China Life Insurance, China Ping An, Pacific Ocean and other established companies are almost household names. Few people have heard of Qianhai Life Insurance, so some people will question the company's regularity and product quality. Here is an article with a thorough analysis, which I recommend to you: How is China Pacific Life? Do you have any insurance recommendations?
You will know after reading the following content ~
1. Company size
20 12, qianhai life insurance was formally established in Shenzhen. Although it is not well-known among domestic insurance companies, it is well-funded, with a registered capital of 8.5 billion, ranking 130 in the "20 17 list of top 500 service enterprises in China", and its overall ability is worthy of recognition!
2. Solvency
Generally speaking, there are two hard indicators for the CIRC to assess the solvency of insurance companies, namely, the core solvency adequacy ratio is higher than 50% and the comprehensive solvency ratio is higher than 100%. The core solvency adequacy ratio of Qianhai Life Insurance in 20 19 was 72.08%, the comprehensive solvency adequacy ratio was 144. 15%, and the comprehensive risk level was Grade B, which still exceeded the standard line on the whole.
The following is the latest solvency ranking of insurance companies for your reference: the latest ranking! Top Ten Insurance Companies in China
3. Use evaluation
The CIRC will inspect all business processes of insurance companies, such as sales, underwriting, preservation, claims settlement, consultation, return visits and complaints, and make an overall evaluation of the service status of insurance institutions. What is the service rating standard? It is divided into four categories: A, B, C and D *** 10. Qianhai Life Insurance is Grade B, and the service quality is OK.
4. Product introduction
From the following table, we can clearly see several main products of Qianhai Life Insurance:
Let's take a look at this life-saving critical illness insurance product that sells well in its home:
The advantages are mainly:
1, the guarantee is not bad: it includes serious illness, minor illness and death protection, and the maximum compensation for minor illness is 5 times.
Let's talk about shortcomings first:
1. Insufficient deductible for mild illness: after suffering from mild illness, you still need to pay the premium, and there is no deductible.
2. The proportion of minor illness compensation is relatively low: generally speaking, the proportion of minor illness compensation in the market is 25%-30%, and this compensation is 20%, which is slightly lower.
There are still some shortcomings, so I won't say more. I have arranged everything you want to know in this article: