Is it better to buy insurance than to buy life or safety?

There is no such thing as the best, only the most suitable. Regardless of the type of insurance from that company, as long as it meets your insurance requirements, it is the best. Ping An and Life are both good companies.

The two companies are currently the best in China, relatively speaking, there is little difference between medical and health products, but there will be a difference in income between pension products. And the product income of the two companies will be different depending on the age. Medical care can be optional, pension or dividend financial management can be contacted on both sides to make a plan to compare benefits under the same protection conditions.

Ping An Life's Smart Life is an endowment medical insurance.

Take the age of 30 as an example, pay an annual premium of 6,000 and pay 20 years, plan to receive 1,000 a month from the age of 60, and receive 10,000 yuan at the age of 72, and there are still 10,000 left.

During the insurance period, you can enjoy the lowest value of 120,000 yuan and 100,000 yuan of health protection, and 80% of the hospitalization can be reimbursed

Insurance is more complicated, the products are almost the same, hit **find one** according to your personal situation for your plan, the plan is not charged, both sides are looking for, Bibi plan to know.

Buy insurance to see the claims Every insurance company is very insured It depends on the person you are looking for.

As for buying that company, I advise you not to compare! It doesn't make sense, it's OK to have a more suitable type of insurance for you!

It's all good to see what kind of insurance they are suitable for.

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 expenditure of its insurance costs 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, we should consider health insurance. 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 it), 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 well, 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 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"

Hello, I'm a financial Mo Yu teacher, bank credit cards, payment insurance related can be consulted, this question is up to me, it takes a little time to type, reply to you within five minutes, and please wait patiently. 欄

Hello, glad for your question! If we want to know the strength of the two insurance companies, we can understand from the following indicators.

First, look at the operation of premium income According to the profit list of life insurance companies released by the insurance industry in the first half of 2021, the net profit income of Chinese Life in the first half of 2021 was 100 million yuan, an increase over the same period last year, and the insurance business income was 100 million yuan, a growth rate. In the first half of 2021, Ping An's net profit income was 100 million yuan, a year-on-year decline, and the insurance business income was 100 million yuan, decelerating.

The data shows that in 2021, the income of Chinese Life is relatively dominant. But this can only be used as one of the criteria for us to measure, after all, each company has a different development strategy at different times. [Handshake].

Let's take a look! Second, look at solvency! According to the relevant documents, as long as the core solvency adequacy ratio of the insurance company is not less than 50% and the comprehensive solvency adequacy ratio is not less than 100%, the solvency of the insurance company is considered to be up to the standard.

In the 2021 solvency ranking of working life insurance companies, Ping An's core solvency adequacy ratio is as follows: comprehensive solvency adequacy ratio is ; The core solvency adequacy ratio of Chinese Life is the comprehensive solvency adequacy ratio.

It can be seen that the solvency of Ping An and Chinese Life have far exceeded the passing threshold set by the CBIRC and performed well.

Finally, let's understand the comprehensive risk rating In the first half of 2021, the comprehensive risk rating of Chinese Life was A, and the comprehensive risk rating of Ping An was B. To sum up, Ping An of China and Chinese Life are both strong. However, it is not enough to buy insurance just to see the strength of the company, it mainly depends on the specific protection content of the product, whether it is consistent with your actual needs, so that you can buy the most suitable insurance product for you.

In fact, for individuals, insurance companies only have the best [smile].

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Handshake] [handshake] [kiss].

Summary. Buying insurance is good for life. Ping An and Life Insurance have their own characteristics, so you can choose according to your preferences.

1. Chinese Life is a state-owned enterprise, the head office and its many subsidiaries constitute the largest commercial insurance group in China, and is also one of the largest institutional investors in the domestic capital market, the world's top 500 enterprises, known as the "mainstay" of China's insurance industry. As a state-owned enterprise brand, after-sales and other guarantees are guaranteed, and a variety of products launched by it have become the focus of public attention, such as critical illness insurance such as China Life Welfare series, million medical insurance such as e-Kangyue series, annuity wealth management Xinyu Enjoy, Xinyu Privilege and other products.

Buying insurance is good for life. Ping An and Life Insurance have their own characteristics, so you can choose according to your preferences. 1. Chinese Life is a state-owned enterprise, the head office and its many subsidiaries constitute the largest Shili commercial insurance group in China, and is also one of the largest institutional investors in the domestic capital market, the world's top 500 enterprises, known as the "mainstay" of China's insurance industry.

As a state-owned enterprise brand, after-sales and other guarantees are guaranteed, and a variety of products launched by it have become the focus of public attention, such as the national life insurance series, the million medical insurance such as the e-Kangyue series, and the annuity wealth management products such as Xinyu Zhenxiang and Xinyu Privilege.

2. Ping An of China is a comprehensive financial services group, headquartered in Shenzhen, is currently the second largest life insurance company in the country, in the financial industry, Ping An has a relatively complete license. In addition, its flagship products, such as critical illness insurance such as Ping An Fubicha series, million medical insurance have Ping An e-life insurance series, annuity wealth management has Yuxiang Jinrui, Yuxiang Wealth, etc.