First, what about life insurance? First of all, I believe everyone should have heard of the "three meetings", that is, the central bank, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission. At the beginning of 20 18, China Banking Regulatory Commission and China Banking Regulatory Commission merged to become the current China Banking Regulatory Commission.
China Banking Regulatory Commission (CBRC) manages major insurance companies, which is very strict, while CBRC is much stricter. People rely on the State Council's father. Under such strict management and huge authority, it is difficult for insurance companies to get into trouble.
Not to mention that every insurance company has to pay a large sum of security money before it is established, so no matter the size of the insurance company, as long as the CBRC is there, consumers can't stand a dime.
But there are still many people who encounter claims problems after buying life insurance. What's going on here? : "What about China Life? What products are worth insuring? 》。
Second, is China Life worth buying? China life insurance mainly includes accident insurance, health insurance, life insurance, annuity insurance and other products. Dad found some hot-selling products of China Life Insurance, which are arranged as follows:
What products are good here? Which products have big pits?
To tell the truth, you need to think twice before buying these products!
China Life has many types of insurance, but after careful investigation, it is found that there are actually many pits.
Take the insurance portfolio plan of China Life Million Ruyi Bank as an example.
Let's take a look at its guarantee content first:
China Life's Million Ruyixing Insurance Portfolio Plan, this accident insurance, accident insurance coverage is only 6,543,800 yuan.
The insurance premium for death or high disability seems to be very high. In fact, dad calculated that if you pay for 20 years, in case of an accident due to illness, the actual compensation amount is less than 6.5438+10,000 yuan.
This accident insurance seems to have a high insurance coverage and comprehensive protection. In fact, most of the insurance coverage is allocated to traffic accidents with low probability, especially aviation accidents.
This kind of accident insurance costs 1680 yuan per year, which is very expensive.
Of course, China Life Insurance is not only accident insurance, but also other types of insurance, such as critical illness insurance, medical insurance, life insurance and annuity insurance. But no matter what kind of insurance you buy, you must be clear about your needs before buying and carefully choose the right product, which is a good product.