Therefore, a friend who is reading this article by Senior Sister suggests that the practice of buying insurance should be corrected from now on. It is important to consider whether the terms of the products meet your own needs, but it is not so critical to see whether insurance companies can, such as Everbright Life Insurance Company and AIA Life Insurance Company, and how to buy insurance is trustworthy.
I. Everbright Life Insurance Company
Everbright Life Insurance Co., Ltd. was formally established in April 2002 with a registered capital of 5.4 billion yuan. The existing shareholders include China Everbright Group Corporation (50%), Canadian Yongming Life Insurance Company (24.99%), Zhong Bing Investment Management Co., Ltd. (12.505%) and Angang Group Co., Ltd. (12.500%).
In 20021year, the life insurance business income of Everbright Life Insurance increased by 7. 1 1% year-on-year, the original insurance premium income increased by 4.58% year-on-year, and the net profit increased by 29.84% year-on-year. Moreover, the company has done a good job in risk prevention and control, and its comprehensive risk rating has remained "A" for six consecutive quarters.
In terms of solvency, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Everbright Life Insurance Company in the first quarter of 2022 were 1 14.95% and 179.0 1% respectively, and the latest comprehensive risk rating was Class A. ..
With regard to the background analysis of Everbright Life Insurance Company, Senior Sister ends here. If a friend wants to know more, please read this article:
The latest strength of "Everbright Yongming Insurance Company" is exposed. Is the product worth insuring? 》
Second, AIA Life Insurance Company
You have heard of AIA Life Insurance Company Limited, which is a wholly-owned life insurance subsidiary of AIA. Its main business scope is AIA's life insurance business in Chinese mainland.
The parent company AIA successfully established a branch in Shanghai on 1992. In fact, this company is one of the first non-local insurance institutions to obtain the business license of personal life insurance after the reform and opening up, and it is also the first insurance company to introduce the insurance salesman system into China. And from June 2020, AIA Shanghai Branch will be transformed into AIA Life Insurance Co., Ltd. after AIA is approved. Date: In July 2020, AIA Life officially became the first wholly foreign-owned life insurance company in China.
AIA Life Insurance Company has a professional and independent team of insurance salesmen, providing customers with life insurance, health insurance, accident insurance and other life insurance services through diversified sales channels.
In terms of solvency, in the first quarter of 2022, the company's core solvency adequacy ratio was 233.98%, the comprehensive solvency adequacy ratio was 389.82%, and the latest comprehensive risk rating was A-level.
Because AIA Life's company introduction covers a wide range, Senior Sister has compiled this article for everyone, so you can check it out:
How about AIA? Is its product worth buying? 》
3. Everbright Life Insurance pk AIA Life Insurance, who is the real winner!
As can be seen from the above explanation, Everbright Life Insurance Company was established later than AIA Life Insurance Company. Only from the company's position and reputation, the two insurance companies are comparable, while Everbright Life Insurance Company and AIA Life Insurance Company have similarities, both related to foreign capital, but AIA Life Insurance Company is called the first wholly foreign-owned insurance company in China.
Related to foreign investment. According to the standards of the CBRC, we can know that the core solvency adequacy ratio is greater than or equal to 50%, the comprehensive solvency adequacy ratio is greater than or equal to 100%, and the comprehensive risk rating is Grade B and above. If the above three thresholds are met, it is an insurance company with acceptable solvency.
From the last article, we can see that the solvency indicators of Everbright Life Insurance Company and AIA Life Insurance Company meet the requirements of the CBRC, so we don't have to worry about claims.
After understanding the company background and solvency PK, I am afraid that insurance products are the most worthy of consideration. According to the advantages of the two insurance companies, we take the popular annuity insurance as an example to find out which annuity insurance product is more popular.
1, Everbright Life Insurance Company: Guangming Huixuan A Pension Annuity Insurance (Internet exclusive)
As can be seen from the product diagram, Guangming Huixuan A pension annuity insurance (Internet exclusive) is a life-long pension annuity insurance, which can provide insurance opportunities for people born 30 days to 69 years old.
Secondly, in terms of payment period, for Guangming Huixuan A pension annuity insurance (Internet-specific), there are two payment methods, namely, batch payment and annual payment. The annual payment includes six ways: 3 years /5 years/10 years/15 years /20 years /30 years, which greatly increases its flexibility.
I don't know if you can find out that in the pension annuity of Guangming Huixuan A Pension Insurance (online exclusive), the basic insurance amount will increase every year, which indicates that the pension annuity we can receive in the future will increase every year. This wave of operation is really awesome!
Of course, the advantages of Guangming Huixuan A pension annuity insurance (exclusive to the Internet) are not limited to the above. Want to know more friends can open this article:
Pay attention to these points before handling the old-age annuity insurance of Everbright Yongming Guangming Huixuan (A)! 》
2. AIA Life Insurance Company: AIA Free Annuity Insurance.
As can be seen from the figure, AIA Premium Annuity Insurance is actually a term annuity insurance, which mainly includes 15 and 20 years. At present, the payment period provided is wholesale, 3 years /6 years/10 years/15 years. You'd better refer to your budget choice.
In terms of insurance age, if you compare Guangming Huixuan A pension annuity insurance (online exclusive), the insurance age range of friends of AIA is 35-70 years old, that is to say, if some friends are not 35 years old, they are not eligible to buy this product.
From the above factors, it can be seen that both Everbright Life Insurance and AIA Life Insurance have launched their own superior insurance types. Senior sister suggested that it is more appropriate to shop around and buy again.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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