How credible is Chinese life insurance

The credibility of Chinese life insurance is so-so, but the personnel system is very bad to now there is the most unfair treatment, the most tired people who work, only take a salary of three hundred yuan, those who do not work get four or five thousand yuan salary and it is thirteen months, the bonus is even less counted, this company does not treat ordinary employees well, force all indicators on them, occupy their holidays for no reason, and free of charge, the state has repeatedly required enterprises to pay pension and other insurance premiums for employees, However, as an insurance company, Chinese Life not only does not pay, but also harms the interests of employees together with the labor bureau (of course, the company prefers to fine or bribe the labor supervision department), to an outrageous level. This company is discordant, inhumane, may be a local phenomenon in Henan, but employees are also people, leaders must have a conscience, so far such as the status quo of the ice personnel system, so that the employees who have been in the company for many years are very cold, as a life insurance company should know that the end of people's life is birth, old age, sickness and death, who can plan a good home for these people, only a few diseases can be treated and supported, so that they can cope with the reality of life in front of them.

Insurance companies don't lie.

It is important to pay attention to whether the understanding of the claim item is clear.

The salesman should be careful about the introduction of the type of insurance, and may focus on the terms that are beneficial to you, and deliberately ignore the introduction of the restrictions on the claim.

Choose the type of insurance according to your own requirements, don't just listen to the salesman's introduction, because the type of insurance that the business first introduces to you may be the most profitable type of insurance for him, not the type of insurance you need the most.

Chinese Life is reliable, as a leading enterprise in the insurance industry, how strong is Chinese Life?

Friends who want to buy Chinese life products in the near future can first take a look at this introduction: how is Chinese life, what products are there, which is good, in-depth analysis.

When we ask whether Chinese life is reliable, it is likely that we are worried that we will not pay for insurance after buying insurance.

Let's take a look at whether Chinese's life is reliable from the following indicators:

1. Premium income

Premium income is the consideration income collected by the insurance company from the policyholder in order to fulfill the obligations stipulated in the insurance contract, and it is the most important income of the insurance companyChannels for capital inflowsAt the same time, it is also the most important fund for the insurer to fulfill its insurance obligations**.

In 2019, the premium income of Chinese Life was as high as568.3 billion yuan, the market share occupied, ranked first among many insurance companies, is simply fantastic.

2. Solvency

The higher the solvency, the lower the risk of a company's failure。Core solvency ratioNot less than 50%., comprehensive solvency adequacy ratioNot less than 100%.to be considered solvency standard.

According to the latest data, the core solvency adequacy ratio of Chinese Life isThe comprehensive solvency adequacy ratio was 264.51 percent, which was much higher than the standard line and met the requirements.

Of course, just looking at the above two points is not enough to judge whether Chinese life is reliable, these indicators must also be focused on: when we look at insurance companies, what do we want to look at?

3. Comprehensive risk rating

The comprehensive risk rating is generally divided into four levels: A, B, C, and D. Chinese lifeThe overall risk rating is A

4. Service rating

The service rating is divided into ten grades from high to low: AAA, AA, A, BBB, BB, B, CCC, CC, C, and DThe grade of Chinese life is BBB, all of which belong to the upper middle level.

From the above data, it can be seen that the strength of Chinese Life is strong, and all indicators meet the requirements, which is properly reliable! In addition, those who want to buy Chinese life insurance in the near future can take a look at this product list: freshly baked! The top seven [Chinese Life] insurance products in terms of cost performance.

China's insurance industry takes advantage of the protection of the contract law, and marketing is like a pyramid scheme, and a large number of employees are increased to ask salesmen to pull friends and relatives to sell insurance. It's the same nature as MLM! However, one is legal, the other is not legal, and the model of walking and MLM is a model!

Regardless of whether he is legal or illegal, as long as you remember that in addition to accident insurance, other types of insurance are fooling, you will not be deceived, especially participating insurance, be careful of fraud.

This insurance contains more deception and deception, leaving people with more sadness and unreliability, so when buying critical illness insurance, it is best to consult a doctor to see how far your expectations are from the insurance company's promise. Rather than talking about critical illness insurance, it is "one hundred and eighty glasses of wine for the palace banquet." "It's better to say" is actually the second pot head mixed with which boiled water.

Zhao Benshan > fooling people.

As long as you want to calculate the money you get on the insurance, you will end up being calculated by the insurance! Why do insurance companies hire a large number of actuaries? It is to calculate the customer's money, and they calculate the money made in addition to the insurance company

Insurance companies are not charities, they are also there to make money, not to give you sponsorship money", and the little money left (the so-called cash value) is your money! Remember, buying insurance is when you spend money for unpredictable risks in the future, it is consumption, there is no money to say, remember! Remember!

