Today, Senior Sister will take a closer look at United Life Insurance Company to see if this insurance company is good! Interested friends don't go away!
Before you start the analysis, you may want to know from what aspects to examine insurance companies:
"What should we pay attention to when we pay attention to insurance companies? 》
1. What are the advantages of United Life?
Let me tell you first that all the insurance companies that can be established in China are credible, all managed by the China Banking Regulatory Commission, and so is United Life.
Although my senior sister said so, some friends are worried that the company's solvency is not enough to take responsibility.
Then senior sister will analyze Union Life and see how strong the company is.
1. shows economic strength
Union Life Insurance Co., Ltd., also known as Union Life Insurance, was established in 2005 with a registered capital of 4.28 billion yuan.
Undeniably, it is now a national insurance company with nearly 654.38+million internal and external employees, 27 provincial branches and more than 600 branches, with total assets exceeding 654.38+billion yuan.
Hezhong Life Insurance has several companies, including Hezhong Property Insurance, Hezhong Assets, Hezhong Younian, Shi Sheng Hezhong and so on, so that customers can enjoy more comprehensive services including insurance, asset management and pension.
In fact, in general, Hezhong Life Insurance Company is very strong, with a large scale and strong economic strength!
2. Show solvency
To put it bluntly, solvency depends on whether the 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..
According to the solvency report of He Zhong Life Insurance Co., Ltd. in the third quarter of 2022, by the end of the third quarter of 2022, the core solvency adequacy ratio of He Zhong Life Insurance was 69.27%, and the comprehensive solvency adequacy ratio was 65,438+038.53%. The comprehensive risk ratings in the first and second quarters of 2022 were all Class C.
As can be seen from the above two aspects, He Zhong Life Insurance Company is a very trustworthy insurance company with great background and strength.
However, the company background is not what we as consumers must value. After all, we buy products, so the quality of insurance company products is the most concerned place.
So, is it really cost-effective to buy the products of Sunshine Insurance Company? Let's have a look!
2. Are the products of United Life Insurance worth buying?
Take the ace product of United Life Insurance-Love Health 202 1 Critical Illness Insurance as an example to study its performance.
Go directly to the picture, please see the product protection picture:
As can be seen from the figure, the protection content of this Hezhong Ai Health 202 1 critical illness insurance needs to be improved.
Before it's too late, I'll tell you what to pay attention to in this product.
1. Lack of TCM protection
Disease is a gradual process from mild disease to moderate disease and then to severe disease. As long as it can be treated in time, we can prevent minor diseases from deteriorating into serious diseases.
Unfortunately, we can't expect the treatment of TCM diseases to be very cheap, and the cost of several hundred thousand yuan is really beyond the reach of ordinary families.
Good critical illness insurance in the market can cover almost three kinds of diseases: mild, moderate and severe, so that the insured can devote himself to treatment without any worries.
He Zhong 'ai Health 202 1 is a new product just facing the society, and there is no basic guarantee for China people's diseases. This kind of protection is somewhat chilling.
2. Serious illness protection is not sincere
It is important to know that many critical illness insurances in the market will not only pay for multiple times, but also cover additional payments within the age of 60.
In the period of great economic pressure, before the age of 60, the extra compensation can make the insured feel that there is enough protection to guarantee the bottom.
Love health 202 1 security 100 kinds of serious diseases, and there are only 1 payment opportunities, and 100% basic insurance payment is unique.
If you buy 500,000 insurance coverage, others will lose 80% of the insurance coverage before the age of 60, and there will be 900,000, but this product can only lose 500,000.
Senior sister really can't compliment Xiehe Ai Health 202 1 on the critical illness protection.
3. No cancer is compensated for many times.
Cancer is like the biggest illness. Its claim rate is much higher than other diseases, about 70%, and the incidence of young people is getting higher and higher.
However, with the continuous improvement of medical level, the survival rate of cancer patients is getting higher and higher.
However, it should be noted that people who have suffered from cancer have a much higher risk of serious illness and recurrence than ordinary people, so it is not enough to protect the critical illness insurance for cancer claims only once.
In order to adapt to the current situation, most of the critical illness insurance has been set up, but love health 202 1 is still not available, which is too outdated!
Regarding He Zhongai Health 202 1 Critical illness insurance, the analysis came first. If you want to know more about this product, take a look at the evaluation article of the expert version:
Is "He Zhongai Health 202 1" worth buying? These major defects must be clearly seen before buying! 》
Third, the summary of the senior sister
The strength of Union Life Insurance Company is still there, but there are certain operational risks. In addition, its best-selling love health 202 1 critical illness insurance is very cost-effective, and it is not recommended for everyone to buy it.
In fact, in addition to this product, there are many excellent critical illness insurance products on the market, such as the following one:
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!