However, many friends who don't know much about insurance still have concerns when recommending products to Fude Life.
I will tell you something about Fude Life Insurance Company and the advantages of its products.
Before the analysis, we can do some work on what standards are needed when investigating insurance companies:
"What should we pay attention to when we pay attention to insurance companies? 》
1. Is Fude Life Insurance Company reliable? What is the strength?
First of all, this problem must be emphasized by senior students. In China, as long as insurance companies can be established, they are reliable and can be supervised by CBRC, including Fude Life Insurance Company.
Although this is true, many friends may still be unable to dispel their concerns, fearing that they can't afford to lose.
Next, let's study what Fude Life Insurance Company is like.
1. shows economic strength
Fude Life Insurance Co., Ltd. (referred to as Fude Life Insurance) is a national professional life insurance company, which was established in 2002.
Shareholders are composed of Shenzhen Fude Financial Investment Holding Co., Ltd. and Shenzhen National Investment Development Co., Ltd. ..
The registered capital of the company is117.52 million yuan, and the total assets have exceeded 3 1000 billion yuan. * * * has 35 branches,/kloc-more than 0/000 branches and their service outlets.
On the whole, the strength of Fude Life Insurance Company is trustworthy!
2. Show solvency
To put it bluntly, solvency is to measure whether an insurance company can afford the insured amount agreed in the contract.
To obtain solvency, the following three conditions must be met at the same time:
The core solvency adequacy ratio is above 50%;
The comprehensive solvency adequacy ratio is above 100%;
The comprehensive risk rating is above Grade B..
Fude Life Insurance Company's 20021annual information disclosure report shows that it has submitted risk rating data, but the results have not yet come out.
Let's analyze the latest solvency data of Fude Life Insurance Company.
Fude Life Insurance Company 202 1 First Quarter Solvency Information:
As can be seen from the above figure, the solvency of Fude Life Insurance Company has reached the standard and exceeded the passing line, so there is no need to worry about the "empty" situation of the insurance company.
Fude Life Insurance Company has both strength and economic strength, and is undoubtedly an excellent insurance company.
However, it is the product that provides protection for consumers. What really matters is whether the products of insurance companies are good or not.
So, are the products of Fude Life Insurance Company really worth buying? Senior don't comment, we continue to analyze!
Second, is the product of Fude Life Insurance Company worth buying?
Senior sister takes the flagship product of Fude Life Insurance Company, Huibao Critical Illness Insurance, as an example to see how it performs.
Without further ado, let's take a look at the product protection map:
As shown in the above figure, the coverage of critical illness insurance in Bao Hui is quite rich.
I won't sell it here. I'll focus on analyzing what needs attention in this product.
1. Life cannot be guaranteed.
The insurance period of this Bao Hui critical illness insurance introduced by the insurance company is really great. You can choose between 30 or 60/70/80.
However, the most regrettable thing about this product is that there is no lifetime guarantee.
If you want to give your child a lifelong and stable guarantee, then this product can't satisfy you.
So, if you want to buy this product for your child,
It is necessary to buy another life-long critical illness insurance. For adult children, it is necessary to fully cover the risks.
2. The longest payment period is only 20 years.
Buying long-term insurance such as critical illness insurance is actually the same as mortgage payment. The longer the payment period, the less money you have to pay each period.
Most critical illness insurance in the market has a maximum payment period of 30 years, while Bao Hui's critical illness insurance only needs 20 years.
Comparatively speaking, the premium payment of this Huibaobao critical illness insurance is quite stressful for people who don't have enough money.
3. The insured has no exemption guarantee.
The insured age of this Huibao critical illness insurance is within the range of 30 days to 20 years after birth.
Therefore, this critical illness insurance for children is prepared by parents for their children.
During the payment period of several decades, if parents are unfortunately seriously ill or have an accident, the premium can only be interrupted and the baby will lose protection.
Therefore, almost all children's critical illness insurance products on the market now provide exemption clauses for policyholders.
Because parents are in danger, they can be exempted from premiums in the next few years, and children can also enjoy protection, avoiding hidden dangers.
Although it is a practical guarantee, there is no critical illness insurance for Huibao. I have to say, this is too careless.
So my analysis of Hui Baobao's critical illness insurance ends here. Friends who want to know more about this product can go and see what the experts say:
"Fude Life" Huibao "is coming strongly, and I will tell you whether it is worth buying in three minutes! 》
Third, summary.
Generally speaking, although Fude Life is excellent in strength and solvency, its flagship product is not very brilliant.
Therefore, the strength of an insurance company does not mean that this product of its family must be worth buying.
When buying insurance, don't just stare at the insurance company behind you. The most important thing is to see whether the product itself is good enough.
Now there are many products on the market that are comprehensive and cost-effective. You might as well shop around and choose the best.
The following ten good products are recommended by Senior Sister:
Ten cheap and excellent critical illness insurance inventory! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!