Friends who want to buy China life insurance products in the near future can take a look at this introduction first: How about China life insurance? What products are there and which one is good? In-depth analysis.
When we asked whether China Life was reliable, we were probably worried that this would happen if we bought insurance.
Let's take a look at the following indicators to see if China Life is reliable:
1, premium income
Premium income is the consideration income that the insurance company collects from the insured for fulfilling the obligations stipulated in the insurance contract. It is the main channel of capital inflow of insurance companies and the main source of funds for insurers to fulfill their insurance responsibilities.
In 20 19, China's life insurance premium income reached 568.3 billion yuan, accounting for 19. 18% of the market share, ranking first among many insurance companies, which is simply great.
2. Solvency
The higher the solvency, the smaller the risk of bankruptcy. Only when the core solvency adequacy ratio is not less than 50% and the comprehensive solvency adequacy ratio is not less than 100% can the solvency meet the standard.
The latest data shows that the core solvency adequacy ratio of China Life Insurance is 255.49%, and the comprehensive solvency adequacy ratio is 264.5 1%, which is much higher than the standard line and meets the requirements.
Of course, just looking at the above two points is not enough to judge whether China Life is reliable. These indicators also need to focus on: what should we look at when we look at insurance companies?
3. Comprehensive risk rating
The comprehensive risk rating is generally divided into four grades: A, B, C and D. The comprehensive risk rating result of China Life is A. ..
4. Use evaluation
The service level is divided into ten levels from high to low: AAA, AA, A, BBB, BB, B, CCC, CC, C, D. The level of China Life is BBB, which belongs to the upper-middle level.
As can be seen from the above data, China Life has strong strength, and all indicators meet the requirements, which is more reliable! In addition, friends who want to buy China Life Insurance in the near future can look at this product list: freshly baked! China Life ranked the top seven in terms of cost performance.