Is the insurance company safe?

The insurance company is safe. First of all, our mainland insurance companies have to go through the strict examination of the China Banking Regulatory Commission before they are established, and all of them are well-off companies that can be registered and established; Secondly, mainland insurance companies are still supervised by the CBRC, and solvency and other indicators must meet the standards set by the CBRC; Finally, we buy insurance from an insurance company, and the contract signed is legally binding. As long as we abide by the contract, we don't have to worry? Unsafe? . Even if an insurance company goes bankrupt due to poor management, our policy will be transferred to another insurance company, without worrying about the invalidation of the policy. Lots of friends, right? Insurance company? For some concerns, please read this article: What should we look at when we look at insurance companies?

However, as an important indicator to measure the comprehensive strength of insurance companies, you can refer to it. For example, Tongfang Global Life, in the fourth quarter of 2022, the company's core solvency adequacy ratio was 1 10%, and its comprehensive solvency adequacy ratio was 180%. In the first quarter of the same year, the comprehensive risk rating result was AA. These figures show that there is no problem in the preparation of Tongfang's global claims insurance, which not only meets the standards of the China Banking Regulatory Commission, but also reaches an excellent level in the Mainland. If friends want to know the solvency of various insurance companies, they may wish to go to this link: the solvency ranking list of the most comprehensive insurance companies in 2023!

Any friends interested in insurance companies? Is it safe? The main concern is that the insurance company refuses to pay compensation for no reason. From the previous content, we already know what kind of existence CBRC is for insurance companies, so insurance companies actually dare not violate the insurance law. However, everyone should pay attention to the fact that if you are in danger during the guarantee period, you must report the case to the insurance company and apply for a claim within the time limit agreed in the contract, otherwise the insurance company may not make a claim. In addition, when applying for claims, you should also prepare all the information. Space is limited. For more details about claims, please read this article: What are the correct postures for quick and good insurance claims? No compensation!

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