How about Luen Thai MetLife Insurance, Sino US Luen Thai MetLife Insurance Company

Xueba talks about insurance, focusing on insurance product evaluation! In 2004, Sino-US Luen Thai Metropolis officially opened in China, the main development cities in the first and second tiers, as the largest life insurance company in the United States, what is the status in China?"Inventory of the top 10 insurance companies in China".

In the 2018 Fortune 500 World Brands, MetLife Insurance Company ranked 300th, which shows that it is still very strong. But just looking at this ranking is not enough, I will analyze Metropolitan Insurance Company from solvency, word-of-mouth reputation, and product situation.

(1) Solvency

As of November 2018, more than 20,000 policies have been claimed. This list gives you the answer::"2020 Solvency Ranking List of the Most Complete Insurance Companies".

(2) Word-of-mouth reputation

In order to have a higher claim settlement speed, MetLife Insurance quickly launched a platform, where consumers can solve insurance renewals, claims and consulting services, saving time for consumers and receiving recognition from consumers and even the industry.

(3) Product conditions

MetLife has Genuine Care Hospitalization Allowance Medical Insurance, Accident & Critical Illness Protection Plan, Healthy Lifetime Illness Insurance Plan, Self-driving Accident Insurance and other products.

The Healthy Life Whole Life Illness Insurance Plan was selected as the object of analysis

Pros:

Healthy Whole Life Illness Insurance Plan offers optional additional coverage up to age 65, age 75, age 85 and whole life, providing flexibility in terms of coverage types and coverage periods. The product has independent responsibilities, regardless of whether there is compensation for critical illness or not, other responsibilities are valid.

Deficiencies:

(1) Unreasonable classification of critical illnesses

Liver and kidney-related diseases and liver and kidney-related diseases are divided into the same group, malignant tumors are in this group, if the compensation is paid, the diseases in the same group can no longer be claimed, and there are too few groups, and the probability of multiple claims is very low.

(2) Repeated claims for mild illness are disappointing

To be honest, most of the critical illness insurance on the market will not be grouped for mild diseases, and the interval is also set for healthy and casual mild illnesses, and generally speaking, the interval is set on the second claim for cancer, which is very inconsiderate.

(3) **More expensive

Equipped with critical illness, mild illness, exemption and main insurance, 30-year-old women, paid for 30 years, the sum insured is 500,000, and the annual premium that needs to be paid by Health is more than 11,000, which can be seen in comparison, and the annual premium of Health Life 2019 is about 5,000 less than that of Health Life, and the protection of Health Life 2019 is a little more comprehensive, please click here to see the comparison between Metropolitan Critical Illness Insurance and popular critical illness insurance:"Comparison Table of 136 Popular Critical Illness Insurance in China".

By comparison, we can see that Healthy Life Whole Life Illness Insurance plans** are higher.

Summary: Metropolis is a powerful company with good solvency and reputation, but the product is relatively expensive, so it is not cost-effective, and if you want to choose Metropolis's insurance, the premium may be relatively high.

Thanks for reading, hope!

Introduction: Luen Thai MetLife Insurance Co., Ltd. was formally established in Shanghai on August 10, 2005, and was formed by Shanghai Luen Thai Investment Co., Ltd. and a subsidiary company of MetLife Group of the United States holding 50% of the shares. In 2011, Luen Thai MetLife Insurance Co., Ltd. took the lead and absorbed all the assets, liabilities and business of Sino-US MetLife Insurance, and changed its name to "Sino-American MetLife Insurance".

Legal representative: Dai Lanfang.

Registered capital: 272,000 RMB.

Industrial and commercial registration number: 310000400435364 enterprise type: limited liability company (Sino-foreign joint venture).

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

Sino-US Metropolis is a formal insurance company. Whether the insurance company is good or not depends on whether the strength of the insurance company is strong, the service is not thoughtful, and the claim settlement is not fast. The details are as follows:

1. Sino-US MetLife Insurance **** was merged from the merger of two life insurance companies, Sino-US Metmet and Luen Thai Metropolitan, and the merger plan was approved by the China Insurance Regulatory Commission in March 2011, and was approved by the administrative department for industry and commerce on April 12 and officially renamed. The new company is legally registered in Shanghai and adopts the operation model of dual headquarters in Beijing and Shanghai. On April 19, Sino-US MetLife Insurance **** was officially established in Xinhai, Shanggaizhou.

2. With MetLife's rich experience in the insurance industry and Shanghai Lianhe Investment****'s deep understanding of the Chinese market, MetLife is committed to providing Chinese consumers with trustworthy and professional insurance solutions. MetLife provides life, health, accident and endowment insurance products to consumers in more than 20 cities across the country through multiple channels such as consultancy marketing, bancassurance, direct marketing and group insurance.

3. MetLife's original Luen Thai MetLife Insurance was formally established in Shanghai on August 10, 2005, with a registered capital of 500 million yuan (increased to 700 million yuan in 08 years), which was formed by Shanghai Lianhe Investment **** and a subsidiary of MetLife Group in the United States.

4. Shanghai Lianhe Investment and MetLife are also shareholders of Luen Thai MetLife, headquartered in Shanghai, so that the two companies of MetLife and MetLife are officially merged. The name of the new company after the merger is:"Sino-US MetLife Insurance****", abbreviation"MetLife"。

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

In fact, buying insurance does not necessarily mean that you decide whether to buy it according to the company's reputation, and the most important insurance product structure is reasonable!

The purpose of purchasing insurance is to reduce the impact on the financial situation of the insured, provide financial compensation to the beneficiary, and reduce the burden. To explain it in terms of economic principles, the insured pays premiums in exchange for greater certainty about their future financial situation.

