Many people will choose from familiar insurance companies for the first time.

In fact, in addition to the well-known insurance companies such as Pacific, China Life and Ping An, there are many domestic insurance companies that are low-key and powerful.

Let's see which insurance companies are doing well today ~

Generally speaking, we judge whether an insurance company is strong or not. There are three main indicators: comprehensive risk rating, ranking of the world's top 5 companies and soft power of insurance companies (insurance service quality, claim data and complaint volume).

excellent insurance company indicator 1: comprehensive risk rating

in short, comprehensive risk rating can help us to judge whether the insurance company is risky or not, and whether it is strong enough to lose money.

comprehensive risk rating refers to the evaluation of the solvency comprehensive risk of insurance companies by regulatory agencies, which is used to measure the overall solvency risk of insurance companies.

according to the regulations on solvency management of insurance companies, which came into effect in March 221, insurance companies need to meet the following three regulatory requirements at the same time in order to meet the solvency standards:

according to the comprehensive risk rating, insurance companies are divided into four grades: A, B, C and D, with A being the best and D the worst.

generally speaking, the solvency of an insurance company with a comprehensive risk rating of B or above is up to standard.

let's take a look at the ratings of insurance companies as of the first quarter of 223.

class a: (only part listed)

China life insurance, Pacific life insurance, Taiping life insurance, Xinhua life insurance and AIA life insurance.

class b: (only part listed)

China Ping An Life Insurance Company of China, PICC Life, Sunshine Life, Centennial Life and Happy Life.

Grade C: (only part of the list)

Hezhong Life Insurance, Xintai Life Insurance, Qianhai Life Insurance, Shanghai Life Insurance and Zhujiang Life Insurance

Grade D:

No

Don't worry if your friend just bought the products of an insurance company with a comprehensive risk rating of C. Because the comprehensive risk rating is a dynamic indicator, it will change every quarter according to the operating conditions of insurance companies.

even if it is rated as C or D, the insurance company will try its best to improve it by increasing capital.

if the solvency of an insurance company fails to meet the standard for a long time and the problem cannot be effectively solved, the CBRC will take corresponding measures to require the insurance company to make rectification and hold the relevant responsible person accountable.

there are regulatory agencies at the bottom, so the probability of bankruptcy of insurance companies is very small. If we go bankrupt, our insurance policy will also be transferred to the next company. If something goes wrong, we won't lose a cent.

You can put your heart back in your stomach ~

Excellent Insurance Company Index 2: Top 5 in the world

In the list of the top 5 in the world in 221, there are eight insurance companies in China, which also means that the comprehensive strength of insurance companies should not be underestimated.

in addition to the comprehensive risk rating, ranking of the world's top 5 and other hard indicators, consumers are actually more concerned about the services and claims of insurance companies and the number of complaints.

Indicator 3 of excellent insurance companies:

Insurance quality index, claims service and complaint volume

Insurance quality index can help us to see the convenience, continuous improvement and customer recognition of insurance companies' services.

according to the insurance service quality index results in the first half of 221 issued by BOC insurance information technology management co., ltd. (hereinafter referred to as "Yin Baoxin"), The top ten insurance companies are:

Pacific Life (94.75), Taiping Life (93.9), Zhujiang Life (93.27), China Ping An Life Insurance Company of China (93.4), Taikang Life (91.2), China Life (91.6), AIA Life (91.2) and Jixiang Life (91.2). , Three Gorges Life Insurance (64.67), Happiness Life Insurance (67.19), Hongkang Life Insurance (67.34), Hua Hui Life Insurance (68.66), Dehua Angu (69.44) and Bohai Life Insurance.

after the insurance service, let's take a look at the claims service. Whether the insurance company's claims service is good or not depends on the insurance company's annual claims report.

here's the key point. Claim mainly depends on two data:

As long as the insurance company is complained, the CBRC will record it. There are many dimensions to judge complaints, such as the number of complaints about 1, insurance policies, the number of complaints about 1 million insurance premiums and the number of completed insurance companies.

