What about life and critical illness insurance in the Pacific Who would be better than Ping An s

Founded in 1991, CPIC is the big brother of the insurance industry and has been selected as one of the world's top 500 companies for eight consecutive years with its strong strength. How to evaluate Pacific Insurance Company, mainly look at three questions:

1.Is the product launched by Pacific Insurance worth buying?

Children's Super Energy Treasure Jinyou Life, Love Guardian, Auspicious Life, Xin Satisfaction, etc. are the best-selling products of Pacific Insurance, and the detailed interpretation of the above products I have compiled in this article:"Seven products worth buying in Pacific Insurance in 2020".

Friends who are interested in Pacific products can click on it to take a look.

2.In terms of service level, what is the evaluation of Pacific Insurance?

In order to give everyone a standard, the China Banking and Insurance Regulatory Commission (CBIRC) rates the service according to indicators such as claims service, how many complaints, and business processing speed, with the highest level being AAA and the lowest being D.

The ratings of Pacific Insurance are as follows:

Pacific Life is rated AA, and no company has achieved AAA rating for the time being. However, the rating changes from year to year, and the situation is different from year to year.

3.Is Pacific Insurance reliable?

Friends who are worried about the unreliability of the insurance company are still concerned about the claims after buying the insurance. This is simple, and the higher the ranking company in the same industry, the more reliable it must be. I stayed up late analyzing various companies and put together a following:

What are the top 10 insurance companies.

You can take a look at the ranking of Pacific Insurance.

That's all for me"What about life and critical illness insurance in Pacific? Who is better than the one who is peaceful? "All, look!

It doesn't matter whether insurance is good or bad, it mainly depends on whether it suits your needs. In China, all insurance companies have a regulatory authority, the Insurance Regulatory Commission. The interest rate of each insurance policy of the insurance company is within the range specified by the CIRC.

Therefore, when buying insurance, in addition to your own needs, it is mainly necessary to choose a company with good service attitude and standardized management.

As for the payment of premiums, it should be determined according to one's own economic situation, and when reading the insurance contract, you must understand the insurance responsibilities and exclusions.

There is also the disease you mentioned, since it is called a major disease, it is definitely not an ordinary disease. Of the 30 diseases you have above, some are commonly known as terminal diseases, some are those that need to be cared for by others for a lifetime, and the rest are the kind of things that are not 180,000 even if they can be cured.

In short, risks are everywhere, and if you don't have health insurance, you won't be covered enough.

It is recommended that Ping An's investment-linked insurance should be considered.

You can do ** investment, you can do insurance protection.

Pacific Insurance and Ping An Life are both well-known names in the industry. But as for who is better, there is no one accepted criterion for judging. Therefore, from the four perspectives of equity structure, business stability, fist products, and market cognition, I ranked China's insurance companies.

See "For details".Freshly baked! China's Top 10 Insurance Companies Ranking! 》

In terms of brand value, Ping An Life has a slight advantage. The data is quoted from the world's top 100 most valuable insurance brands released by Brand Finance, a British brand consulting firm, this year

Through the data, it can be seen that Ping An ranks first in the world with a brand value of 60.6 billion US dollars, and Pacific Insurance ranks seventh, and both companies have entered the top ten in the world, which is still very good.

China Pacific Insurance

It was established in May 1991 with a registered capital of 100 million yuan. It has been selected as one of the Fortune Global 500 for 9 consecutive years and ranked 199th in 2019. As for the in-depth analysis of Pacific Insurance, involving comprehensive solvency, premium income, net profit and other index data, it is not here"In-depth Analysis丨How about Pacific Insurance?

What products are worth buying? What are the pitfalls and routines? 》

Ping An Life

Founded in March 1988, its parent company, Ping An Group, is currently one of the three major comprehensive financial groups in China. Ranked 29th in the Fortune Global 500 in the United States, Ping An's revenue exceeded one trillion yuan in 2019. The in-depth analysis of Ping An Life also involves many aspects, and if you want to know more about it, please see my answer"In-depth Analysis丨How about Ping An Life?

What products are worth buying? What are the pitfalls and routines? 》

When choosing insurance, many friends will prefer big brands such as Ping An and Pacific, and think that the products of small companies lack after-sales protection, which is not the case. Insurance is not a general consumer product in China, and the Insurance Regulatory Commission has very strict restrictions on insurance companiesBuying insurance only needs to focus on the insurance product itself, and it doesn't matter which company it comes from.

Insurance is only about what is right for you, not what is good or bad.

The insurance in the market is complicated, how to choose the right insurance for you? An insurance consultant who has been in the industry for decades can give you the answer to "What are the misunderstandings of buying insurance? How to buy insurance correctly? 》

1. Ping An Insurance Company has a good momentum of development, thanks to its high-quality talent team and professional training system. Some of its insurance products provide annual simple interest growth for customers who return insurance premiums, which reflects the humanistic care of large companies and is worthy of praise. All of the company's products are in the middle of the price.

2. Chinese Life Insurance Company is the champion of the insurance industry, more than calm, insufficient innovation, and it is difficult for the ship to turn around. Compared with other companies, its products are less cost-effective, and the design of many products still follows the principle of "premium interest to buy protection".

3. Compared with the last two companies, there is still a big gap between Pacific Insurance Company, and the biggest potential crisis is that it has not formed its own characteristic products, which insurance company has good product sales, and which one will imitate it, such as its insured amount dividends, universal insurance, term life insurance and other products. However, compared with other companies' products, the cost performance is higher.

4. Supplement: All insurance companies approved by the China Insurance Regulatory Commission are regular insurance companies, protected by the national insurance law, and customers can purchase their insurance products with confidence.

Enter the homepage of the official website of each company to see the first income, the data tells the truth.

Hello, 20% of the mild critical illness paid by Ping An Fu is paid in addition, and the insured amount of the critical illness type is not reduced. Kim Woo Life is a 20% payout from the critical illness sum insured.

The types of critical illnesses insured by various insurance companies are basically the same, and they are all those types prescribed by the state, but the classification methods are different. It's just a numbers game. You can think about it carefully, every time you insure one more critical illness, the coverage will be expanded a little, and the cost of protection will increase a little.

There are 30 types of Ping An insurance and 60 types of Pacific insurance, so why is the cost of critical illness protection in the Pacific not much higher than that of Ping An? An insurance company is a financial institution, not a benevolent organization, and will not do good deeds for customers for no reason. You have to buy 100 catties of rice, 20 catties of Ping An bag, you buy 5 bags, then 10 catties of Pacific 1 bag, you have to buy 10 bags.

Do you think the Pacific sells you more rice?

There is basically no big difference between insurance products, and there is no difference between good and bad, so you should choose the right product for yourself according to your needs and intentions.

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