Types of business insurance.

1. Accident insurance.

Statistics show that young people have the highest incidence of accidents. One of the great features of accident insurance is the low premium. Therefore, this insurance is the most economical for young people who are just starting out in the workforce. As for the amount of accident insurance, it is generally 5-10 times the annual income.

2. Critical illness insurance.

If a family member suffers from a serious illness, not only will it cost a lot of medical expenses, but also there will be a loss of income if it is unable to work, and critical illness insurance can effectively handle the expenses by paying hundreds of thousands at a time.

3. Match accident medical insurance and hospitalization allowance insurance.

Although you have participated in social medical insurance, it is best to obtain insurance for accidental outpatient and emergency medical expenses due to the short working hours, small personal medical account reserves, and a high proportion of outpatient self-burden. In addition, some hospitalization allowance insurance can be attached to make up for the lack of medical insurance and lost time allowance.

4. Life insurance. While young people die in accidents, they still worry that if they die from illness, their parents won't be compensated if they only have accident insurance. So, just in case, they can buy a certain amount of life insurance. ⌄

MetLife is a well-known insurance brand, and you can often see advertisements for MetLife's insurance products in your daily life, and insurance products permeate all aspects. So how about learning about MetLife Insurance today? Is it worth buying.

1. How about MetLife.

How does an insurance company look at it from various aspects such as financial strength, operating conditions, product protection and claims services? MetLife Insurance is undoubtedly very strong in terms of financial strength and operating conditions, and there is no doubt that MetLife Insurance belongs to the world's top 500 companies, which shows that its financial strength and operating conditions are considerable.

The product protection is different, there are many insurance products of MetLife Insurance, from the perspective of protection responsibility, there are good and often complained about in the market, but most of the basic protection content of insurance products are available, but there are some small shortcomings.

In order to facilitate the elderly to understand insurance during the epidemic, MetLife has always put the optimization of the elderly experience in an important position, and the needs of the elderly are one of the most important considerations. It can not only provide a friendly and easy-to-use browsing experience for the elderly, but also remove the complex decoration design that is difficult for the elderly to access, make it more convenient for the elderly to obtain information efficiently, quickly receive timely and clear operation feedback, and improve the simplicity of operation. In terms of product design, the insurance age of many products of MetLife has been raised a lot.

2. Is MetLife Insurance worth buying?

Whether a product is worth buying or not should be viewed from both the product itself and the consumer. An insurance product worth buying, the protection content of the product itself should be powerful, with bright spots, so that the protection content and the premium ** match. From the perspective of consumers, the product should meet the long-term needs of consumers, and consumers can also bear the premiums for a long time, and the premiums will not bring financial burden to themselves or their families.

There is basically no big problem with MetLife insurance products in terms of protection content, but the suitable people are different, and if you look at the cost performance of the product alone, MetLife insurance is trustworthy and the product is worth buying.

I think it's okay, after all, no one knows what will happen in the future, life is full of accidents, and there are many unknowns and uncertainties, so I think it is still necessary to buy insurance to provide security protection. And I think MetLife is quite good, it is a big company, and not only in MetLife, you can buy insurance for yourself, but also for your family.

And I think there is another advantage of finding a professional insurance company, that is, you can professionally purchase insurance and follow-up claims with the help of life insurance planners, and you don't have to worry about service. For example, with the help of a life insurance planner, I quickly completed the claim report, the preparation of the claim information and the submission of the claim application. And I think the review speed of MetLife is also very fast.

It is really necessary to buy insurance, and when you really need to use it, you will know how valuable the insurance is

Sino-US MetLife Insurance is reliable, it was approved by the China Banking and Insurance Regulatory Commission, established in August 2005, jointly funded by the American Mets Group and Shanghai United Investment, with a registered capital of 100 million yuan. The Sino-US Luen Thai Metropolis operates in nearly 30 cities across the country, and the scale is very large.

When we look at insurance companies, what exactly do we look at?

According to the solvency report released by Sino-US Luen Thai Metropolis in the first quarter of 2022, its core solvency adequacy ratio and comprehensive solvency adequacy ratio were ., respectively03%, the latest comprehensive risk rating reached Class A.

The requirements of the CBIRC for these three types of indicators are that the core solvency adequacy ratio is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the comprehensive risk rating is B. It can be seen that the solvency of the Sino-US Luen Thai Metropolis is up to standard.

Is Sino-US Metsea Insurance Company reliable? Is the product worth buying? One article revealed!

In other words, you don't have to worry about the inability to repay the customer's insurance policy. What's more, there is also the existence of the China Banking and Insurance Regulatory Commission, even if the insurance company faces bankruptcy, everyone's policy will not be affected too much.

As for why, you can click below to find out:

The insurance company is bankrupt, what should I do with the insurance I bought?

Sino-US MetLife Insurance **** is reliable, referred to as Wang Fu Rui MetLife, is a Sino-US joint venture insurance company. With the approval of the China Insurance Regulatory Commission, MetLife was established in Shanghai, China in August 2005, which means that MetLife is backed by the Insurance Regulatory Commission and is very reliable.

Of course, if you want to know whether MetLife is reliable, you can also analyze it from the following aspects: Is Sino-US MetLife Company reliable? Is the product worth buying? A dilemma is revealed!

Whether the insurance company is good or not can be considered from its own protection needs, the solvency of the insurance company, service attitude and other factors. Sino-US MetLife Insurance is a Sino-foreign joint venture, drawing on the successful experience of previous financial and insurance services, steady development, and forge ahead.

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