Many people in our company have bought MetInsurance, what do you think?

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

In the 2018 Fortune 500 World Brands, MetLife's strength should not be underestimated, ranking 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

With more than 20,000 claims settled in November 2018, is the level of Met's solvency worth boasting? Click on the list and you'll know:"2020 Solvency Ranking List of the Most Complete Insurance Companies".

(2) Word-of-mouth reputation

In order to make claims more efficient, MetLife Insurance has launched an automatic platform for micro-customer service, which can be solved by consumers in terms of insurance renewal, claims and consulting services, which saves time for consumers and is recognized by the industry and 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.

Analyze the Health Free Whole Life Illness Insurance Plan to take a look at Met's offerings:

Pros:

Healthy Whole Life Insurance Plan offers optional additional coverage up to age 65, age 75, age 85 and life, with the flexibility to choose the duration and type of coverage according to your needs. The liabilities of the product are independent, and the additional liabilities will continue to be valid after the critical illness is claimed.

Deficiencies:

(1) Unreasonable classification of critical illnesses

If a malignant tumor is diagnosed and the compensation is made, the diseases in the same group as it will lose the opportunity to make a claim, and the group is too small, and the probability of multiple claims is very low.

(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 mild illnesses that are healthy and carefree, and the interval usually appears in the second claim for cancer, which is obviously unpopular.

(3) **More expensive

When the protection includes critical illness, mild illness, waiver and main insurance, a 30-year-old woman, paid in 30 years, the sum insured is 500,000, and the annual premium that needs to be paid by Health is more than 11,000, compared to the annual premium that needs to be paid in Health Life 2019 is more than 6,000, and the protection of Health Life 2019 is more comprehensive than Health Life, you can take a look at the comparison with other critical illness insurance:"Comparison Table of 136 Popular Critical Illness Insurance in China".

In comparison, the Healthy Life Whole Life Illness Insurance Plan** is slightly higher than other popular critical illness insurance plans.

Summary: The strength of the metropolis is still there, in solvency, word-of-mouth reputation are not bad, but the product is more expensive, so the cost performance is not high, if you pursue the company's insurance, you must be prepared to spend relatively more costs.

Thanks for reading, hope!

Very good choice with a lot of deals.

MetLife Insurance refers to Sino-US MetLife Insurance, which is committed to providing trustworthy and professional insurance solutions for Chinese consumers, which is a joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment. Sell insurance through multiple channels such as consultative marketing, bancassurance, direct marketing and digital marketing.

Sino-US MetLife Insurance**** was established on August 10, 2005, and its registered place is located on the entire floor of No. 1196 Century Avenue, China (Shanghai) Free ** Pilot Zone; The business scope includes life insurance, health insurance and accident insurance. Reinsurance business for the above businesses.

Shanghai Lianhe Investment Co., Ltd. is a wholly state-owned investment company under the Shanghai State-owned Assets Supervision and Administration Commission, and Metropolitan Group is a global financial services company with numerous subsidiaries and associates, providing insurance, annuities, employee benefits and asset management to help individual and institutional clients navigate the rapidly changing world.

When buying insurance, users can compare similar insurance types launched by different insurance companies, and then choose the most cost-effective book. However, when buying insurance, you must read the insurance contract in detail, know its coverage, and understand the annual payment situation, and whether you can afford it.

1.The strength of the display of the wax search.

Founded in 2005, MetLife is headquartered in Shanghai with a registered capital of 100 million yuan.

With MetLife's extensive experience in the insurance industry and Shanghai Lianhe Investment** Jianxian's deep understanding of the Chinese market, MetLife is committed to providing reliable and professional insurance solutions to Chinese consumers.

2.Solvency.

Solvency has always been a point that everyone will pay more attention to, because it is related to the ability of insurance companies to settle claims. When the CBRC examines whether an insurance company's solvency meets the standard, it will have three hard indicators, namely: the core solvency adequacy ratio is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the comprehensive risk rating is not lower than B.

According to the data for the first quarter of 2022, the core solvency adequacy ratio is the comprehensive solvency adequacy ratio, and the latest composite risk rating is A. It can be seen that the solvency of the Metropolitan Rotation Calendar Insurance Company far exceeds the index, and this strength can be said to be quite strong.

Generally reliable.

The full name of MetLife Insurance is "Sino-US Liantai MetLife Insurance", which is a joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment, which was established in 2005 and has gone through 15 years. After years of development, Metropolis has become one of the three giants of insurance for foreign-funded enterprises. Overall, it's very trustworthy, but there are some drawbacks.

The specific advantages and disadvantages are as follows:

1.Low risk. Generally, insurance companies will conduct a comprehensive risk rating test, with A indicating the lowest risk and D indicating the highest risk.

The overall risk rating of Metworld is A, which means that it is a very low-risk insurance platform. Those customers who are worried about the unreliability of foreign-funded enterprises can rest assured that although foreign-funded enterprises have a higher risk coefficient than state-owned enterprises, with the support and encouragement of economic development and national policies, foreign-funded enterprises have gradually gained a firm foothold and opened up their own world.

2.High timeliness of claims. The latest data shows that the average time limit for claims in Metropolitan Insurance is in days, which means that if compensation is required, it can be effectively processed in less than three days, which is a very fast processing speed nationwide.

3.Metropolis focuses on value-added services. The company has VIP distinguished customer service, which can provide effective answers to customers who have doubts.

