If you want to know how to treat an insurance company, you can read this article:
When we look at insurance companies, what should we look at?
I. Introduction of Everbright Life Insurance Company
April 2002 is the day when Everbright Life Insurance Co., Ltd. was established. Its registered capital is relatively high, with 5.4 billion, and its strength is very strong.
In addition, Everbright Life Insurance was jointly established by several companies.
The existing shareholders are 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. (12.505%).
When we pay attention to an insurance company, we can also understand its solvency.
First of all, we must know that the qualified indicators given by the CBRC are: the core solvency adequacy ratio reaches 50% and above; The comprehensive solvency adequacy ratio is above 100%; The comprehensive risk rating has reached Grade B or above.
In the solvency report of Everbright Life Insurance in the third quarter of 2022 (the latest one at present), it can be seen that the core solvency adequacy ratio is 100.88%, the comprehensive solvency adequacy ratio is 156.83%, and the comprehensive risk rating reaches A level. ..
That is, in terms of its solvency, Everbright Life Insurance is far above the standard line!
Two. Introduction of Fude Life Insurance Company
Fude Life Insurance Co., Ltd. was established very early. In 2002, the registered capital alone reached 65.438+065.438+75.2 million yuan.
Fude Sino-Life has 35 branches in China, with more than 1000 branches and service outlets.
Fude Sino Life is also a joint venture company. The existing shareholders are Shenzhen Fude Jin Rong Holdings Co., Ltd., Shenzhen Houde Financial Holdings Co., Ltd., Shenzhen National Investment Development Co., Ltd., Shenzhen Yingde Land Co., Ltd., Shenzhen Intercontinental Trade and Investment Co., Ltd. and Fude Insurance Holdings Co., Ltd.
Let's take a look at the solvency of Fude Life at this time ~
Fude Life Insurance is currently being taken over by the CBRC, so the solvency reports of these two years have not been disclosed.
Senior, not much to say here. If you want to know more about Fude Life Insurance, you can go to this article:
Is Fude Life Insurance Reliable? After stripping off its ace product, I know ... "
3. Everbright Life Insurance PK Fude Life Insurance, who is the real winner?
1, background contrast
Everbright Life Insurance and Fude Life Insurance are joint ventures. The difference is that the shareholders of Fude Life Insurance are all domestic companies, but the second largest shareholder of Everbright Life Insurance belongs to Canada's Yongming Life Insurance Company, which means that Everbright Life Insurance is actually a Sino-foreign joint venture insurance company.
2. Solvency comparison
In the above two parts, we know the solvency reports of these two insurance companies.
In fact, from the various indicators, Everbright Life's performance is indeed better, even better than the standard line.
However, Fude Life Life is still unknown, and even the comprehensive risk rating is unknown.
3. Comparison of superior insurance types
Since the development of Everbright Life Insurance, many products have been launched. Among them, whole life insurance 2022, Guangming Huixuan (a) old-age insurance and Guangming Guardian have a good reputation.
Fude Life Life also has many products, such as Health and Worry-Free Celebration Edition, Little Star Children's Critical Illness Insurance, Kangyi Life Insurance and so on.
Summary: On the whole, Everbright Life really wants to win a little, especially in the solvency sector, and its performance is still particularly good.
Finally, the senior still wants to say that when buying insurance, everyone must pay attention to the product and don't care too much about the insurance company.
If you are interested in Everbright Yongming, you can learn about its flagship product-Guangming Huixuan Pension Insurance:
"Guangming Huixuan pension annuity has a high income? The answer is in the text ... "
Write it at the end
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