Before analyzing it for you, senior, you might as well know about it first and see what standards the insurance company has:
"What should we pay attention to when we pay attention to insurance companies? 》
First, Xinhua Life Insurance and Everbright Yongming are powerful!
1. Company strength competition
New china life insurance co Co., Ltd. (hereinafter referred to as Xinhua Life Insurance) was established in September, 1996. It is a large life insurance company headquartered in Beijing.
In 2020, Xinhua Life achieved a total premium income of1595.10/billion yuan, an operating income of 206.538 billion yuan and total assets of 1004376 billion yuan, ranking among the Fortune China and Forbes Double 500 companies for many years.
Xinhua Life Insurance has established a nationwide sales network with 36,309 back-office employees and 606,000 salesmen, providing comprehensive life insurance products and services to 33.205 million individual customers and 88,000 institutional customers.
Everbright Life Insurance Co., Ltd., referred to as "Everbright Life Insurance", was established in 2002 with a registered capital of 5.4 billion yuan.
After more than ten years' development, Everbright Life Insurance has opened 24 provincial branches nationwide, covering 80% of the population. The company has established a management team of more than 200 people and a marketing team of more than 3,000 people.
From May 20 19, Everbright Life Insurance officially became the chief partner of China Badminton Association and the chief sponsor of China National Badminton Team, and started a new journey of brand development with its strength.
Generally speaking, both Xinhua Life Insurance and China Everbright are very strong. Xinhua Life Insurance is an old insurance company in China with good capital and scale.
2. Solvency competition
The ability to pay refers to whether the insurance company can afford the insurance amount agreed in the contract.
Only when the following three conditions are met at the same time can solvency be considered qualified:
The core solvency adequacy ratio is above 50%;
The comprehensive solvency adequacy ratio is above 100%;
The comprehensive risk rating is above Grade B..
According to the information disclosure reports of 202 1 two companies, the latest risk ratings of Xinhua Life Insurance and Everbright Yongming are both A.
Dear friends, let's take a look at the compensation capacity data of the two companies.
Solvency information of New China Life in the third quarter of 2022:
Solvency information of Everbright in the third quarter of 2022:
From the above picture, the solvency of Everbright Life is lower than that of Xinhua Life Insurance.
However, both of them far exceed the passing level in the proportion of compensation, so there is no need to worry about the problem of unaffordable compensation.
The senior just chose two commonly used standards to compare Xinhua Life Insurance and Everbright Life Insurance. Due to the limited space, if you want to know more about Everbright Life Insurance, you may wish to see what the experts say:
The latest strength of "Everbright Yongming Insurance Company" is exposed, but unfortunately the products are full of loopholes! 》
After two rounds of competition, Everbright Yongming was slightly inferior. Is Everbright Yongming really completely crushed by Xinhua Life Insurance?
Don't jump to conclusions!
After all, the quality of insurance products is independent, and the strength of the company cannot represent the quality of products.
Second, the senior sister suggested
There is no evidence in your mouth. In order to draw a conclusion after comparison, Senior Sister has selected ten products with high cost performance for your own reference:
Ten cheap and excellent critical illness insurance inventory! 》
Generally speaking, although Xinhua Life Insurance and China Everbright have large scale and strong solvency, the performance of their flagship products is not outstanding.
Therefore, when buying insurance, it is not enough to know the insurance company, because the strength of the insurance company does not mean that its products are superior.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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