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Is Ying Da Taihe Life Insurance Reliable?
Reliable. Before talking about insurance companies, let's first meet a big boss-China Banking Regulatory Commission. The CBRC requires every insurance company to operate under the supervision mechanism, not only that, but also to hand over a qualified answer sheet. Let's just list a few.
1. solvency supervision
The CBRC requires insurance companies to disclose three key indicators every quarter: core solvency, comprehensive solvency and risk rating.
As long as one of the three indicators does not meet, it belongs to a company whose solvency is not up to standard. Will face very severe rectification measures, including but not limited to ordering to adjust the business structure, limiting all kinds of fees, stopping all new businesses, stopping opening branches, and asking Baosi to increase capital.
2. Responsibility reserve system
Article 98 of the Insurance Law stipulates that an insurance company shall withdraw various liability reserves in accordance with the principle of safeguarding the interests and solvency of the insured.
Insurance companies are companies that manage risks, and every premium is a future liability. Liability reserve is the money reserved in advance by insurance companies for future claims or surrender to customers.
3. Margin system
Article 97 of the Insurance Law stipulates that an insurance company shall withdraw 20% of its registered capital and deposit it in a bank designated by the regulatory authorities in the State Council, which shall not be used for other purposes except for repayment of debts when the company is liquidated.
Therefore, under such strict requirements, insurance companies are really not so easy to fail. Even if the insurer goes bankrupt, the CBRC still has more than 160 insurance companies, and the protection for the insured will not be lost.
In addition, Article 85 of the Insurance Law states: "An insurance company engaged in life insurance business shall not be dissolved except for division or merger."
This means that insurance companies can't close down if they want to, and the interests of policyholders will not be allowed to be damaged.
As long as you tell your health status truthfully and meet the insurance liability, you will certainly be able to pay _ _
Therefore, for the same premium, it is not fragrant to buy insurance products with higher coverage, more compensation, higher proportion of compensation and more comprehensive protection.