My mother wanted to buy Xinhua s insurance, but I didn t know if the test was unreliable

Exaggerated. In 20 years, 5w has become 20w, an increase of 15w, which is equivalent to an annual income of 7500 yuan, 7500 50000 = 15% of the income. It is 3 times the bank's 5-year fixed income.

You should be a risky investment! It's also a serious illness, it's too good to blow!

Is it a misunderstanding or an explanation error? Diseases are divided into ordinary diseases and serious diseases, generally if you want long-term medical treatment, you have to pay for a long time, serious illnesses have a period and life, you have to ask clearly, you can look at the type of insurance, and then come to consult.

You can pay less and pay for a longer time, and I feel that you may be talking about financial products, so ask in detail.

You need to find out whether it is for medical treatment or a major illness, and it is best to know what it is called, or it will be difficult to explain it to you! If you are in a bank, you generally pay attention to income, which is completely different from the insurance of ** people.

Well, if you want a major illness, you can look at Chinese Life's SUS Insurance.

Other companies have this business, what's your insurance name?

This insurance should be an income-oriented exclusive life, and if you don't receive it halfway, 50,000 yuan should be about the same after 20 years.

My mother bought: a combination of noble life + auspicious wishes + accident insurance = 16,800 yuan**. I don't know if any salesman has sold to you, and I was also worried that the insurance was **. Eh, but no one is sure of the real situation? There's there over there.

It's too exaggerated, there is no legal basis at all!

Xinhua Insurance is reliable.

New China Insurance is a regular company. Xinhua Insurance Company was established after the approval of the China Insurance Regulatory Commission, established in September 1996, is a national professional and prudent listed life insurance company, the main types of insurance include critical illness insurance, annuity insurance, medical insurance, both insurance, life insurance, etc., consumers can go to the service outlets of Xinhua Insurance Company to purchase insurance products, or they can be cautious to apply for insurance through the official website of Xinhua Insurance, Xinhua Insurance *** and other online channels.

The current state of the insurance industry:

1. Imbalance in income structure.

From the perspective of premium income structure, in 2021, China's life insurance premium income will be 3,322.9 billion yuan, accounting for 74%, and property insurance premium income will be 1,167.1 billion yuan, accounting for 26%.

2. There is still room for improvement in insurance density and insurance depth.

Since 2010, China's insurance density has grown rapidly, and the gap between China's insurance density and the global average insurance density has been narrowing. In 2021, China's insurance density was US$520, compared to the global average of US$661.

New China Insurance, the full name of New China Life Insurance Co., Ltd., was established in September 1996 and is headquartered in Beijing. As of last year, Xinhua Insurance had more than 1,770 branches with total assets of more than one trillion yuan.

According to the official website of Xinhua Insurance, its solvency is as follows:

The core solvency adequacy ratio and comprehensive solvency adequacy ratio reached 145% and 243%, respectively, and the overall risk rating was A. It can be seen that whether it is the comprehensive solvency adequacy ratio or the core solvency adequacy ratio, the strength of Xinhua Insurance exceeds the standard of the China Banking and Insurance Regulatory Commission, and its solvency is still very strong on the whole. In general, the overall strength of Xinhua Insurance is relatively strong, and the company is still very reliable.

Tips for choosing insurance.

1. Buy early, don't buy late.

If you put off buying life insurance because you don't want to pay your premiums, your plan may not end up working out as you think, and insurance experts suggest that the younger the policyholder, the lower the premiums you will pay. In addition, as people get older, the probability of developing diseases increases, and the premiums will increase relatively high. In addition, before purchasing health insurance, the insurance company will require some older policyholders to undergo a medical examination (generally over 50 years old), and the healthier the policyholder, the cheaper the premium.

2. Choose the right insurance company and try to "start from the beginning" when you buy insurance

Insurance companies will give certain premium discounts to their regular customers. Therefore, as far as the policyholder is concerned, if the type of insurance he needs is not very different, he or she chooses an insurance company to insure, so that on the one hand, the policyholder will reduce the "transfer cost", that is, the policyholder will re-spend the energy and time on positioning the insurance company, and on the other hand, he can also obtain the premium discount provided by the insurance company.

3. Choose the most economical premium payment method.

Many insurance products allow the policyholder to pay the premium in a single payment or in installments. Which way is more affordable for the policyholder depends on the specific situation of the policyholder. For example, if the policyholder insures an insurance product and its expected return on investment is 3% to 5%, while the rate of return on bank deposits is only 2%, the policyholder should choose to pay in a single payment, which is equivalent to sharing the results of the insurance company's expert financial management for free.

