Professionals have bought Ping An Insurance of China

One of the children's insurance selections] China Insurance Kanglian--Jin Ruyi Annuity Insurance (dividend).

Features: Suitable for all ages, wide coverage: infants and young children can be insured from retirement age.

Get the money every year: You can receive the first year's insurance annuity within 60 days after the policy is in force.

Short payment period and long return period: There are 3-year, 5-year, and 10-year payment methods to choose from, and the annuity is also long-lasting.

High fixed income, double income after age 60:

3 years of payment: 3% of the annual insurance amount, 6% of the annual insurance amount from the age of 61 onwards

5 years of payment: 5% of the annual insurance amount, 10% of the annual insurance amount from the age of 61 onwards

10 years of contributions: 10% of the annual insurance amount, 20% of the annual insurance amount from the age of 61 onwards

Pension at the age of 75 = Sum insured Contribution period (number of years).

High Death Benefit = Sum Insured Multiple the annual premium at the time of death.

There are dividends every year: annual dividends can be withdrawn in cash or compounded.

You can choose from a variety of additional insurances: you can choose to apply for accidental injury, accidental medical treatment, hospitalization, critical illness, long-term disability, waiver of premiums, and more.

Issue age: 30 days old and 60 years old.

Insurance period: 75 years of age or older.

Payment method: annual payment of insurance premiums (divided into 3 years, 5 years, 10 years).

Example: Mrs. Kang buys Jin Ruyi insurance for her son who is 30 days old, and chooses to pay for 3 years, paying 20,000 yuan per year, for a total of 60,000 yuan. The insurance benefits for your baby are as follows:

1. Insurance annuity: a) After 60 days of insurance, the first annuity will be paid, and then every year until the age of 60, a total of 10,000 yuan.

b) At the age of 61, it will be doubled and received every year, and a total of 10,000 yuan will be received when it is 74 years old.

2. Maturity payment: 75 years old to receive 10,000 yuan at one time.

3. Dividends: Accumulate to the age of 75 and receive 240,000 yuan at a time (calculated based on the example of low-grade dividends).

4. Death insurance: 100,000 yuan.

By the age of 75, the survival income is a total of 10,000 yuan, and the net income is nearly 10,000 yuan.

This century winner is tailor-made for children, and it is also Ping An's main children's product, with an annual deposit of 12,000 yuan, compound interest and interest, and the withdrawal is very flexible, and it is generally not bad. As for the risk, there is no risk at present, and the cost will be basically returned in 3 years. Something like this about insurance and financial management, the longer it goes on, the more valuable it becomes.

Ping An Insurance Company of China is reliable, and it is one of the world's top 500 companies.

1. Analysis of the company's strength. Ping An Insurance (Group) Co., Ltd. of China, referred to as "Ping An Insurance Company of China.""Founded in 1988 and located in Shekou, Shenzhen, it is the first joint-stock insurance company in China, and has developed into an integrated, close and diversified comprehensive financial service group integrating financial and insurance, banking, investment and other financial services. In March 2020, it was selected as the 9th in the top 500 global brands in 2020.

2. Analysis of cultural structure. As a one-stop insurance platform, Ping An Insurance hopes to become the world's leading provider of personal financial life services. Ping An's vision is highlighted in the service is to provide consumers with a variety of insurance services, such as car insurance, home property insurance, accident insurance, and all kinds of insurance**, to provide consumers with comprehensive protection.

The spirit of safety is very prominent, honest and law-abiding, simple and pragmatic, which emphasizes the need to create value and give back to the society. It can be seen that this is an enthusiastic and responsible enterprise. In addition, the brand positioning of Ping An Insurance is to create value with professionalism and make life simpler.

It can be found that Ping An Insurance has been pursuing professional services and professionally building its brand.

3. Product quality analysis. Ping An Insurance's business scope is relatively extensive, involving more types of insurance, car insurance, property insurance, accident insurance and other types of insurance**, for different customers to provide different insurance products, can be described as tailor-made, trying to provide consumers with their own insurance products. Not only that, there are also many hot-selling products of Ping An Insurance, such as Ping An Fu Children's Insurance, Ping An e-Life Insurance Plus, etc., not only that, in order to give back to the majority of consumers, Ping An Insurance will also upgrade its hot-selling products every year and keep pace with the times.

Extended information: First of all, the threshold for the establishment of an insurance company is extremely high, and at least the following three conditions must be met:

1. To continue to be very rich, the law stipulates that there must be at least 200 million, but at present, the capital contribution of insurance companies is at least billions;

2. Shareholders should have strength, clean industry background, and no record of violations of laws and regulations;

3. Managers must understand management, running an insurance company is not so simple, and there must be a systematic company management mechanism.

In addition, the operation of an insurance company is also constantly supervised by the China Banking and Insurance Regulatory Commission.

Young people in modern society are under too much pressure, such as housing loans, car loans, etc., and insurance is also very necessary in addition to social security.

There are three main personal risks faced by young people: accident, illness and survival, which involves accident insurance, health insurance and life insurance, of which health insurance includes critical illness insurance and medical insurance. Not long after leaving the society, the income is unstable, and the critical illness insurance can be referred to:

Top 10 Cheap and Good Price Critical Illness Insurance** Points!

