb Insurance Company. In addition to the United States, the Group also has direct insurance subsidiaries in Asia Pacific, Latin America and Europe.

Sino-US MetLife Insurance**** (hereinafter referred to as "MetLife") is a joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment****. With Met's rich experience in the insurance industry and Shanghai Lianhe Investment****'s deep understanding of the Chinese market, Metropolis is committed to providing trustworthy and professional insurance solutions for Chinese consumers. MetLife provides life, health, accident and savings insurance products and other insurance services to customers in nearly 20 cities across the country through multiple channels such as advisory marketing, bancassurance, direct marketing and group insurance.