Many friends want to see the comparative evaluation between Everbright Life Insurance Company and China Life Insurance Company. Today, senior sister will compare them and see what kind of sparks will be struck between them.
I. Introduction of Everbright Life Insurance Company
Everbright Life Insurance Co., Ltd. was established in April 2002, which is a life insurance company facing the whole country.
Shareholders of the company 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%), with strong background.
The legal capital of Everbright Life Insurance Company is 5.4 billion yuan. In addition, after more than 20 years of rapid development, the company has opened 24 branches all over the country, and 80% of the population in the country are within its business scope, basically covering all parts of the country.
According to the summary of the solvency quarterly report of Everbright Life in the third quarter of 2022, the core solvency adequacy ratio of Everbright Life in the third quarter of 2022 was 65,438+000.88%, the comprehensive solvency adequacy ratio was 65,438+056.83%, and the comprehensive risk rating in the second quarter of 2022 was Grade A, which met the standards of China Banking Regulatory Commission.
If you want to know more about other contents of Everbright Life Insurance, you can look at the analysis written by Senior Sister:
The latest strength of "Everbright Yongming Insurance Company" is exposed. Is the product worth insuring? 》
Two. Brief introduction of China life insurance company
China Life Insurance is classified as a state-owned super-large financial and insurance enterprise company, which belongs to the central financial enterprise. Headquartered in Beijing, the company was established in 1949, and its business scope covers life insurance, property insurance, funds and other fields. Its annual premium has reached hundreds of billions, ranking the top three in the domestic list.
In addition, China Life Brand has been selected into the "Top 500 World Brands" published by the World Brand Lab for 132 years in a row, and ranked fifth in the "Top 500 Most Valuable Brands in China in 20 19", with a brand value of 353.987 billion yuan.
In addition, according to the solvency data in the third quarter of 2022, the core solvency adequacy ratio of China Life Insurance Co., Ltd. is 16 1.93%, the comprehensive solvency adequacy ratio is 230.26%, and the risk rating is AAA, which is much higher than the CBRC standard.
If you want to know more about China Life, you can click on the link below to view the analysis:
How about China Life? What products are there? 》
3. Everbright Life Insurance VS China Life Insurance, who is stronger?
1, company background
As far as the company background is concerned, the strength of the two insurance companies is worthy of recognition.
Comparatively speaking, the development scale of China Life is better than that of Everbright Life, and it belongs to one of the three giants of domestic insurance companies, with stronger total assets and premium income.
2. Solvency
Both China Life Insurance and Everbright Life Insurance have excellent solvency. In contrast, the solvency adequacy ratio of China Life Insurance is higher than that of Everbright Life Insurance.
What does solvency mean? In other words, it is the ability of insurance companies to pay insurance premiums.
Under the supervision system of CBRC, insurance companies are required to have a core solvency adequacy ratio of not less than 50%, a comprehensive solvency adequacy ratio of not less than 100%, and a comprehensive risk rating of B and above, and these three indicators must meet the standards at the same time to be qualified.
3. Advantage insurance
China Life is best known for its health insurance, such as critical illness insurance and medical insurance. Its specific products include Life A, Happiness, Love Comfort, and Happiness Insurance Plan 2022.
For example, premium insurance plan 2022, let's analyze the advantages of China Life in detail.
As can be seen from the protection map, the main highlight of the premium insurance plan 2022 is multiple compensation for serious illness. The critical illness insurance covers 120 major diseases, and the number of payments shall not exceed 6 times.
If the insured is unfortunately suffering from a major disease, the body immunity is not as good as before, and some high and critical diseases are likely to cause complications. Compared with the products with a single payment, the protection of the exclusive insurance plan 2022 is still commendable.
However, we should pay more attention to the premium insurance plan 2022, that is, it does not include the second payment of malignant tumor, which is one of the major diseases with high incidence, and the probability of the onset and recurrence of old diseases is quite high.
In addition, I added more evaluation contents about premium insurance plan 2022 in the following article. Interested parties can have a look:
China Life Insurance Plan 2022 Guarantee Upgrade? Look before you buy it! 》
The core products of Everbright Life Insurance are whole life insurance and Annuity Insurance, which pay more attention to financial management, such as Fu Guishuang Annuity Insurance, Fortune Supreme 2022, Xiangzhen whole life insurance 2022 and Guangming Huixuan (A) Pension Insurance.
Taking Guangming Huixuan (A) pension annuity insurance as an example, the advantages of Everbright Life Insurance are analyzed in detail.
As can be seen from the protection map, the biggest advantage of Guangming Huixuan (a) pension annuity insurance is to guarantee the collection and increase the insured amount.
In view of the guarantee of receiving Guangming Huixuan (a) pension annuity insurance for 20 years, if the time of the insured's unfortunate death is really guaranteed, it is also very good for the insurance company to pay the remaining pension that has not been taken away to the insurance beneficiary in one lump sum.
In addition, the insured amount of Guangming Huixuan (a) pension annuity will increase in a certain proportion every year. The higher the insured amount, the more compensation will be obtained when you die.
Generally speaking, Everbright Life Insurance and China Life Insurance are leading companies in China, and their strength is still good, but the advantages and disadvantages of their products are different. You can compare and analyze it before you think about it.
Write it at the end
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