The insurance company holds a meeting every day (the so-called morning meeting) is to talk about some ways to fool people, that is, to talk about how much this dividend is more than for decades, and how much is that dividend for decades. In fact, it is very simple to understand insurance, that is, when the insurance is out of danger, look at your "protection", and if you don't take risks, look at the "cash value" of your policy, no matter how many years it is, because life insurance is a whole life insurance, and if you don't get money until you die of old age, it will be regarded as surrender (the cash value given to you), so if you understand these two numbers, you will not be fooled by selling insurance.

Insurance, only talk about the cash value, not the principal and dividends, and the cash value insurance contract has a cash value table on it, how many years is how much money, you will understand when you read it. That money is far less than the principal, whether it is withdrawing money, surrendering, and the so-called conversion pension, it is all based on the cash value table. The insurance salesman didn't explain the cash value of the policy to you, and the customer didn't buy it after reading it, so they fooled you into taking the money after paying the premium.

Insurance is a loss for several years, but in fact, even if you get the principal for a few years, you will lose a lot of money due to the currency depreciation of your principal. Remember later! The so-called "insurance" is used to resist risks, not to manage money, let alone use insurance to make money.

If you want to manage your money to make money or if you want to resist currency depreciation, you can do ** and treasury bonds (not a very good choice). Therefore, participating insurance is to defraud customers of their money in the name of insurance.

There is no unreliable company, only unreliable salesmen, and it is very important to choose a reliable salesman to ask whether the insurance portfolio of China Life Xinxibao can be bought.

2.Follow-up services.

Question: Is it reliable to buy it at ICBC.

Pay the fee continuously for 5 years.

Annuity insurance cannot be surrendered in the middle of the policy, and the surrender will be considered large according to the cash value, so it should be chosen according to your personal needs.

If you surrender the policy in the middle of the policy, the principal will not be recovered.

The question is very confusing, is this insurance product reliable?

The question has been paid for one year, it is time to pay for the second year, I don't know how this insurance product is, I want to ask a professional for guidance, whether to continue or stop, thank you.

Since you have handed it over, continue to hand it over, and the trickle will be long.

Ask a good question, thank you.

Answer hello, according to the information you provided, Chinese life insurance is reliable, your side can rest assured, Chinese life insurance is very good correctly, and Chinese life insurance is also guaranteed, their company exists everywhere in China, so your side can be trusted, hope to help you.

Hello, this must be trustworthy! In this case, Chinese life insurance is very trustworthy, and it has been trusted since a long time ago, and many people choose Chinese life insurance.

Question: I am considering buying national social security endowment insurance, and Chinese life endowment insurance, answer hello, these two are very good, are guaranteed, in fact, these two are the same in the end, you can choose one of these two.

Question: How much does the country get according to the economic conditions at the time? Life is not a year to pay 10,000 for 10 years, 50 years old to receive 1,000, you can multiply the principal by two when you don't want to receive it, that is, 200,000 can be refunded, I think life is better, you have more, you think it's better, give a suggestion thank you.

Hello, according to the situation you provide, in this case, if it is said by your side, this must be more cost-effective according to life insurance, in this case, life insurance is better in all aspects, so it will be better for you to choose someone to grant, and you will get more money in the end.

Summary. However, there are some insurances that cannot be surrendered, such as consumer insurance, or accident insurance.

Is Chinese life insurance reliable?

Hello dear, reliable!

Chinese Life Insurance Company is reliable. Chinese Life Insurance Company is a state-owned super-large financial and insurance enterprise in China, which is a leading financial enterprise, not only one of the top 500 Chinese brands, but also one of the top 500 enterprises in the world. Chinese Life mainly operates life insurance, critical illness insurance, accident insurance and other life insurance businesses, and has a long history in the insurance industry.

A lot of people say it's unreliable, it's **.

Which aspect are you talking about, dear? Chinese Life Insurance products are reliable.

It's just that some people bought insurance, but the salesman did not explain the terms of the insurance, which caused some people to feel cheated

If the payment period expires, it is said that it can be refunded at the time, but it cannot be refunded.

If you can't surrender the policy, you can complain to the relevant departments, and surrender is the right of the policyholder!

However, there are some insurances that cannot be surrendered, such as consumer insurance, or accident insurance.

Whether insurance is reliable or not depends on what type of insurance you buy, and I think some insurance is still good.

Insurance is reliable, just be careful of being fooled by it.

It is recommended to consult the insurance ** person around you, there is nothing bad about insurance, only inappropriate. You have to design one that suits you according to your actual situation, which is the best.

It is the only insurance company in the world that is listed in three places, and it is a vice-ministerial-level central enterprise, and its strength is there.

China's largest insurance company, a state-owned enterprise, has total assets of more than 2 trillion yuan, ranking 112th in the world's top 500.

The largest insurance company is not good at service and slow to settle claims.

Are you insured? Is it the right way?

Hello, reliable, insurance companies are managed by the CBIRC. Insurance companies are the same, but everyone should also be wary of practitioners who use news such as stool management and bankruptcy to hype up and exaggerate anxiety. After all, the more important thing about insurance products is the design of terms.

Carefully read the signed contract at the time of purchase.

1. Chinese Life Insurance.