First, the strength of China Post Life has risen to the bottom!
China Post Life Insurance Co., Ltd. is a life insurance company controlled by China Post, headquartered in Beijing. It was approved by China Insurance Regulatory Commission on August 4th, 2009. As of 202 1 65438+2,31day, the registered capital and paid-in capital of China Post Life Insurance totaled RMB 2 15 billion. According to the 20021annual report of China Post Life Insurance, China Post Life Insurance has 22 provincial branches and 4 business departments, covering a wide range of business.
Second, is China Post Life Insurance reliable?
Insurance companies are unreliable, which is probably the most frequently asked question by senior sisters.
In fact, when it comes to this issue, you don't have to be too entangled.
This is because only reliable insurance companies can be listed in Chinese mainland.
Why do you say that? Mainly lies in the strict supervision system of China Banking and Insurance Regulatory Commission.
First of all, the threshold for the establishment of an insurance company is extremely high, with a registered capital of at least 200 million paid-in capital, which cannot be opened casually.
Furthermore, the successful establishment of an insurance company has many requirements for shareholders, profitability and management system.
Generally speaking, it is not a small role to become an insurance company.
After the insurance company was established, it is not over yet, and it is subject to strict supervision in the CBRC: quarterly audit, semi-annual audit and annual audit.
It is difficult for insurance companies to act recklessly under the eyes of the CBRC.
Even if the insurance company is unlikely to close down, we don't have to worry that the insurance company will not pay. China Banking Regulatory Commission will underwrite this insurance company, and my policy will be transferred to other insurance companies for underwriting.
However, some people will ask, is there really no difference between big insurance companies and small insurance companies? If you have this question, take a look at the following popular science:
Is it better for a big company or a small company to buy insurance? 》
3. What is the solvency of China Post Life?
The solvency adequacy ratio can reflect the degree of capital adequacy of insurance companies. If the solvency is sufficient, insurance companies will make greater efforts in compensation.
According to the regulations of the China Banking Regulatory Commission, the core solvency adequacy ratio of insurance companies is ≥ 50%; If the comprehensive solvency adequacy ratio is ≥ 100%, the comprehensive risk rating is above Grade B..
In the first quarter of 2022, the core solvency adequacy ratio of China Post Life Insurance was calculated as113%; The comprehensive solvency adequacy ratio is excellent, reaching 175%, and the risk assessment results in the first two quarters are all A.
Obviously, China Post Life's solvency is excellent.
What are the advantages of China Post Life Insurance?
The main advantage of China Post Life Insurance is annuity insurance, with 202 1 premium income ranking in the top five, and the three types of insurance belong to annuity insurance.
In order to meet customers' demand for wealth security and value preservation and appreciation, China Post Life has several annuity insurance products, many of which have the advantages of flexible planning and stable asset appreciation.
Five, China Post Life's popular product evaluation!
China Post Life's best-selling insurance products include China Post's rich and profitable C pension insurance (dividend-paying), China Post's annual good life insurance A whole life insurance, China Post's annual multi-insurance A annuity insurance, China Post's annual multi-insurance pension insurance and China Post's annual multi-insurance C annuity insurance, and so on.
So are these popular products really worth buying? Which pits are stepped on accurately? Senior sister reveals the secret in detail for everyone. I will never think of it after reading it!
How about China Post Life Insurance? Is the product worth buying? 》
Sixth, be sure to read the tips before buying insurance!
After reading the above analysis, I believe everyone has realized how to look at the strength of an insurance company.
However, when we configure insurance, we can't just look at insurance companies, and the protection content of products also needs to be weighed.
Take critical illness insurance as an example. For the same premium, some products cover light to heavy diseases, and some products only cover light to heavy diseases.
For example, some products have malignant tumors-severe multiple compensation, and some products do not have such settings.
In short, if you only look at insurance companies, it is easy to buy insurance that is not suitable for you and is not cost-effective.
So, how should I buy insurance? If you want to know immediately whether an insurance value is worth buying, you can take a look at the following pit avoidance strategies:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!