Attached here is "You, your insurance company1-April premium ranking in 2020", which is convenient for everyone to see at a glance.
In addition to looking at the strength rankings, I will also look at how to judge an insurance company from the perspective of life insurance services:
What do we usually contact most? Medical insurance, critical illness insurance, term life insurance, accident insurance? Most of these four types of insurance are developed by life insurance companies.
Because there are many companies participating in the rating, in order to let everyone know more clearly, let's take a look at them from high to low:
1, Grade A insurance company?
There is no AAA level for the time being: at present, no insurance company has reached this best level, but it has also given insurance companies a hard target.
Three AA-level companies: apart from the familiar Taiping and Pacific, there are also unusual Bank of Communications Kanglian.
Four A-level companies: Evergrande Life Insurance and Bank of China Samsung, which are relatively unknown, were also selected successfully, with the same ratings as Taikang and Ping An.
As the best service score, A-level companies are not all common big companies, and there are some companies that are rarely heard of, which may be different from our impression.
In fact, some emerging companies may pay more attention to service experience in order to improve their reputation, so the level of service really can't just depend on the size of the company.
2. Class B insurance companies
According to the rating standard of bancassurance letter, Grade B is relatively good, and 44 companies were rated as Grade B on Monday.
3. Class C and D insurance companies
C and D are worse, and D is the worst, so which companies are there?
There are 10 companies rated as C, including relatively well-known companies such as Tongfang Global and China-US Metropolis, and D companies are temporarily excluded.
If you buy the products of these companies, you don't have to worry too much. After all, the ratings change every year. Maybe next year, the ratings of these companies will go up.
Service is a very subjective thing. The rating report of bancassurance letter gives us a reference standard for insurance company services.
But the service level is dynamic. Even if the rating is not high this year, it is possible to promote it next year through the efforts of insurance companies, so it does not mean that the products of this company cannot be bought.
I hope the above suggestions are helpful to you. Thank you.
Source: Dad's insurance knowledge class.