So don't worry too much.
1. Insurance companies are not easy to fail.
First of all, the conditions for establishing an insurance company should be clarified: the registered capital should not be less than 200 million yuan; Shareholders have a good reputation and a clean industry background; There should be a strict management machine. Obviously, not all companies can be insurance companies; So under such strict conditions, it is not easy to fail.
Secondly, the CBRC has very strict supervision over insurance companies. As a national department, CBRC is authoritative; It always supervises the solvency and claims of insurance companies; Monthly review, quarterly review and annual review are all strictly supervised.
There are still many small partners who are worried about claims, but don't worry, because as long as they sign an insurance contract, they will be protected by law. Don't worry about not being able to settle the claim. What we need to do is to read the insurance contract carefully; In order to let you better distinguish some pits in the insurance contract, I also sorted out some pits in this contract for you. Let's see: "An article! Teach you to identify those pits in the insurance contract! 》
To tell the truth, since the reform and opening up, there have been more than 60 insurance companies in our country, and no one has closed down during this period. If it is really poorly managed, insurance companies related to their own policies will soon face bankruptcy. Don't worry too much. Government departments will take over this matter: our policies will be transferred to other companies willing to accept mergers and acquisitions; If there is no insurance company to take over, the state will also force insurance companies with strong state assets to take over. Even in this extreme situation; We can still enjoy all the insurance we bought, so don't worry too much. Insurance companies have thousands of customers, which also plays a great role in social stability. They are even stronger than banks, so it is difficult to fail. The key is that the state will not close down for you, even if you do not manage well, you will be merged by other insurance companies, so that the interests of customers will not be lost.