In fact, Ying Da Insurance has done a good job in the quality of claims and the export of insurance products.
Senior sister will give you a detailed evaluation today to help you better understand and know Lian Life Insurance.
1. What is the strength of Ying Da insurance company?
Ying Da Taihe Life Insurance Co., Ltd., referred to as Ying Da Life Insurance for short, is a national insurance enterprise established in accordance with relevant national laws and regulations and relevant insurance regulatory policies. In July, 2007, Ying Da Life was founded by 30 large state-owned enterprises including State Grid Corporation, with its headquarters in Beijing.
According to the data at the end of 20021and 12, the original insurance premium income was176.92 million yuan, and the total assets were 67.56 billion yuan. There are branches in 20 provinces in China, with 98 central branches and 347 branches, and the total number of back-office employees and insurance salesmen reaches 38 1 10,000.
It can be seen that Ying Da Life has a strong background and a certain scale. As can be seen from these data, the strength of Ying Da Life should not be underestimated. So what are the insurance companies with premium income in the industry? Do you have Ying Da life insurance? Interested parties can take a look at this article:
"Just out of the oven! Top Ten Insurance Companies' Premium Income Ranking in 2023
Second, is Ying Da insurance really reliable?
Ying Da Life does have great strength, while Ying Da Life is still trustworthy. However, there will inevitably be some concerns. Will the insurance company not pay the claim? Or the insurance company goes bankrupt, what about buying the products of this insurance company?
This is not a problem, don't worry, at least the CBRC is at the bottom. Every year, insurance companies publish annual reports, from which some data of insurance companies can be learned. If there is a problem with the insurance company, the CBRC will control it as soon as possible. If one day the insurance company faces bankruptcy, the policy you purchased can be transferred to other insurance companies normally, without affecting your protection, and you can also provide claims service normally.
So don't worry about a series of problems such as insurance companies not paying claims or going bankrupt.
3. What is the solvency of Ying Da insurance?
Not only should we know whether the insurance company is reliable, but also some people are directly concerned about whether the insurance company can afford it. Because the later period is related to the success of claims, the speed of claims and the amount of claims. If you want to get the due claims smoothly, it mainly depends on the solvency of the insurance company.
According to the specific provisions of the CBRC, the solvency of insurance companies should meet the following standards:
The core solvency adequacy ratio is not less than 50%;
The comprehensive solvency adequacy ratio is not less than100%;
The comprehensive risk rating is above Grade B..
So what is the solvency of British Life? Senior sister compiled an article about Ying Da Life Insurance. Because the solvency data update speed is too fast, Senior Sister updated the latest solvency rating data of Ying Da Life Insurance to the following link. Don't miss it!
What about Ying Da Taihe Life Insurance Company? The latest evaluation of the whole network! 》
4. What are the advantages of Ying Da insurance?
Any insurance company has its main business and special types of insurance. For example, China Ping An Life Insurance Company of China Insurance Company specializes in life insurance; Zhongan Insurance mainly deals with medical insurance, while Ying Da Life Insurance mainly deals with life insurance, health insurance, accident insurance and other personal insurance businesses. If it is mentioned that it has very advantageous insurance, it must be critical illness insurance.
Critical illness insurance is always the basic guarantee for people. After all, people sometimes get sick and injured, especially children and middle-aged and elderly people. Their resistance is very weak and they will get sick if they are not careful. When unfortunately suffering from diseases, it not only affects people's health, but also consumes a lot of money in treatment and rehabilitation. These expenses are actually a very heavy burden for families with poor economic conditions.
If middle-aged people find major diseases, they are even more distressed. After all, I am the breadwinner of my family. Children and the elderly at home need all kinds of expenses. Once I get sick, people will only feel anxious because of the cost of treatment. If my family loses its financial resources during the treatment, it is a phenomenon of living beyond its means. It is necessary to repay all kinds of mortgages, car loans, etc. I'll be at my wit's end then.
Therefore, if you choose critical illness insurance, the insurance company will pay the insured an insurance premium in one lump sum, and there is no restriction on where it can be used, so that families can tide over this difficult period. Therefore, it is necessary to buy critical illness insurance!
Fifth, the evaluation of popular insurance products in Ying Da!
Ying Da Insurance has many products with high sales volume, such as life insurance, critical illness insurance, medical insurance and accident insurance. So are all its products worth buying? Let's take a look at the best-selling critical illness insurance products: Ai Kang lifelong critical illness insurance, Kangyoubei lifelong critical illness insurance, Taihe Happiness Critical illness insurance series and so on.
These products are also quite popular recently, and it is difficult for people to choose the right one. So many people ask me, are these popular products worth starting with? Because hot-selling products may not be suitable for us, before buying insurance, we need to pay more attention to the protection content, protection period, compensation ratio, exemption clause and so on. Senior has just evaluated a popular product of Ying Da Life Insurance. Interested friends can have a look:
"Ying Da life Ai Kang life critical illness insurance can protect you? That may not be true! 》
Sixth, buy insurance to prevent these problems!
Not only should we choose a good insurance company, but in the previous content, my senior also told us that we should pay attention to the protection content, protection period, payment ratio and exemption clause of the product when insuring. If we don't pay attention to these aspects, the insurance can't match our own needs, and eventually we can't get claims, or we spend a lot of premiums but can't get the protection we deserve, so it's not worthwhile.
So before buying insurance, there are still some places to avoid, so be sure to pay attention.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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