If the customer is unsure whether they should be insured, they can find a professional insurance consultant, tailored to the user's needs, which is the best way to achieve the maximum protection demand with the least amount of money.

4.Although Metropolitan is a good choice in general, there are different regulations for special insurance items, for example, for malignant tumor insurance benefits, it must be the first diagnosis, and if it is a second or third diagnosis, it cannot be compensated. Therefore, users should weigh according to their own needs and choose the most suitable insurance.

Buying insurance is not only to buy protection for yourself, buying insurance is also a manifestation of a sense of responsibility, but also a manifestation of care for your family, because the injury caused by accident or illness is very large will drag down the whole family, so that the whole family's economy collapses instantly, selling insurance can effectively help you transfer the risk of accident or disease, so that you and your family, life is guaranteed. <>

MetLife Insurance refers to Sino-US Luen Thai MetLife Insurance****, which is committed to providing prudent, trustworthy and professional insurance solutions for Chinese Bixiaoliang consumers, the company is a joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment Co., Ltd. Confessional Broad Co., Ltd. sells insurance through multiple channels such as consultancy, marketing, bancassurance, direct insurance and digital marketing. <>

The meaning of buying insurance is not to consume but to provide a guarantee for the life of yourself and your family, when the risk comes, life can continue normally Simply put, buying insurance is to buy a tool to transfer risk, and it should also be noted that buying insurance is not to make money, but to reduce accident and disease losses, insurance premiums are the best embodiment of your living standard Cheap premiums mean that the standard of living is relatively low, so don't say that the premiums are expensive, because only this kind of insurance is worthy. <

MetLife believes that the original intention of insurance is the watchfulness of people, and the development competitiveness of He Xiangzhu Insurance Company should never deviate from this original intention The insurance industry to strengthen its comprehensive competitiveness is the most correct way, and it should continue to maintain insurance innovation Continuous investigation, research, and updated insurance products to provide insurance services for more consumers After purchasing insurance, the follow-up claims of insurance is the focus of many people's attention, and MetLife's claims service has always been popular with users In the claim timeliness and service has not been left behind, but showed a significant improvement in improvement.

I think it's not bad because the company is big and has a lot of business lines, so it's not bad.

I haven't heard of this insurance company, and when you choose insurance, it's best to choose some large insurance company, which is guaranteed.

The comprehensive strength of MetLife is not bad, and it has been selected as one of the top 100 enterprises in China's brand power in 2021 and won the "2021 Outstanding Shiye Rupai Life Insurance Company" award.

Background of the insurance company

Sino-US MetLife Insurance Co., Ltd. (hereinafter referred to as MetLife) is a joint venture between a subsidiary of MetLife Group and Shanghai Lianhe Investment, which was established on August 10, 2005 with a registered capital of 100 million yuan.

With MetLife's extensive experience in the insurance industry and Shanghai Lianhe Investment**'s deep understanding of the Chinese market, MetLife provides life, health, accident and annuity insurance products and other insurance services to consumers in nearly 30 cities across the country through multiple channels such as consultative marketing, bancassurance, direct marketing and digital marketing.

Solvency.

If an insurance company wants to be solvent qualified, it needs to meet the following standards stipulated by the CBIRC: core solvency adequacy ratio greater than or equal to 50%; The comprehensive solvency adequacy ratio is greater than or equal to 100%; The overall risk rating is B and above.

According to the Q4 2022 Solvency Quarterly Report of MetLife Insurance, its core solvency adequacy ratio is a comprehensive solvency spine ratio, and the comprehensive solvency adequacy spine ratio is a and AA in the last two (Q2 and Q3 2022) risk composite ratings, respectively.

In this way, MetLife's solvency indicators are far above the passing line, so you don't have to worry about it not being able to pay the insurance money. If you still have friends who are worried that the bankruptcy of the insurance company will affect their policies, you can take a look at what the experts say:The insurance company is bankrupt, what should I do with the insurance I bought?

Hope.

Due to its outstanding contribution to the implementation of the sustainable development concept of environmental, social and corporate governance (ESG), Metropolis Xiaoshenshou won the "ESG-Shared Value Contribution Award" in the 2021 CBN China Enterprise Social Responsibility List, setting a new model of "benevolent business".

What will Changhong protect?

During the contract insurance period, the insurance company will assume the following insurance liabilities:

1.Survival Annuity.

If the insured survives at 24 o'clock on the anniversary of each insurance policy during the following living annuity payment periods agreed in the contract, the insurance company will pay the corresponding survival annuity according to the following table:

2.Maturity benefit.

If the insured survives until the expiration of the contract insurance period, the insurance company will pay the maturity insurance benefit according to the basic insurance amount of the contract, and the contract is terminated.

3.Death benefit.

During the contract insurance period, if the insured dies, the insurance company will pay the death benefit according to the greater of the following two items: "Accumulated premiums paid" and "Cash value", and the contract will be terminated.

is a joint venture. It's a household name in the United States! With rich life experience, MetLife provides life, health, casualty and annuity insurance products and other insurance services to consumers in nearly 30 cities across the country through multiple channels such as advisory marketing, bancassurance, direct marketing and digital marketing.

As a Fortune 500 company, and the customers facing insurance products are white-collar workers, and they are also taking the mid-to-high-end route, the company's comprehensive solvency adequacy ratio.

Q2 2022, Q1 2022, Q4 2021, Q3 2021.

The company's overall risk rating.

Q2 2022, Q1 2022, Q4 2021, Q3 2021.

aa a a a