Since Taiping Life is so famous, is it reliable? Is its product that famous?
Senior, let me take you to know.
Before we begin, you can look at the following article to find out from what aspects to look at an insurance company:
"What should we pay attention to when we pay attention to insurance companies? 》
First, the background strength of Taiping Life Insurance is revealed!
1, Taiping Life is at the bottom!
China Taiping Insurance Group has several subsidiaries, including Taiping Life Insurance. China Taiping Insurance Group is a medium-sized financial enterprise headquartered in Hong Kong, which has been among the top 500 companies in the world for many years, with assets exceeding one trillion. In short, as the "backstage" of Taiping Life Insurance, China Taiping Insurance Group really belongs to a proper "big brother" status in the same industry.
{A brief introduction to China Taiping Insurance, {How about Taiping Life Insurance-16}
200 1, 1 1, Taiping Life officially resumed its domestic business. Its headquarters is located in Shanghai Pilot Free Trade Zone. By the end of 20021,the registered capital was as high as 1003 billion yuan, the total assets exceeded 830 billion yuan, and it served no less than 63 million customers.
In addition, Fitch International rated the financial strength of Taiping Life Insurance as A+ in 2022, which is the seventh year that Taiping Life Insurance won this honor.
I have to say that Taiping Life has its own uniqueness. The insurance companies that can achieve the above results are all awesome.
2. Is Taiping Life Reliable?
After years of efforts, Taiping Life Insurance is an insurance company approved by China Banking and Insurance Regulatory Commission. It must be trustworthy, otherwise it won't have such a good reputation in China.
We should know that the CBRC, as the regulatory body of all insurance companies, is not a vegetarian. At the same time, he adopts quarterly review, semi-annual review and annual review, and in order to promote them, he also publishes their complaint data from time to time.
How many insurance companies in China Banking and Insurance Regulatory Commission, China don't pay for risks?
Moreover, even if the insurance company goes bankrupt, everyone's policies should not be greatly affected, because the CBRC has taken measures such as capital increase and takeover to save it. The former China United Insurance is a very classic example.
From here, you can draw a conclusion that no matter how big or small the insurance company is, there is no need to be afraid of the CBRC.
Since you don't have to pay attention to the size of insurance companies, should you choose a big company or a small company when you apply for insurance? Interested people can look at the following full dry goods:
Is it better for a big company or a small company to buy insurance? 》
3. Did Taiping Life's claim pass?
Knowing the above, I believe everyone already knows that there is no need to worry about the bankruptcy of insurance companies. However, it should be mentioned that although there is no need to worry about whether the claim will be affected by the operating conditions of the insurance company, the process of claim settlement is still relatively complicated.
Therefore, the solvency of insurance companies is not up to standard, which is a problem worthy of attention. There is a simple reason. If they have a lot of money, they will be much happier when they claim for compensation. They can't ruin their reputation for many years because they are stingy.
The solvency of insurance companies mainly depends on these three indicators, that is, the comprehensive solvency is not less than 100% and the core solvency is not less than 50%. The other is that the comprehensive risk rating must reach at least Grade B. ..
Insurance companies that can meet the above three indicators also mean that their solvency is up to standard. Is Taiping Life's solvency high or low?
In addition to checking its solvency, you should also take a good look at the amount of claims disputes complained by insurance companies, because the latter can better reflect the experience brought by claims services to customers. If the insurance company has many claims disputes, the claims service is somewhat poor.
Second, are Taiping Life's products really as good as rumors?
1. What is the characteristic insurance of Taiping Life Insurance?
As the saying goes, "Doing more is better than doing well". Although most insurance companies are quite rich in types of insurance, in order to gain an advantage in the market competition, they will first determine one or two types of insurance, and then invest high fees, which is the so-called characteristic insurance.
For example, Zhongan's million medical insurance is quite famous in the industry. When it comes to auto insurance, the first thing that comes to mind is sunshine insurance.
Annuity insurance can be said to be one of the main types of insurance for Taiping Life Insurance. In order to gain more market share, they upgrade their annuity insurance products every year. For example, they can increase the proportion of receiving annuities and enhance the profitability of products.
Even considering the growing demand of consumers, a series of additional value-added services will be added. Among them, many are impressive. Many pension annuity insurances of Taiping Life Insurance will be connected with community services for the aged to improve the quality of life of customers in their later years.
2, a small coup that must be known before buying insurance!
I believe that friends should have a preliminary understanding of Taiping Life Insurance now, and there is also a saying that "one truth makes sense". When observing other insurance companies, you can also refer to the analysis ideas in this article, and then make a more sound and perfect analysis.
However, senior sister wants to remind you that understanding insurance companies is only the first step to equip insurance, and more importantly, it is implemented in specific products.
Generally speaking, Taiping Life is very strong and can be insured with confidence. But if you want to buy the right insurance, you have to learn to avoid the pit! Remember to look at this pit prevention guide:
Before buying insurance, you must first understand these key knowledge points! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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