First of all, the strength of prudential has ups and downs.
CITIC Prudential Life Insurance Company was established in 2000, which was jointly initiated by China CITIC Group and Prudential Group of the United Kingdom. Today, Xincheng Life Insurance is headquartered in Beijing, with a registered capital of 2.36 billion yuan. By the end of 20021,the company's total assets had exceeded184.2 billion yuan.
So far, the company has set up 23 branches in Guangdong, Beijing, Jiangsu, Shanghai, Hubei, Shandong and Zhejiang, and a * * * has set up more than 230 branches in 99 cities. CITIC Prudential Asset Management Co., Ltd., a wholly-owned subsidiary, was established in 2020, with comprehensive service, innovative development, stable operation and outstanding characteristics as the future enterprise development goals, and is committed to building a high-quality insurance asset management company.
These are just the data provided by prudential life insurance company itself. What is its comprehensive ability in the industry? Let's take a look at the latest insurance company rankings compiled by Senior Sister, and see if they are on the list:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is CITIC Prudential really reliable?
Many consumers are asking whether prudential life insurance company is reliable, perhaps because they are worried that after buying prudential products, the insurance company will refuse to pay claims or cannot pay claims.
Actually, senior wants to tell you, don't worry at all. Because the CBRC has strict supervision over insurance companies, insurance companies dare not do so even if they want to make claims. If an insurance company is facing bankruptcy or has gone bankrupt, the China Banking and Insurance Regulatory Commission will help you.
The insurance company has existed in name only, and the CBRC will directly transfer your policy to other insurance companies and continue to enjoy the due protection. Therefore, no matter whether the insurance company is big or small, as long as the CBRC exists, it will not lose a penny, so don't worry at all.
So is it really right to buy insurance and choose big companies and watch small companies stay away? The following popular science article will tell you the answer:
Is it better for a big company or a small company to buy insurance? 》
3. What is the solvency of CITIC Prudential?
Even with the supervision and management of the CBRC, we don't have to worry that no one will accept the bankruptcy of an insurance company, but we should pay attention to many problems in the process of claim settlement after an insurance accident. Just like the solvency and risk level of this insurance company! If the insurance company has good solvency, the probability of refusing to pay compensation in this case is not so great.
At the end of the first quarter of 2022, CITIC Prudential's core solvency adequacy ratio was 65,438+049.34%, and its comprehensive solvency adequacy ratio was 252.37%. In the last quarter, the comprehensive risk rating was ok, and the rating was A. ..
China Banking Regulatory Commission stipulates that the solvency of insurance companies is ≥50% for core solvency, ≥ 100% for comprehensive solvency, ≥ B for comprehensive risk rating, and CITIC Prudential. In this case, the solvency is qualified.
4. What insurance is CITIC Prudential worth buying?
Generally, every insurance company will use more manpower, material resources and financial resources to create insurance with main features. The flagship product of CITIC Prudential is whole life insurance. On whole life insurance, Prudential spent a lot of time.
The insurance threshold in whole life insurance is not very high, the investment is not high, and the income is high. If the insured, as the backbone of the family, dies unfortunately, his family will eventually get an insurance money to protect the basic needs of family life. Therefore, whole life insurance is the backbone of the family, and people should buy good insurance.
5. Revealing the products of Xincheng Company will definitely surprise your chin!
Prudential Life Insurance mainly deals with life insurance, sickness, medical care, accidents, financial management and other types of insurance, and the designed types of insurance are also relatively comprehensive. Its products are many. Today's life insurance includes the cornerstone of Hengli and sincere trust in the future. Sickness insurance includes Ankang and Bao Hui; However, accident insurance has no worries, and electronic travel.
So its popular products must be good? Not necessarily, in fact, there are many places to pay attention to. Senior made an evaluation of its popular products. If you want to know, please click on the link below:
"Prudential and reliable? I'm a little hesitant to finish these products ... "
6. Be sure to read the small pit prevention tips before buying.
To sum up, I believe everyone has understood how to judge what a company is like. However, it is not enough to pay attention to insurance companies when buying insurance. It is not easy to buy cost-effective insurance that suits you. Because different products will have different expenses, compensation and coverage, just like critical illness insurance, individual products only cover serious illness and death or total disability, but some light, moderate and severe diseases are fully covered, and compensation and value-added services are great.
Therefore, you must be cautious when buying insurance, have a clear understanding of the content of protection, and choose the products that suit you according to your own needs.
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!