is sino-Dutch life reliable? How is it ranked in China? Look at this ranking and you will know whether China Life is good or not. What insurance is recommended?

sino-Dutch life insurance was formally established in 22, with a registered capital of no less than RMB 2.6 billion and total assets of RMB 2.3 billion. it is a joint venture between bank of Beijing and BNP Paribas, a Sino-foreign joint venture life insurance company, which was the first batch approved after China joined the WTO.

in addition, according to the relevant report in the fourth quarter of 219, the core solvency adequacy ratio of Sino-Dutch Life Insurance is 199%, and the comprehensive solvency adequacy ratio is 22%, so the risk rating can be comprehensively rated as A-level.

It can be seen that Sino-Dutch Life is really strong. But is the product good? I have explored the products of Sino-Dutch Life Insurance before. If you are interested, please take a look at this article, How about China Life Insurance? What insurance is recommended?

At present, both full-coverage insurance and dividend-paying insurance are popular with the public. Let's take a Jinli endowment assurance (dividend-paying) previously introduced by Sino-Dutch Life Insurance as an example to find out if the products of Sino-Dutch Life Insurance can't pass the customs.

This product has both security and financial management, and its advantages are as follows:

1. Short investment period: as long as you pay the premium for three years, the minimum insurance period is six years, and not only the premium but also the income and bonus will be returned at the expiration.

2. The amount of accidental compensation is high: in addition to the main insurance, accident insurance protection can also be added. In case of accidental death or total disability while riding or driving, you can get up to 5 times the insured amount of compensation.

3. The policy loan amount is high: the policy loan is also acceptable in this product, and the maximum loan amount is 7% of the cash value.

however, water can carry a boat and overturn it. Jinli's selling point is "share out bonus", but it is this that brings the biggest disadvantage to the product:

1. Uncertainty of return rate: if the insurance premium is put in for six years, the final return rate may not reach 3%, and there may be more deposits in the bank, and the bank's access flexibility is even higher.

2. Dividends are opaque: Dividends can't be accurately predicted, which is mainly determined by the actual operation of insurance companies. It is also possible to get no dividends at all.

overall, this product is not attractive.

When buying insurance, it's better to give priority to protection. It's actually not very good to manage money through insurance. Perhaps the final result is that you can't get peace of mind and can't promote good financial management.

In addition, there are still many details to know about the two-insurance policy. Friends who prefer the two-insurance policy should pay attention. After reading this article, you may have other ideas.