What's the difference between these two insurance companies? Which insurance company is better? Now let me analyze it for you!
First announced the background of peace in China!
Established in 2002, China Ping An is an extremely important member of China Ping An Insurance (Group) Co., Ltd. With the support of governments at all levels, regulatory authorities, customers and all walks of life, it has grown into one of the three comprehensive financial groups in China.
In 20021year, it has been ranked 16 in the Fortune Global 500 list, and the second in the global financial enterprises; Based on Forbes 202 1, it ranks sixth among the top 2000 global enterprises.
Let's take a look at China Ping An's wealth ability. Solvency index is very important, which can show whether the insurance company has the ability to pay the insured amount agreed in the contract.
The regulations of CBRC on the solvency of insurance companies are: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B. Only when the above three requirements are met at the same time can the solvency of insurance companies be considered as qualified.
According to the solvency report of China Ping An Insurance Company in the first quarter of 2022, the core solvency adequacy ratio is 142.48%, the comprehensive solvency adequacy ratio is 25 1.27%, and the comprehensive risk rating is Grade B. Therefore, the solvency of China Ping An Insurance Company is excellent.
Senior also specially studied China Ping 'an before. Interested friends can learn more about it:
How about China Ping An Life Insurance Company of China Insurance Company? What products are there? Which ones are good? What problems are worthy of in-depth analysis? 》
Second, the strength of China Life Insurance Company has greatly improved!
China Life Insurance Company is a state-owned super-large financial and insurance enterprise company, headquartered in Beijing, and is one of the top 500 enterprises in the world. The company's predecessor was the former China People's Insurance Company, which was established in 1949. 1996 was divided into PICC life insurance co., ltd, and 1999 was renamed as China life insurance company.
China Life Insurance Company can be regarded as a leading enterprise in the insurance industry. In 2002 1 year, its consolidated operating income exceeded1trillion yuan, its consolidated total assets exceeded 5.7 trillion yuan, and its consolidated management of third-party assets exceeded 2 trillion yuan. Its strength background is second to none in China.
China Life's core solvency adequacy ratio in the latest quarter was 176.39%, its comprehensive solvency adequacy ratio was 247.60%, and its comprehensive risk rating was A.
If a small partner wants to know more about China Life, you can read this article:
How about China Life? What products are there? 》
3. Which is better, China Ping An or China Life Insurance?
Next, Senior Sister put China Ping An and China Life Insurance together to compare and see which company is stronger!
1, background contrast
According to the introduction of the above insurance companies, China Ping An and China Life Insurance are both well-known insurance companies in China, and their strength is worthy of our affirmation.
Moreover, the state has strict supervision over insurance companies. The China Banking Regulatory Commission will conduct quarterly, semi-annual and annual audits of insurance companies, and keep an eye on them every day. But also from time to time announced the wave of complaints from various insurance companies. If the insurance company has any problems, the China Banking and Insurance Regulatory Commission will definitely make a decision for us.
2. Comparison of solvency
According to the solvency situation, we can also clearly know that the solvency of China Ping An and China Life Insurance is much higher than the qualified line, and both companies have sufficient payment strength.
3, popular products PK!
China Life Insurance Company and China Ping An Insurance Company have a wide range of business, covering serious illness, accident, medical care, life insurance, pension and other products. Next, let's compare their best-selling annuity insurance and see which one is more suitable for us ~
As shown in the figure, the product comparison between China Life Insurance and China Ping An Insurance Company refers to the comparison between Golden Life Pension Insurance (Collector's Edition) and Ping An Jucaibao Pension Insurance. The assessment results are as follows:
From the insurance conditions, Golden Life Pension Insurance (Collector's Edition) supports people born between 28 days and 75 years old, while Ping An Jucaibao Pension Insurance can cover people born between 28 days and 80 years old. After comparison, it can be seen that the latter's insurance age range will be larger.
In addition, the protection content of these two products is relatively simple, mainly divided into two parts, including endowment insurance and death insurance, and both provide annual and monthly pension collection methods.
Seeing this, I want to know more about the golden life pension insurance (collector's edition). Please take a good look at this evaluation article written by senior sister:
Is China Life Golden Life Pension Insurance (Collector's Edition) Worth Starting? An analysis! 》
In addition, both products have provisions on the age of receiving pensions. The starting time of men and women is different, but the setting of the starting time can meet the demand and can correspond to the retirement age. However, compared with some old-age insurance that can choose multiple starting times, the way to choose the starting time for these two products is relatively simple.
Through the above summary, I believe that everyone has a better understanding of these two products, and the final performance results are still relatively general.
To sum up, China Ping An and China Life are both trustworthy insurance companies, and their insurance products are reliable. However, it is best to analyze specific products and judge which product is more suitable for you according to your own needs and economic situation.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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