Senior sister will give you a detailed evaluation of the strength of this company today. Curious friends must not leave!
First, reveal the background of joint life!
He Zhong Life Insurance Co., Ltd., referred to as "He Zhong Life", was established in 2005 with a total registered capital of 4.28 billion yuan.
Up to now, it has developed into a national insurance company with nearly 654.38+million internal and external employees, 27 provincial branches and more than 600 branches, with total assets exceeding10 billion yuan.
Union Life has invested in many companies, including Union Property Insurance, Union Assets, Union Younger, Shi Sheng Union and so on. It tries its best to provide humanized life insurance products and services for the public, and has created a complete product system, including traditional long-term life insurance, critical illness insurance, dividend insurance and short-term insurance.
Union Life has been awarded the title of "Satisfied Unit for Safeguarding Consumers' Rights and Interests" by China Consumer Protection Foundation for many times, and won the honors of "Trustworthy Insurance Company" and "Excellent Customer Service Insurance Company".
Through its assets and honors, I have to admire the strength of He Zhong Life Insurance Company, and its economic strength is first-class!
These are just the data of United Life Insurance Company, so what is its comprehensive strength in the industry? Click on the link below to see the latest ranking of insurance companies compiled by Senior Sister Hematemesis:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is United Life Reliable?
Many people are worried about the reliability of United Life Insurance Company. It turns out that they are worried about whether they can get reasonable compensation if they have insurance in Union Life.
Actually, don't worry too much about this. We should understand that all insurance companies in China are supervised by the CBRC.
If you buy the insurance products of United Life Insurance, as long as it meets the claim conditions agreed in the contract, if United Life Insurance dares not to claim, the CBRC will not allow it.
In addition, China Banking and Insurance Regulatory Commission has established eight insurance supervision mechanisms to conduct quarterly, semi-annual and annual reviews of insurance companies, aiming at preventing insurance companies from harming consumers' legitimate rights and interests. In addition, China Banking and Insurance Regulatory Commission, China often lets the public know the complaint data of various insurance companies.
At the beginning of 20 18, anbang insurance, because the actions of the former chairman touched the bottom line of the CBRC, the CBRC took over and took out 60.8 billion insurance money to save the factory and safeguard the rights and interests of consumers.
Therefore, no matter whether it is a large company or a small company, it must accept the supervision and management of the China Banking Regulatory Commission, and Union Life also belongs to this situation. Simply put, you don't have to worry that the insurance company won't provide compensation after buying life insurance products.
If you don't want to spend more money, how should large and small companies choose? Click on the link below to help you choose!
Is it better for a big company or a small company to buy insurance? 》
3. What is the solvency of United Life?
Many small partners may not know much about solvency. In fact, solvency is to measure whether the insurance company is responsible for the policy. After all, if the insurance company has sufficient funds, it will not be very troublesome to claim compensation for the insured, and it is not easy to refuse compensation.
As far as the solvency of insurance companies is concerned, the CBRC clearly stipulates that three indicators of insurance companies need to reach the following levels before they can be considered as qualified solvency:
The core solvency adequacy ratio is ≥ 50%;
Comprehensive solvency adequacy ratio ≥100%;
Comprehensive risk level ≥ B. ..
4. What are the advantages of United Life?
Every insurance company will create a special type of insurance. Some insurance companies develop more types of insurance, while others only operate the same type of insurance. Annuity insurance is the characteristic insurance mainly created by Union Life.
What does annuity insurance mean? This is the first thing we need to be clear about. The property of annuity insurance is quite special among the types of insurance, that is, to deposit a sum of money first, and the insurance company will pay a sum of money every year after the fixed number of years agreed in the contract.
As for the annuity insurance involved, He Zhong Life has indeed made great efforts to provide consumers with quite flexible insurance conditions and various premiums, mainly because customers can match and choose at will according to their own needs.
So is the annuity insurance of Union Life really the most worth buying? Senior sister compared the popular annuity insurance in the market, and finally sorted out the high cost-effective annuity insurance ranking. Let's see if He Zhong Life's annuity insurance is on the list.
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
5. The secret of popular products of Union Life!
At present, the business scope of Union Life Insurance includes accident insurance, health insurance, financial insurance and other personal insurance. There are indeed many products that sell well. The more distinctive ones are Hezhongxin Future Annuity Insurance, Hezhongxin Times Annuity Insurance, He Zhongzhi Nengyingjia Annuity Insurance (dividend type) and so on.
Some critical illness insurance products launched by He Zhong Life Insurance are also very popular, such as how to be loyal to Baika's happy lifelong critical illness insurance and He Zhongai's regular critical illness insurance. , are popular products.
Sixth, pay attention to these contents before buying insurance!
You don't have to go to a big company to buy insurance, because the quality of insurance products mainly depends on product responsibility. If the responsibility of this product can meet our needs, even a small company should consider it.
In addition, small companies are not "small". First of all, we must understand one thing. We must have more than 200 million registered capital before we can set up an insurance company. In other words, the companies in the insurance industry that we know at present are actually not small companies.
Therefore, when friends buy insurance products, the key depends on whether the insurance products themselves are excellent, whether they are suitable for themselves and so on.
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 top student, the official account of WeChat, and ask me about insurance.
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!