What should the insured do if the life insurance company goes bankrupt?

First of all, even if the life insurance company goes bankrupt, the policy held by the insured will not be affected, but the insured insurance company may be replaced by other insurance companies; However, the protection content signed on the policy is still valid, so don't worry.

In order to make it easier and clearer for everyone to understand, the next sister will talk about the relevant content around the insurance company.

Before we begin, if you have any questions about insurance, please read this article: Overfull! Everything you want to know about insurance is here.

Generally speaking, it is very difficult to set up a life insurance company. Because this life insurance company needs to meet more than money, for example, the registered capital is at least 200 million yuan, and the requirement is paid-in capital; There must be professionals.

Secondly, the supervision of life insurance companies by CBRC and other relevant departments is not generally strict, or even extremely strict.

As far as the solvency of insurance companies is concerned, the solvency of each insurance company should at least meet the requirements of "the core solvency adequacy ratio is not less than 50%, the comprehensive solvency adequacy ratio is not less than 100%, and the latest comprehensive risk rating is Class B and above." Such conditions are qualified.

In addition, relevant departments have also formulated a series of safeguard mechanisms, such as liability reserve and risk re-guarantee system. Moreover, even if the above-mentioned layers of protective covers are broken, the insurance company will not declare bankruptcy at will, and can only apply after obtaining the consent of the CBRC.

Therefore, even if life insurance companies face the end of bankruptcy, everyone need not be overly alarmed!

Due to space reasons, there are many details about the collapse of insurance companies. Interested friends can poke this:

The insurance company went bankrupt. What about the insurance I bought?

In fact, it is normal for insurance companies to go bankrupt, so there is no need to panic too much; As long as you take care of your insurance policy, the rest should eat and sleep.

Because even if the insurance company really goes bankrupt, everyone's policies will either be taken over by other insurance companies designated by the CBRC or a new insurance company will be established; In short, everyone's insurance policy will not be affected by factors such as the bankruptcy of insurance companies.

At the end of the article, for those who don't know how to choose the insurance company that suits them, you can click this:

What should we look at when we look at insurance companies?

Hope to adopt

The same number on the whole network: Xueba said insurance, welcome to search!