Founded in 1988 in Shekou, Shenzhen, Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "Ping An", "the Company", "Group") is the first joint-stock insurance company in China. The company is listed on the main board of the Hong Kong Stock Exchange and the Shanghai ** Stock Exchange, with **** 2318 and 601318 respectively.

Ping An is a personal financial life service group with the most complete financial licenses, the most extensive business scope and the closest holding relationship in China. Ping An Group's subsidiaries include Ping An Life, Ping An Property & Casualty, Ping An Pension, Ping An Health, Ping An Bank, Ping An**, Ping An Trust, Ping An Dahua**, etc., covering all areas of the financial industry, and has developed into one of the few financial enterprises in China that can provide customers with a full range of financial products and services such as insurance, banking and investment.

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

You must know that insurance companies established in China are subject to the supervision of the China Banking and Insurance Regulatory Commission, and the insurance products launched by insurance companies also need to be recorded, and Ping An Life of China is no exception, so it is safe. Next, I will take this opportunity to introduce to you the insurance company Ping An Life of China.

If you don't know what's going on, you can take a look at this article first: When we look at an insurance company, what do we want to see?

1. The strength of the company.

With a registered capital of RMB 33.8 billion, China Hujian Ping An Life Insurance Co., Ltd. was established in 2002 and is an important member of Ping An Insurance (Group) Co., Ltd. of China. As of the end of 2021, it has 35 branches and 7 ** sales centers across the country, with more than 3,250 business outlets.

In 2021, Ping An Life paid 4.28 million claims with a total amount of RMB41.2 billion, and won a number of awards such as "Outstanding Enterprise in the Guangdong-Hong Kong-Macao Greater Bay Area" and "Outstanding Life Insurance Company of the Year" in the same year.

2. Solvency.

Solvency is a dynamic indicator that measures whether an insurance company has the ability to repay its debts. In order to pass solvency, all three conditions must be met: the core solvency adequacy ratio must be 50% or above; The comprehensive solvency adequacy ratio is 100% or above; The overall risk rating is B or above.

According to the report of Ping An Life Insurance Co., Ltd. in the third quarter of 2022, we can know that its core solvency adequacy ratio is a comprehensive solvency adequacy ratio, and the latest comprehensive risk rating is BB.

It can be seen that the solvency of Ping An Life Insurance Co., Ltd. of China is up to standard.

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 expenses of its insurance costs are 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), 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 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"

Is it reliable to buy Ping An insurance online? After reading it, I didn't feel any waves in my heart.

So, let's first understand Ping An Insurance from two aspects: background strength and solvency.

1.Background strength.

Ping An Insurance (Group) Co., Ltd. of China was born in Shekou, Shenzhen in 1988, with a registered capital of up to 100 million yuan, and has grown into one of the three major comprehensive financial groups in China after years of development.

Ping An is also one of the most complete financial licenses and the widest business scope in China, with a number of subsidiaries such as Ping An Life, Ping An Health and Ping An Property Insurance, and the group's total assets exceed 10 trillion yuan, making it the world's largest insurance group in terms of assets.

2.Solvency.

Solvency data can provide a certain indication of an insurer's ability to repay insurance premiums.

Since Ping An Insurance is an insurance group, the China Banking and Insurance Regulatory Commission will not conduct a comprehensive risk rating for the insurance group, so the senior sister took Ping An Life, a subsidiary of Ping An Insurance, as an example to show its solvency and see how strong it is.

According to the data for the first quarter of 2022, Ping An Life's core solvency adequacy ratio is as follows: In the third quarter and fourth quarter of 2021, the comprehensive risk rating results were both B.

All three data meet the standards of the China Banking and Insurance Regulatory Commission. This also reflects that the solvency of Ping An Insurance is also very reliable!

Which is the best type of insurance in Ping An Insurance?

Ping An Insurance Company is a very reliable insurance company. This company has also been supported and welcomed by many consumers in the market, and the quality of the insurance products under this insurance company is very good, which can better provide a guarantee for our lives. At the same time, the after-sales service of this insurance company is also very good, but if we encounter all kinds of problems and doubts, we can consult the relevant customer service staff, and there will be professional personnel to answer all kinds of doubts for us.

Ping An Insurance claims settlement speed:

Ping An's auto insurance is the fastest claim settlement in the insurance industry, and Ping An auto insurance has quick claims. Ping An Auto Insurance's quick compensation services mainly include: "pay first and then repair the car", "report to the compensation, 3 days to the account" and "close the payment, instant arrival".

For example, "pay first and then repair the car" means that the car owner can get the compensation through quick compensation after reporting the accident and confirming the repair plan with the insurance company, without waiting for the vehicle to be repaired before getting the compensation. The "report to the compensation, 3 days to the account" means that the car owner will be completed within 3 working days from the report to get the compensation, if the promised period is exceeded, Ping An Insurance will pay penalty interest to the car owner according to 3 times the bank current daily interest rate. As for the "payment at the end of the case, it will arrive immediately" means that after Ping An Insurance initiates the payment after the accident is closed, the compensation payment can be received immediately and will not be delayed due to holidays.

For example, if the accident that occurs when the insured car is a unilateral accident, only Biyou causes the loss of the vehicle, and the loss is less than 10,000 yuan, and the car owner can apply for quick compensation on the day of the accident. As long as the amount of a single compensation is less than 50,000 yuan, the compensation can be received immediately after the case is closed. <>