Senior, let's talk about Everbright Life Insurance Company and Everybody Insurance Company. Which of the two companies is better?
1. How about Everbright Life Insurance Company?
Everbright Life Insurance Company came out in 2002. It is a subsidiary of Everbright Group and is essentially a state-owned insurance company. Existing shareholders include China Everbright Group Co., Ltd. (50%), Canadian Yongming Life Insurance Company (24.99%), Zhong Bing Investment Management Co., Ltd. (12.505%) and Angang Group Co., Ltd. (12.505%). At present, Everbright Life Insurance Company has a registered capital of 5.4 billion yuan, and its capital strength is in the forefront of domestic life insurance companies.
Only 20 years after its establishment, Everbright Life Insurance has 24 branches in China, covering 80% of the population. Everbright Life Insurance has initially established an insurance group structure, with Everbright Asset Management Company as its subsidiary, which was established on 20 12, and won many honors such as 3i Award in the industry. It can provide insurance protection for the elderly, accidents, medical care, education, asset management, etc., and also meet the wealth management needs of customers, winning a good market reputation.
In 20021year, the operating income of Everbright Life Insurance increased by 7.11%over the previous year; Compared with before, the original insurance premium income increased by 4.58%, the net profit increased by 29.84%, the new single premium income increased by 33.74%, and the renewal premium income increased by 38.88%. In addition, the company's risk prevention and control was implemented steadily, and the comprehensive risk rating remained "A" for six consecutive quarters.
Since Everbright Life is so strong, what about product protection? If you want to know whether the product value of this insurance company is worth insuring, please click the following link to read:
The latest strength of "Everbright Yongming Insurance Company" is exposed. Is the product worth insuring? 》
Second, is everyone's insurance company trustworthy?
Everyone Insurance Company was established in 20 19 with a registered capital of 20.36 billion yuan. It is a comprehensive insurance group covering property insurance, life insurance, endowment insurance, asset management and other fields. Established by China Insurance Guarantee Fund Co., Ltd., China Petrochemical Group Co., Ltd. and Shanghai Automotive Industry (Group) Corporation. Small partners who may have a deeper understanding of everyone will know that after PICC is established, Anbang Insurance will be taken over according to law, and PICC will be responsible for the original policies and businesses.
Renren Insurance Company also has four subsidiaries: Renren Life Insurance, Renren Property Insurance, Renren Pension and Renren Assets, as well as three empowerment sectors: health pension, real estate investment and technological innovation. Each subsidiary has 60 provincial-level branches and more than 65,438+0,500 county-level branches in 365,438+0 provinces (autonomous regions and municipalities) nationwide, and the number of institutions ranks among the top in the industry.
Everyone's insurance has only been established for a few years, and its strength is so strong? How about its product guarantee? Don't worry, senior sister has sorted out the product information of everyone's insurance and answered them one by one in the following article:
"The strength of everyone (Anbang) insurance company is exposed! Please pay attention to this product before buying! 》
Third, Everbright Life Insurance Company PK Everyone Insurance Company, who wins and who loses the fairy fight?
1, the contest of the company's strength
Everbright Life Insurance Company was established in 2002. Today, its registered capital is as high as 5.4 billion yuan, and its capital strength ranks among the best in domestic life insurance companies.
In 20 19, Renren Insurance Company was born with a registered capital of 20.36 billion yuan. Each subsidiary has 60 provincial-level branches and 1500 county-level branches in 3 1 provinces (autonomous regions and municipalities) nationwide, and the number of institutions ranks among the top in the industry.
If we only look at the registered capital, then everyone's insurance company will definitely be better.
2. Is the solvency up to standard?
The data of the third quarter of 2022 shows that the core solvency adequacy ratio of Everbright Life Insurance is as high as 65,438+000.88%, and the comprehensive solvency adequacy ratio is as high as 65,438+056.83%. The comprehensive risk rating in the last quarter was good, with a grade. ..
After the establishment of Everyone Insurance, it successfully took over Anbang Insurance. In the past two years, it is still in the risk disposal stage, and the annual information has not been officially released. So in this case, how can the solvency of everyone's insurance not be obtained? However, you can rest assured that one of the shareholders of Everyone Insurance is the well-known China Insurance Protection Fund Co., Ltd., which can be said to be very reliable.
According to the regulations of China Banking and Insurance Regulatory Commission, the solvency of a company must meet three requirements at the same time:
The core solvency adequacy ratio is not less than 50%;
The comprehensive solvency adequacy ratio is not less than100%;
The comprehensive risk level shall not be lower than Grade B. ..
Combined with the above data, Everbright Life's solvency is up to standard.
3. What are the advantages of insurance?
Everbright Life Insurance has outstanding performance in accident insurance, annuity insurance, health insurance, life insurance and other aspects, such as travel worry-free series accident insurance, bright worry-free series critical illness insurance, million Ankang series medical insurance, bright wisdom series pension insurance, bright supreme series whole life insurance and so on, which are all popular products at present.
Are popular products necessarily worth buying? Not necessarily. You need to pay attention to the coverage when buying insurance. Want to know whether the products of Everbright Life Insurance are suitable for purchase? Click on this article, and Senior Sister will tell you the answer:
Is "Everbright Everbright Enjoy whole life insurance 2022" worth buying? This article will tell you everything! 》
Health insurance, medical insurance, life insurance, annuity insurance, etc. Are the main business scope of everyone insurance. For example, whole life insurance and Ai Jia's critical illness insurance, Xinyi's guardian medical insurance and Xinxiang's annuity insurance are all its superior products.
Finally, senior sister wants to say that most insurance companies are reliable. When configuring insurance, we should pay more attention to whether the product guarantee content is excellent and whether it can meet our own insurance needs.
Write it at the end
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