According to the assessment indicators of insurance companies' hard power (such as risk rating and ranking among the top 5 in the world) and soft power (such as insurance service quality index, claims data and complaints), we select the top ten insurance companies from the most famous big-name/online celebrity life insurance companies:

As mentioned earlier, comprehensive.

We will also answer common questions people encounter when buying insurance.

1. Buy insurance, see products or choose companies?

buying insurance is like buying clothes. What suits you is the best.

moreover, the establishment of insurance companies is very strict, which not only requires high capital, solvency and employees, but also is constrained by the regulatory authorities, and it is not as easy to go bankrupt as we thought.

to say the least, even if the insurance company goes bankrupt, the CBRC will arrange for other insurance companies to take over, and our insurance policy will remain valid and unaffected. There is a regulatory department at the bottom, so don't worry at all.

2. Is it reliable to buy insurance online?

When buying insurance online, people are most worried about two issues:

First of all, the products we can see in the market are not allowed to go on sale until they are officially approved by the China Banking Regulatory Commission. Online purchase and offline purchase through agents are essentially the same.

Generally speaking, however, the insurance of large offline companies is generally more expensive than online products, because the operating costs and advertising costs are higher. Internet products are relatively cheaper.

Moreover, in view of everyone's concern about whether it is safe to buy insurance services online, the new Internet regulations issued in 221 also

have detailed provisions, such as:

In the future, everyone will buy insurance online, and there will be no need to worry about no response and untimely claims settlement. In the future, it will be more convenient and better to buy insurance online than offline.

I am Cunzhenbao,

an insurance expert who has been in the insurance industry for 6 years!

7 million users trust and focus on insurance assessment, popular science social security and business insurance knowledge! Related Q&A: Top 1 auto insurance companies China Auto Insurance Company's top ten rankings: China Ping An, China Life Insurance, Taiping Life Insurance, Taikang Life Insurance, Huaxia Insurance, AIA, New China Life Insurance, Sino Life Insurance, Sunshine Insurance and Anbang Insurance. : 1. Top Ten Rankings of China Auto Insurance Company: 1. China Ping An: It is an insurance company with the most comprehensive license; 2. China Life Insurance: It is one of the largest institutional investors in China's capital market and a Fortune 5 company; 3. Taiping Life Insurance: a national joint-stock commercial insurance company approved by the People's Bank of China; 4. Taikang Life Insurance: There is no bad debt since its establishment, and it has been ranked among the "Top 5 Chinese Enterprises" for 1 consecutive years; 5. Huaxia Insurance: There are more than 47 branches in China and two "Huaxia Charity Funds" have been established; 6. AIA: It is a wholly-owned subsidiary of American International Group; 7. New China Life Insurance: The business is mainly life insurance; 8. Sino Life: One of the life insurance companies with the strongest capital strength in China; 9. Sunshine Insurance: It is a professional life insurance company; 1. Anbang Insurance: One of the most comprehensive insurance companies. Second, the basis for the ranking of insurance companies Generally speaking, looking at insurance companies depends on two aspects: income and solvency. Income represents how much money the company has earned, and whether it will continue to do so will affect the renewal of insurance. Solvency represents whether the company can guarantee claims, which affects whether consumers can be guaranteed. Through the official data and the information of famous websites, we can get the following results: (1) According to the income ranking, China Life Insurance, Ping An Life Insurance Company of China Life Insurance and Pacific Life Insurance have higher incomes. The three companies are also well-known insurance companies in China, and their brand strength and reputation are good, which is indeed the first choice for more consumers. (2) Solvency Ranking Behind every insurance company, there is strict supervision by regulatory mechanisms such as China Banking and Insurance Regulatory Commission. Solvency mainly depends on these three indicators: core solvency adequacy ratio, comprehensive solvency adequacy ratio and comprehensive risk rating. The calculation of comprehensive solvency adequacy ratio, core solvency adequacy ratio, and the specific standards and procedures of comprehensive risk rating are all based on the solvency supervision rules of insurance companies, so insurance companies have a set of calculation standards for core solvency and comprehensive solvency, which need to be strictly observed and implemented.