What are the grades of insurance companies?

Insurance companies can be divided into two types according to the region where they are registered: provincial branches are secondary institutions, prefecture-level companies, namely central branches, are tertiary institutions, and county-level companies are tertiary institutions. Among them, the four-level institutions will be divided into branches and marketing service departments according to their business.

If departments are divided according to functions, because the basic functions of insurance companies are underwriting, underwriting, claims settlement and loss prevention, the business departments of insurance companies are usually divided according to such categories.

When buying insurance, many friends want to know what the insurance company is like. In order to make it easier for everyone to know more about an insurance company, Senior Sister summarized and analyzed this article. You can have a look: What do we want to see when we look at insurance companies?

When understanding all aspects of insurance companies, solvency is more meaningful. Solvency is an important indicator that can reflect the financial stability of insurance companies and judge whether insurance companies have the ability to repay debts. Is the insurance company's core solvency sufficient? 50%, comprehensive solvency adequacy ratio? 100%, with a comprehensive risk rating of Grade B or above, which is up to the standard, indicating that the insurance company has the ability to make claims.

But some friends may worry that even if the insurance company has the ability to claim compensation, it will make unreasonable refusal, so we should not be afraid. As consumers, we can complain to the headquarters of insurance companies and local insurance regulatory authorities to safeguard our rights and interests. Here, the senior will teach you how to defend your rights when you encounter unreasonable rejection: if you encounter unreasonable rejection, you can take it like this!

If you want to buy insurance, it is one-sided to see the insurance company. The key to buying insurance is to analyze the products in detail, and make clear the insurance requirements, protection contents, claims conditions and so on. And judge whether the product is really suitable for you according to your own security needs and economic conditions. There are many considerations in the process of buying insurance. Senior sister summed up this insurance guide, hoping to help you: which insurance is good, how to buy it cost-effectively, and teach you by hand.

Hope to adopt

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