Senior sister will give you a good answer to these two questions today
Before the article begins, senior sister gives you a big gift package-insurance purchase guide:
Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.
1. Is a well-off life trustworthy?
The following are the core competence, solvency adequacy ratio and comprehensive competence adequacy ratio of Xiaokang Life in the fourth quarter of 2022:
Sino-French Life Insurance, the predecessor of Xiaokang Life Insurance, was established at the end of 2005 and is headquartered in Beijing. It was established by China State Post Bureau and French National Life Insurance Company respectively, with each party holding 50% of the shares.
By the third quarter of 2020, the income of Sino-French life insurance business is zero, the net profit is-12 174400 yuan, and the comprehensive solvency adequacy ratio is -24408.67%.
In order to solve the company's difficulties, China-France Life announced the capital increase on 201,20 17 and 20 17 respectively, but none of them landed.
Until June, 5438+February, 2020, China Banking and Insurance Regulatory Commission finally approved China-France Life's request for increasing registered capital and equity transfer.
After increasing the registered capital and equity transfer, France National Life Insurance and Beijing Renji Jiuding Asset Management Co., Ltd. withdrew from China-France Life Insurance, and three new shareholders, Contemporary Ampere Technology Co., Ltd., Qingshan Holdings and Guizhou Guihang Automobile Sales, became shareholders.
The registered capital of the company increased from 200 million yuan to 3 billion yuan.
According to the data of Xiaokang Life Insurance, the core solvency adequacy ratio and comprehensive solvency adequacy ratio in the second quarter were 6687.438+04%.
Although it is not small compared with 29893.6438+09% in the first quarter, it still maintains a high level in the insurance industry in terms of solvency alone.
Judging from the solvency report of Xiaokang Life in the second quarter, the net profit of Xiaokang Life in the second quarter of this year was 440,654,38+0,000 yuan.
But in a word, the profitability of Xiaokang Life has yet to be tested. However, seniors are very confident in this "resurrected" insurance company ~
Second, what should I pay attention to when insuring the products of Xiaokang Life Insurance?
1. Buy insurance according to your own needs.
Make proper arrangements according to your own needs, and never follow blindly. This is also the most taboo point to buy insurance!
First, choose personal health insurance, such as medical insurance and critical illness insurance. If you have enough money in hand before, you will continue to provide accident insurance and financial management.
For life insurance, unless it is the backbone of the family economy, you need to buy life insurance.
Why is this? The following are the reasons why the financial pillar compiled by Senior Sister must buy life insurance:
What is term life insurance? Who is suitable for buying? Everything you want to know is here! 》
After all, life insurance is mainly to prevent the risk of premature death of family breadwinners.
If old people and children buy life insurance, there is no need to say it!
2. Real health notification
If you know what you need, such as buying critical illness insurance, then the next content is the most important link when buying insurance!
For example, the insurance you have decided to buy is critical illness insurance, but after purchasing critical illness insurance, the insurance company will generally inform you of your health status.
Many people don't know the importance of telling the truth to health.
Buy critical illness insurance, health advice must tell the truth!
The serious consequence of false notification is that at the moment of settlement, the insurance company will refuse to settle the claim or the insured will bear the corresponding legal proceedings.
To this end, there are some tips on health notification, which Senior Sister compiled and put in the following highlights:
What are the tips for health notification when applying for insurance? 》
3. Keep the insurance policy properly after insurance.
After insurance, you will have an insurance policy. Although some people have few policies, with the growth of age, there will be more and more policies, which is very important for policy management!
It should be understood that if a claim occurs after purchasing insurance, it is not the money that the insurance company takes the initiative to pay us, but the insurance company can file an investigation first. At this time, it is time for the policy to play its role.
According to the contents of the insurance policy, you can know the types of insurance and then apply for compensation.
These are all things you should pay attention to when buying products under the banner of well-off life. Have you all learned?
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!