Sell insurance and choose Ping An Life or Chinese Life??Why ??? 100

Chinese Life Market is big I buy Chinese Life insurance every time I hope thank you!

In fact, which insurance company is the key to look at the individual, personally feel that the ** harvest is more development there, you can go to several insurance companies before you are determined, Chinese Life, Chinese People's Insurance, China Taiping, China Ping An, China Pacific Insurance and other big companies can go to see.

Chinese life is good, central enterprises, Chinese's own insurance companies, to Ping An is to make money for the British investment company, and Ping An's insurance contract is very thick, there are many terms, inhumane.

If you buy life insurance, it's okay, if you buy commercial insurance, I think it's okay, saying that your insurance interest is not as high as the bank, and there are many rules and regulations in the most insurance, if you are not proficient in this, or no friends are proficient in the bank.

To choose a powerful company, only Chinese Life is subordinate to the state in the insurance industry, and the vice-ministerial-level central enterprises, that is, his background is the state, understand.

Ping An of China has a large business scope and a higher income.

Buying insurance is buying safety.

Hello sir, there are too many insurance companies, and there are many insurance brands, the key is what kind of protection you need and how old you are, according to the actual situation, I can give you a specific plan to design a catch-up protection plan.

The name of life, the mouth of peace, Taiping products are the most affordable!

Choose the products of New China Insurance.

When buying insurance, you should choose the one that suits you.

Chinese Shou!Knowing each other for many years is worth entrusting!Vice-ministerial central enterprise, the world's top 500!Trustworthy!

If you want to vote, you will vote for Chinese life!Knowing each other for many years is worth entrusting!

Every company has its own advantages, and choosing the right platform for you can have better development.

Ping An of China!The world's top 20 listed companies.

China Life is good, China Life is good, we are running with you.

It's not about where you buy it, it's what kind of protection you need

Each has its own characteristics.

1. Comparison of claims services:

1. Ping An Insurance.

The premium is low and the protection is high, up to 6 million. 20-year-old only 202 yuan a year, 30-year-old only 335 yuan a year, 40-year-old only 529 yuan a year, social security can be reimbursed both inside and outside, can be renewed until 99 years old, as long as the insurance is healthy, the insurance company can contract, whether you are sick or not, you can always be insured, and there will be no additional premiums.

2. Chinese Life Insurance.

Claims service: 1) Caring to visit customers and provide fast and considerate claim settlement services.

2) The "Medical Insurance Pass" system provides "zero time, zero distance" compensation method.

3) In cases of less than 1,000 yuan, complete materials, and clear responsibilities, the immediate and desirable compensation method shall be adopted.

Second, **Comparison:

1. Ping An Insurance.

In the process of choosing the type of insurance, the insurance coverage and insurance amount of each type of insurance.

Liability and insurance costs will be clearly presented on the page, and the final result also provides market comparison and savings, transparent and fair, so that car owners can truly consume clearly.

After purchasing car insurance through Ping An's official website, car owners can freely use major bank cards across the country to pay online, POS machines to swipe cards, and collect cash at various premium payment methods.

Within 48 hours, the policy and invoice will be delivered to the designated place.

2. Life insurance.

Life insurance premiums, net premiums and additional premiums. The former is used for the payment of insurance benefits; The latter is used for the operating expenses of the insurance company's business.

The sum of the two is the business insurance premium, also known as the gross premium.

It is calculated as follows:

Gross premium = net premium + additional premium.

The actuarial present value of insurance premiums is the sum of the actuarial present value of the net premium and the actuarial present value of the additional premium, resulting in:

Actuarial present value of net premiums + actuarial present value of additional premiums = actuarial present value of insurance premiums + actuarial present value of various operating expenses.

In this case, the net premium and the supplementary premium can be calculated separately.

3. Solvency comparison

Solvency, also commonly known as "claims capacity", the solvency report for the first quarter of 2018 has long been released, according to statistics, Chinese Life and Ping An.

