Because many people don't know about Allianz Life Insurance and the strength of this insurance company, Senior Sister will give you a detailed evaluation today to help you better understand and know.
Generally speaking, if an insurance company is to be introduced, it can only be compared with another insurance company, which can often highlight the strength of one party.
Therefore, Senior Sister decided to compare Allianz Life Insurance with AIA Life Insurance. As for who has the advantage, let's witness it together!
Sino-German Allianz vs AIA Life Insurance, who is the head of a wholly-owned company ~ "
1. What are the strengths of Allianz Life?
For this topic, Senior Sister decided to mainly expound the strength and solvency of Allianz Life Insurance Company.
1. Company strength
Sino-German Allianz Life Insurance Co., Ltd. was formally established on1998165438+1October 25th, with its headquarters in Shanghai and registered capital of RMB 2 billion. In addition, it can be said to be the first wholly foreign-owned insurance holding company in China.
Although Sino-German Allianz Life Insurance is not well-known among domestic insurance companies, it is strong enough. We should know that the registration of an insurance company requires at least 200 million yuan of registered capital, and the actual payment is a hard requirement.
Therefore, from the above, we can get a glimpse of the clue that Sino-German Allianz Life still has strong strength.
2. Solvency
The Provisions on the Management of the Solvency of Insurance Companies stipulates that an insurance company needs to meet the following three regulatory requirements at the same time before it can be considered as a company with solvency standards:
The core solvency adequacy ratio is not less than 50%; The comprehensive solvency adequacy ratio is not less than100%; The comprehensive risk rating is above Grade B.. According to the solvency report of Sino-German Allianz Life Insurance in the second quarter of 20021,the core solvency adequacy ratio and comprehensive solvency adequacy ratio are both 184.94%, and the comprehensive risk rating is A, far exceeding the above three standards. It can be seen that Sino-German Allianz Life still has enough strength to pay for everyone's policy.
Second, is Allianz Aisheng 3.0 worth starting with?
At the beginning, my senior sister said that the name of the third generation product of whole life insurance's Zhenai Lifelong Series, a serious illness of Allianz in China and Germany, was Allianz Zhenai Lifelong Version 3.0. Let's get familiar with the product form diagram of Allianz Cherish Life Version 3.0, and perhaps we will have a deeper understanding:
After seeing this product form diagram, Allianz Cherish Life Version 3.0 has brought so many guarantees to consumers, and it is full of sincerity, which makes consumers feel: "This product has sufficient guarantees and should be worth buying!" But is the real situation the same as what you see?
Senior sister gives a suggestion to a friend. It's not too late to make a simple understanding of Allianz Cherish Life Version 3.0 through the following article, and then draw a conclusion:
"Want to start Allianz cherish life version 3.0? I advise you to think twice ... "
(A) Allianz cherishes the advantages of Lifetime Version 3.0
1. Basic guarantee completed
As shown in the figure, Allianz Treasure Life Version 3.0 provides 100 kinds of serious diseases, 30 kinds of secondary non-serious diseases and 10 kinds of primary non-serious diseases. In addition, it also includes the extra payment for specific serious diseases (such as severe malignant tumor, severe asthma and severe myocarditis) and the first payment for life dignity.
Obviously, the protection of Allianz Cherish Life Version 3.0 is still very comprehensive. After talking about the highlights of Allianz Aisheng 3.0, Senior Sister began to introduce its shortcomings. For those friends who have good expectations for Allianz Aisheng 3.0, Senior Sister thinks you'd better prepare yourself first!
(B) Allianz cherish life 3.0 version of the shortcomings
1. Less compensation for serious illness.
As can be seen from the figure, this Allianz Cherish Life Version 3.0 always has two protection plans. In the first plan, this version of Allianz Cherish Life 3.0' s critical illness insurance allows claims to be made for three times, and only100% of the insured amount is paid each time; In the second plan, this kind of Allianz Cherish Life version 3.0 critical illness insurance pays only 1 time, and no additional payment is set in either plan.
As far as my senior sister knows, most of the current mainstream critical illness insurance will set a certain percentage of extra compensation at a certain age. For example, Fosun and Ford Plus set the additional coverage for the insured who was diagnosed with serious illness for the first time before the age of 60 as 100%.
In such a contrast, it is not enough for Allianz to cherish the life version 3.0 to pay for serious illness.
After a simple evaluation, is Allianz Cherish Life Version 3.0 cost-effective? I don't think I need to elaborate.
From this, we should know what a good critical illness insurance should look like. You will know the answer from the following article ~
"Good critical illness insurance long like this! You have been cheated for so many years ... "
Write it at the end
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