Next, the senior introduced the centennial life from the background and solvency of Baosi. Before starting the analysis, we might as well know what factors are involved in evaluating an insurance company: what should we look at when looking at an insurance company?
1, the background of Bao Si
Centennial Life Insurance Co., Ltd. (abbreviated as Centennial Life Insurance) officially opened on June 3, 2009. Headquartered in Dalian, it is the first Chinese-funded life insurance legal entity in Northeast China. The registered capital of the company is 7,794.8 million yuan. At present, 20 provincial branches have been opened, with a total of more than 390 branches at all levels.
Centennial Life has continuously improved in core indicators such as premium scale, profitability, asset scale and solvency, showing strong growth potential and vitality. With outstanding market performance, Centennial Life has won the championship for five consecutive years? Top Ten Life Insurance Companies in China with Value Growth? , the industry status and brand awareness have improved significantly.
Space is limited. To learn more about life in the past 100 years, please refer to this article:
What is the power of a century's life? To be announced soon ...
2. Solvency
If an insurance company wants to be solvent, it needs to meet three standards stipulated by China Banking and Insurance Regulatory Commission: the core solvency adequacy ratio is greater than or equal to 50%; The comprehensive solvency adequacy ratio is greater than or equal to100%; The comprehensive risk level is Grade B or above.
According to the solvency report of Centennial Life Insurance Co., Ltd. in the third quarter of 2022, its core solvency adequacy ratio is 84.77% and its comprehensive solvency adequacy ratio is 65,438+024.50%. The comprehensive risk rating results of the last two times (1 quarter and the second quarter of 2022) are all C-level.
Among them, the comprehensive rating result of Centennial Life Insurance is Grade C, which is mainly due to corporate governance in terms of operational risks, but consumers' insurance policies will not be affected. In addition, Centennial Life is actively promoting the rectification of corporate governance-related issues in accordance with regulatory requirements. In the third quarter of 2022, Centennial Life allocated funds as needed to meet the daily operation needs of the company and maintain sufficient liquidity of investment assets. Generally speaking, the liquidity risk of the company is controllable, so you can rest assured.
If there are still friends who are worried that their insurance policies will be affected, you can look at what the experts say: the insurance company is bankrupt, what should I do with the insurance I bought?
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