Not to mention the well-known China Life Insurance, Pacific Insurance and Ping An Insurance, some less well-known insurance companies have begun to become famous with some excellent insurance products.
Next, Senior Sister will introduce AIA and PICC to everyone to see how strong they are and which one is better.
Before the beginning, the seniors compiled a standard list of choosing insurance companies. Interested friends can have a look:
"What should we pay attention to when we pay attention to insurance companies? 》
First, the big secret of AIA!
AIA is a long-established insurance company. In China, it set up a branch in Shanghai on 1992. It is one of the first non-local insurance institutions to obtain a personal life insurance business license after the reform and opening up, and it is also the first insurance company to introduce the insurance salesman system into China.
Its holding company limited and its subsidiaries are located in more than ten markets in the Asia-Pacific region, including Chinese mainland, China, Hongkong, Thailand, Singapore, Australia, South Korea and Vietnam.
The company is actually listed on the main board of the Stock Exchange of Hong Kong Limited. By June 30, 2022, its total market value will be as high as 1.02 trillion yuan.
Its products and services are life insurance, accident insurance, medical insurance and savings plans, which are suitable for customers' long-term savings and security needs.
Entering 2 13 of the Fortune Global 500 list in 20021year, we can know that the strength is still good.
According to the report released by AIA official website, the solvency in the third quarter of 2022 is as follows:
Moreover, the comprehensive risk rating result is AA, which is much higher than that of CBRC!
Seeing this, if you want to know more about AIA, you can read the following directly:
How about AIA? Is its product worth buying? 》
Second, everyone's insurance company reveals the secret!
Renren Insurance, established on 20 19, is a comprehensive insurance group integrating pension insurance, life insurance, property insurance, asset management and other fields. It is mainly engaged in insurance business and has four insurance subsidiaries: Renren Life Insurance, Renren Property Insurance, Renren Pension and Renren Assets.
It is jointly funded by China Insurance Guarantee Fund Co., Ltd., sinopec group and Shanghai Automotive Industry (Group) Corporation, with a registered legal capital of RMB 20.36 billion.
According to the strength of its shareholders, the strength of everyone insurance should not be underestimated.
As far as Sinopec, SAIC and other group companies are concerned, it is obviously unnecessary to introduce them one by one.
China Insurance Protection Fund Co., Ltd. is bigger than these companies. It is a wholly state-owned company jointly funded by the Ministry of Finance, the Central Bank, the China Insurance Regulatory Commission and the China Insurance Regulatory Commission.
But it is not enough to pay attention to the strength of shareholders, but also to their solvency ~
According to the data of official website Insurance Association, the solvency data of everyone's insurance only reached as of the first quarter of 20 17, and the solvency of 20 17 reached:
Its comprehensive risk assessment is Grade B, and its solvency is no problem.
Three. AIA pk Everyone Insurance, who is the real winner!
1, company background comparison
AIA is not a Chinese-funded enterprise. It was established very early and its comprehensive strength level is relatively high. However, despite its relatively short establishment, Renren Insurance has strong shareholders and abundant registered capital.
From the company background, it can only be said that the two companies have their own bright spots ~
2. Solvency comparison
Solvency is a standard to measure whether an insurance company has the ability to settle claims after an accident.
According to the regulations of China Banking Regulatory Commission, the core solvency adequacy ratio is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the comprehensive risk rating is above Grade B before the solvency can reach the standard.
Judging from the latest solvency analysis of AIA and Renren Insurance, the solvency of these two companies is qualified, so you can rest assured ~
3. Comparison of superior insurance types
AIA's products cover health insurance, accident insurance, endowment insurance and life insurance. The following are its advantages: critical illness insurance, endowment assurance, annuity insurance and so on. The glory version of critical illness insurance, AIA's peace of mind version, satisfaction version and other comprehensive insurance plans and stable future insurance plans are all popular products at present.
The products of universal insurance include: health insurance, accident insurance, endowment insurance, life insurance, etc. Its advantages are divided into critical illness insurance, life insurance and annuity insurance. For example, everyone's critical illness insurance, everyone's exclusive whole life insurance and everyone's rich house pension insurance are all popular products in the market at present.
Like everyone's home pension annuity insurance, it not only has comprehensive protection and high insurance selectivity, but also has the first echelon level, which is welcomed by many small partners. I want to see the detailed evaluation and stamp it directly:
"Everyone is the big secret of the income surprise of the richest man's house pension annuity insurance! Look before you buy it! 》
Generally speaking, these two insurances have their own bright spots, excellent overall strength and satisfactory solvency.
However, senior sister suggested that you should look at the insurance product itself before considering the insurance company. After all, the rights we can get depend on the insurance contract.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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