In fact, there is no need to worry at all, as long as the insurance company is safe and reliable under the supervision of the CBRC.
Let's start with Everbright Life Insurance and Tianan Life Insurance. Which of the two companies is better?
Before we begin, you may want to know from what aspects to analyze insurance companies:
"What should we pay attention to when we pay attention to insurance companies? 》
First announce the background of Everbright Yongming!
Everbright Life Insurance Company was established in April 2002, belonging to the state-owned insurance enterprise controlled by China Everbright Group.
Its existing shareholders include China Everbright Group Co., Ltd., Canadian Yongming Life Insurance Company, Zhong Bing Investment Management Co., Ltd. and Angang Group Co., Ltd., mainly because its registered capital has reached 5.4 billion yuan, and its capital strength ranks among domestic life insurance companies.
Solvency is actually an important indicator to judge whether an insurance company has the ability to repay debts, which can reflect the financial stability of an insurance company.
China Banking and Insurance Regulatory Commission stipulates that insurance companies can only meet the following three standards:
The core solvency adequacy ratio is not less than 50%; The comprehensive solvency adequacy ratio is not less than100%; The comprehensive risk rating is above Grade B..
Therefore, friends also need to know more about the solvency of Everbright Yongming, which can be directly shown in the solvency report in the third quarter of 2022. The actual core solvency adequacy ratio of Everbright Yongming reached 65,438+000.88%, and the comprehensive solvency adequacy ratio was 65,438+056.83%. In the third quarter of 2022, the comprehensive risk rating was excellent and rated as A level.
If you want to know more about Everbright Yongming Insurance Company, you can read this article for a deeper understanding:
The latest strength of "Everbright Yongming Insurance Company" is exposed. Is the product worth insuring? 》
Second, the strength of Tianan Insurance has risen to the bottom!
Tianan Life Insurance was established in 165438+2000 10. By the end of 20021,the registered capital of Tianan Life Insurance was14.5 billion yuan, and the scale premium exceeded 65 billion yuan. Nine branches have been established: Shanghai, Henan, Shandong, Hebei, Qingdao, Jilin, Sichuan, Jiangsu and Guangdong. There are 262 branches in the whole system, and they have successively won the honors of 20 19 Top 500 Private Enterprises in China and 20 19 Top 65438 Private Enterprises in China.
Senior also analyzed the insurance company Tianan Insurance. You can see more:
What about Tianan Life Insurance? Don't follow the trend to buy these products ... "
In 2020, Tianan Insurance was forcibly taken over by the China Banking Regulatory Commission due to poor management. We don't need to be particularly worried, just because the CBRC has taken over, our consumers' policy protection rights will not be disturbed at all.
The state has strict supervision over the insurance industry. If the insurance company can't survive, other insurance companies will take over, and Tianan insurance also belongs to this category. Tianan Property Insurance Co., Ltd. was taken over by China Pacific Property Insurance Co., Ltd., and new china life insurance co Co., Ltd. was taken over as An Life Insurance Co., Ltd. The policies previously sold by Tianan Insurance are still valid and will not interfere with consumers' protection rights and interests.
Third, buy insurance, which one should I choose, Everbright Yongming or Tianan Insurance?
Which insurance company's products will be better, Everbright Yongming or Tianan Insurance? You will understand after reading the following points!
1, strength comparison
After reading the above explanation, we can all see that the capital strength of these two insurance companies is very strong, and the shareholder background of China Everbright Li Yongming is also relatively strong.
If Tianan Insurance is taken over, the insurance business is no exception, and it can still operate normally after being taken over. For the company level, we don't have to worry.
2. Solvency
Tianan Insurance is currently taken over by CBRC, so there is no latest solvency information at present.
Everbright Yongming's solvency has exceeded the passing line stipulated by the CBRC, which means that the financial situation of insurance companies is relatively stable and there is no need to worry about claims.
3. Product comparison
Everbright Yongming's insurance products cover critical illness insurance, pension insurance, life insurance and many other categories. Its popular products include Bright Lifelong Pension Insurance, Bright Huixuan A/B Pension Insurance, Everbright Yongming Preferred Critical Illness Insurance and so on.
Tianan Insurance also has a variety of products, including health insurance, life insurance and endowment insurance. The more popular products are Tianan Happiness Source Annuity Insurance, Tianan Aibo 202 1 Critical Illness Insurance, Tianan Family Heritage Insurance whole life insurance and so on.
Senior now makes a careful comparison between Guangming Lifelong Pension Annuity Insurance and Tianan Happiness Source Annuity Insurance:
Bright life pension annuity insurance can guarantee life-long, and the annual pension collection form is extremely simple and flexible, allowing you to directly choose the age to start collecting, and the collection age and retirement age are set simultaneously, so that the insured can get the pension in time; At the same time, you can choose monthly payment or annual payment freely and flexibly, and you can directly guarantee to receive it for 20 years. Even if the insured dies just within the guaranteed payment period, the beneficiary can get the corresponding insurance money.
When insured, the insured can also choose to attach a universal account, which can guarantee the interest rate of 3%. In this case, if he can get the pension, he doesn't need to get it for the time being, and he can put the money into the universal account to compound interest and increase value.
By comparison, it can be seen that Tianan Happiness Source (Li Xiang) annuity insurance is set for short-term protection, which only covers 10 years. It is suggested that some friends who pursue short-term security can consider it.
Its protection responsibility is basically the same as most similar annuity insurance in the market, including survival insurance annuity, expiration insurance and death insurance.
However, there is no universal account to attach to this product. We should know that many annuity insurances are equipped with universal accounts, that is, if you don't want to take out the annuity, you can put it in for compound interest and increase the value, so that the insured can get more income.
In view of the above, Everbright Yongming and Tianan Insurance are very trustworthy, but when purchasing insurance, it still needs specific analysis. We should analyze the protection content of products, such as annuity insurance products, and also calculate the income before making insurance decisions.
Write it at the end
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