According to the latest solvency situation of life insurance companies in the fourth quarter of 218 released by the China Insurance Regulatory Commission, CITIC Prudential Life's core solvency adequacy ratio is 233%, its comprehensive solvency adequacy ratio is 273%, and its risk rating is A, ranking 26th. Judging from the public premium income of life insurance in 218, CITIC Prudential's original premium income in 218 was 15.385 billion yuan, and the premium scale was 11.829 billion yuan, accounting for .59% of the total market share, ranking 24th.
1. An insurance company refers to a company as a legal person established in accordance with the Insurance Law and the Company Law. Insurance companies collect premiums, invest premium capital in bonds, stocks, loans and other assets, and use the proceeds of these assets to pay insurance compensation determined by the policy. Through the above business, insurance companies can get higher return on investment, provide customers with appropriate insurance services at lower premiums, and thus make profits.
second, the business of insurance companies can be divided into two categories: (1) life insurance business, including life insurance, health insurance, accident insurance and other insurance businesses. (2) Property insurance business, including property loss insurance, liability insurance, credit insurance, guarantee insurance and other insurance business. Insurance companies in China are generally not allowed to run both life insurance business and property insurance business.
third, an insurance company is an insurer in the form of a company organization, which deals in insurance business. An insurer in an insurance relationship has the right to collect insurance premiums and set up an insurance fund. At the same time, when an insurance accident occurs, it is obligated to compensate the insured for economic losses. 4. Insurance companies are companies that sell insurance contracts and provide risk protection. An insurance company refers to an economic organization that operates the insurance industry. Insurance companies refer to commercial insurance companies established with the approval of China Insurance Regulatory Authority and registered according to law, including direct insurance companies and reinsurance companies.
Fourth, home insurance should be, for example, if your house is damaged, or your house is damaged due to strong winds and heavy rains, you can pay for it in this way. The theft of your home does not belong to this category, but should belong to property insurance. Home insurance belongs to the category of family property insurance, which mainly protects housing losses caused by natural disasters and accidents such as fire, explosion and lightning strike.
5. Housing insurance is generally insured by the owner or household, and the insurance rate is .1-.2%. If there is any loss, the insurance company will calculate the compensation according to the actual value of the house, but it shall not exceed the insured amount. This insurance method does not require the insured to fully insure the actual value of the house, but to insure according to the maximum loss that may occur in an accident.