Generally speaking, there are two options for the amount of family security. One is to pay 15% ~ 20% of the annual income according to the annual household income; Apart from the monthly payment you mentioned, spending about 50,000 yuan on insurance every year should not affect the daily life of the family. The second is that according to the needs of security, it should be at least 5~ 10 times of annual income, that is to say, the maximum amount of insurance compensation for you and your lover should be 2.5 ~ 5 million to reflect the value of both. It can be planned according to the actual security and economic arrangements of the family.
For the advice of insurance products, a protection scheme that really suits your family, there will definitely be no too appropriate and detailed answer through online inquiry. It's hard to talk with people. It's best to call the local China Life Branch and ask them to recommend a senior and well-served manager for an interview, so as to generate enough information and provide you with more comprehensive protection and services.
China life insurance co., ltd.
company profile
China Life Insurance Co., Ltd. is the largest life insurance company in China, headquartered in Beijing. As a core member of China Life Insurance (Group) Company, a Fortune 500 company and a Fortune 500 company, the company has won the trust of the most extensive customers in the society with its long history, strong strength, professional leading competitive advantage and world-renowned brand, and has always occupied the position of a leader in the domestic insurance market, and is known as the "mainstay" of the insurance industry in China.
China Life with a long history.
China Life, the same age as People's Republic of China (PRC), is one of the earliest insurance companies in China, shouldering the heavy responsibility of explorers and pioneers in China's life insurance industry. It has gone through more than half a century's development process and is well versed in the management of the domestic life insurance market. In the process of serving the domestic market and customers for a long time, it has accumulated rich experience and developed into an internationally renowned large-scale insurance enterprise.
On June 9, 2007, 65438+ Company returned to the domestic A-share listing, and since then, the company has become the first financial and insurance enterprise listed in three places in China.
On June 65438+February 17 and June 18, 2003, the company went public in new york and Hongkong respectively, creating the largest IPO in the world that year.
On June 30, 2003, China Life accelerated the pace of reform and development, established China Life Insurance (Group) Company, and exclusively initiated the establishment of China Life Insurance Co., Ltd. ..
1998 PICC life insurance co., ltd changed its name to China life insurance company.
1996, PICC Life Insurance Co., Ltd. was established, and China Life began to enter the era of specialized life insurance business.
1949 10, the central government approved the establishment of the only insurance company in China, thus opening the first year of the development of China Life.
The mighty China Life.
After long-term development and accumulation, China Life has possessed the strength of globalization. By the end of 2008, China Life has been selected as one of the Fortune 500 companies for six consecutive years. Its total assets and net assets account for half of the domestic life insurance industry, and its total market value ranks first among listed life insurance companies in the world. The company's solvency is sufficient, and its strong strength is the guarantee of the company's good reputation and the strong backing for fulfilling its commitment to customers.
As of 2008, China Life has been selected into Fortune Global 500 for six consecutive years, ranking from 290 in 2003 to 159 in 2008, ranking seventh among 35 companies selected in China and 15 among 46 insurance companies.
By the end of 2007, the company had total assets of 894.604 billion yuan and net assets of 17 1 1000 billion yuan, accounting for half of the domestic life insurance industry. The company's solvency margin is 5.25 times of the statutory minimum solvency margin. The company's investment income in 2007 reached 84.58 billion yuan.
By the end of 2007, the company's total market value was stable at 654.38+0 trillion yuan, and once exceeded 2 trillion yuan. In 2008, Forbes ranked the top 2000 global listed companies, and the total market value of the company ranked first among the global insurance listed companies. H shares of the company became the first blue chip in Hong Kong to enter the Hang Seng Index, and A shares of the company were also the index stocks of the Shanghai and Shenzhen 300.
The company has a huge distribution channel in China. More than 4,800 branches,15,000 marketing outlets, and more than 90,000 banks and postal savings institutions have formed a distribution network covering urban and rural areas throughout the country.
China Life, a leading professional.
China Life has always maintained a professional leading competitive advantage in the life insurance industry. The company has strong product R&D and innovation ability, and constantly deepens the connotation of insurance products and services. The company is convinced that IT application is an important factor affecting the future development of the industry and determining the company's competitive advantage, and continues to build a world-class and domestic leading IT platform. The level of corporate governance is leading in the industry, and the internal control system is in line with international standards. The investment operation of the company is highly specialized, and it is one of the largest institutional investors in China. The competitive advantage accumulated by the company leads the market, and its market share ranks first year after year.
The company's insurance products have strong R&D and innovation ability. Long-term accumulated life insurance experience and elite professional actuarial team have enabled China Life to always be at the forefront of the market in product development and innovation. Many innovative products have filled the gaps in the domestic market and deepened the connotation of insurance products.
The company has built world-class data and R&D centers in Shanghai and Beijing, and is committed to building a leading information technology platform, relying on advanced information technology to build first-class risk management and control capabilities and customer service capabilities.
The company has established a perfect corporate governance structure in accordance with the regulatory requirements of the United States, Hong Kong and the Mainland, and most of the directors of the company are external independent directors. According to the requirements of Section 404 of Sarbanes-Oxley Act, an internal control system in line with international standards was established.
The company took the lead in establishing an investment benchmark system in line with the characteristics of insurance funds in China to promote the specialization and standardization of the use of insurance funds. The company's investment professional ability is outstanding and the results are remarkable.
As a leader, the company has been promoting the strong growth of life insurance industry in China. As of June 30, 2008, the company's market share was 42.76%.
China life insurance with excellent brand.
Through long-term and continuous brand building, China Life has become one of the world-famous strong brands, and its brand value and brand influence have been continuously improved. China Life actively promotes the brand strategy of "industry brand changing to social brand", "domestic brand changing to international brand" and "well-known brand changing to excellent brand", and is committed to building a world-class financial and insurance brand.
China Life is the most valuable insurance brand in China. According to the ranking of China 500 Most Valuable Brands jointly sponsored by World Brand Lab and World Manager Weekly, the brand value of "China Life" rose from 58.867 billion RMB in 2007 to 66.872 billion RMB in 2008. In the second annual ranking of the best brands in China released by InterBrand, the brand value of "China Life" rose from $4.6 billion in 2006 to $8.6 billion in 2007.
The company pays attention to the richness and diversification of brand connotation and brand construction in the service field, and takes the lead in launching the "China Life 1+N" service brand in the insurance industry, and implements a customer-oriented business strategy.
The company hired Yao Ming, a world basketball superstar, as the global image spokesperson, and constantly enhanced the brand awareness and reputation of China Life.