"Two investigations" refers to underwriting and claim settlement, that is, reviewing the insured's situation before underwriting and investigating the insured's insurance situation when making claims. As for ranking, there is generally a standard for internal assessment or evaluation of companies, which has no effect in the entire insurance industry. For example, Ping An Life Insurance Company of China's dual-core ranks high, but it is useless to go to China Life Insurance, and the evaluation criteria of each company are different.