You can also simply compare the payment methods and choose the one that is most beneficial to you. For example, for the same policy, you can pay $10,000 in a single payment or $2,200 per year in five-year instalments. The latter is equivalent to paying an extra 1,000 yuan after five years, which is equivalent to an average annual rate of return of about 5% of the omission.

It is reliable to buy insurance at Xinhua Baozhan Wild Insurance Company.

Founded in September 1996 and headquartered in Beijing, New China Insurance Co., Ltd. is a large-scale life insurance company.

The company's main shareholders are ** Huijin Investment Co., Ltd., Baosteel Group ****, and Swiss Re Group. Xinhua Insurance holds the shares of Xinhua Asset Management****.

In response to the different needs of customers, New China Insurance has established a comprehensive product system, covering traditional protection products and new life insurance products. With its strong strength and service capabilities, New China Insurance provides customers with comprehensive and high-quality risk protection and wealth management services, and has become one of the industry's leading life insurance companies with great brand influence.

Insider tips. There are four listed insurance companies in China (China Pacific, China Ping An, Chinese Life, Xinkai Zen Slow China), the products are basically the same, depending on our needs, there is no best, only the most suitable for themselves, just like we inject nuclear model critical illness protection, of course, the more types the better, the bigger the umbrella the better.

The full name of Xinhua Insurance is Xinhua Life Insurance Co., Ltd., which is an insurance company established in June 1996 with a registered capital of 3.1 billion. And its own capital is also very strong, not only that, as a veteran large company, Xinhua Insurance also has a strong solvency, its comprehensive solvency, core solvency, and comprehensive risk rating A. Xinhua Insurance is also one of the "old five", and the whole group has a relatively comprehensive layout, including life insurance, property insurance, pension insurance, health insurance, asset management, health management, e-commerce, pension management and so on.

Advantages of New China Insurance:

1. There are many terminal outlets.

There are many branches, and we have established an institutional network and diversified sales channels covering almost all provinces, municipalities and autonomous regions across the country, so that everyone can buy as long as they want to.

2. Good customer service.

In order to provide you with more accurate and effective information, Deep Blue Jun has contacted customer service many times, including ** customer service, online shopping mall customer service and *** customer service, they are very polite, very professional, very patient, and the experience is very good.

3. Great brand influence.

As one of the "Old Five", it has been widely known to everyone. With a large number of advertisements and the publicity of many ** people, the brand influence of Xinhua Insurance is still good, and it will not make users feel strange. <>

Summary. Hello, this question is up to me, reliable. Although Xinhua Insurance is not as well-known as Ping An and China Life, it can be regarded as a long-established insurance group in China.

The full name of Xinhua Insurance is Xinhua Life Insurance Co., Ltd., which is an insurance company established in June 1996 with a registered capital of 3.1 billion. Not only that, as a veteran large company, Xinhua Insurance also has a strong solvency, with a comprehensive solvency, a core solvency and a comprehensive risk rating of A. Generally speaking, a company's core solvency adequacy ratio is 50%, the comprehensive solvency adequacy ratio is 100%, and the comprehensive risk rating reaches B and above to be considered solvency standard.

It can be seen that Xinhua Insurance meets the CIRC's solvency standards for insurance companies.

Xinhua Insurance is not reliable.

Hello, this question is up to me, reliable. Although Xinhua Insurance is not as well-known as Ping An and China Life, it can be regarded as a long-established insurance group in China. The full name of Xinhua Insurance is Xinhua Life Insurance Co., Ltd., which is an insurance company established in June 1996 with a registered capital of 3.1 billion.

Not only that, as a veteran large company, Xinhua Insurance also has a strong solvency, with a comprehensive solvency, a core solvency and a comprehensive risk rating of A. Generally speaking, a company's core solvency adequacy ratio is 50%, the comprehensive solvency adequacy ratio is 100%, and the comprehensive risk rating reaches B and above to be considered solvency standard. It can be seen that Xinhua Insurance meets the CIRC's solvency standards for insurance companies.

In March 2020, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission announced last year's insurance consumer complaints, and this list shows that the fewer insurance companies that have been complained about, the better the service quality, and Xinhua ranks 36 The complaint rate is relatively high, and the service quality needs to be improved. Popular products: New China Life Insurance's Multi-Guarantee Celebration Edition provides comprehensive protection for mild, moderate and critical illnesses, and also comes with an agreement that 15 types of special diseases diagnosed due to accidental injuries before the age of 60 can be paid 100% more of the sum insured.

High-incidence cancers can be compensated multiple times with a low threshold, including new-onset**, metastatic and status onstandus. In addition, with the guaranteed renewal of 10 years of small and million medical insurance, the overall protection is perfect, and Town Health Huazun guarantees the renewal of the policy for 10 years.