The solvency index is much higher than the standard line announced by the state, with the overall solvency of China Life in the first quarter of 2018 being 271% and Ping An being 234%.

Both companies are good.

The principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

The staking expenditure of its insurance cost is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

For each of us, health insurance should be seriously considered. Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social insurance, and then consider other insurance products, so that it makes sense. If you are not healthy, it is impractical to have more pension insurance.

It is recommended that you first purchase the social security launched by the state (preferably if the unit comes forward to purchase), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that in this industry, there are three recognized sentences that say this: "brand in life", "Ping An talents" and "Xinhua products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally a lifelong contract, and you can become lifelong happiness if you buy it, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and it must be able to curb inflation.

4) Buy insurance first adults and then children, if adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is adults who pay for children.

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

In fact, they are all the same, basically the same.

From my personal point of view, compared with Ping An's strength, it is PICC, not life insurance.

The most important thing is that if there is ** person to serve the best and most convenient.

Principle 1: Priority is given to purchasing sufficient third-party liability insurance. When buying car insurance, you should prioritize maintaining the ability to compensate others for their losses, otherwise you will be helpless after an accident.

Although the functions of third-party liability insurance and compulsory liability insurance almost overlap, they are both used to pay for the other party's medical or compensation expenses after the car owner's car hits a person. However, from the current point of view, the protection capacity of the compulsory traffic insurance is limited, and it is difficult to deal with major personal injury accidents, so it is generally necessary to purchase third-party liability insurance.

Principle 2: The insurance amount of the third-party insurance should refer to the compensation standard of the location. According to the calculation of the highest standard of auto insurance compensation, if one person dies in the former withered fruit, the maximum compensation in Shenzhen can reach 1.5 million yuan, and the maximum compensation in Hubei may exceed 600,000 yuan.

It is recommended that car owners take a look at their old insurance policy, if the insurance amount is insufficient, it is recommended to insure at least 200,000 yuan, and 500,000 yuan if possible.

Principle 3: Buy car damage insurance after buying enough car occupancy insurance. If there is no other accident insurance and medical insurance, the owner of the car can buy 100,000 yuan of driver's insurance for himself as medical expenses and be responsible for his family; If the passenger has a high chance of riding, he can insure passenger insurance, 5-100,000 seats, and be responsible for his family and passengers.

If the chance of riding is small, it is more economical to guarantee 10,000 yuan per seat.

Principle 4: Buy car damage insurance and then buy other types of insurance, traffic accidents are often accompanied by car damage, car repair costs should not be underestimated, and the protection of the car is also very important.

Vehicle damage insurance is the most widely used type of insurance in vehicle insurance, whether it is a small scratch in daily inadvertent times, or serious damage to the car caused by an accident, as long as it is within the scope of insurance liability, you can apply to the insurance company for compensation for repair costs. However, there are also various exemption clauses for vehicle loss insurance, so car owners should carefully study the various smart terms of vehicle loss insurance before applying for insurance, and grasp the content of vehicle damage insurance, so as not to fall into the misunderstanding of claims.

Principle 5: Purchase deductible insurance for three-party insurance, driver's seat liability insurance, and car damage insurance. Spend a little more money and let the insurance company pay for it without discounting.

The full name of the so-called deductible insurance is "special liability insurance without deductible". Special liability insurance without deductible is divided into two types: basic insurance without deductible and additional insurance without deductible. The basic insurance does not include deductibles, and the main insurance corresponding to it is vehicle damage insurance and third party liability insurance.

The additional insurance does not include deductibles, corresponding to additional insurances such as "scratch insurance", "theft insurance" and so on.

Principle 6: Other types of insurance should be selectively purchased according to their own needs. For example, compared with the first five risks, the impact on family happiness and property is not as serious as the first five risks, and the insurance types in principle 6 should be considered under the condition of ensuring that the first five principles are met.

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