Next, Senior Sister will introduce these two insurance companies from two aspects: company strength and solvency.
Before we begin, you can also read this article to supplement your insurance knowledge: Super Complete! Everything you want to know about insurance is here.
I. Background advantages
Huaxia Insurance: Huaxia Insurance is also an established domestic insurance company. It was founded in 2006. At present, its total assets have exceeded 600 billion, and 24 directly affiliated branches have been established, with a total of 66 1 branch, with a customer scale of 65438+75 million and a manpower scale of 500,000. It can be seen that the background strength of these two insurance companies is very strong.
He Zhong Life Insurance: He Zhong Life Insurance was established in 2005 with a registered capital of 4.28 billion yuan. Up to now, the company has developed into a national insurance company with nearly 654.38+million internal and external employees, 27 provincial branches and more than 600 branches, with total assets exceeding/kloc-0.00 billion yuan.
You can also refer to the following indicators to quickly judge whether an insurance company is good or not: What should we look at when we look at an insurance company?
Second, solvency.
Solvency is an important standard to measure the ability of insurance companies to claim compensation. As Huaxia Insurance Company was supervised by China Banking Regulatory Commission in 2020, the solvency information of official website was only disclosed until the first quarter of 2020, with core solvency adequacy ratio 1 13.83% and comprehensive solvency adequacy ratio 130.26%, and the comprehensive risk rating has not been updated. He Zhong Life's solvency report in the third quarter of 2022 shows that its core solvency adequacy ratio is 69.27%, its comprehensive solvency adequacy ratio is 65,438+038.53%, and its comprehensive risk rating in the second quarter of 2022 is Grade C. It can be seen that both the core solvency adequacy ratio and comprehensive solvency adequacy ratio of He Zhong Life meet the standards of CBRC. However, the comprehensive risk rating needs to be improved.
Generally speaking, the strength of these two insurance companies is online, and choosing products is more important than choosing insurance companies. Senior also compiled an insurance guide for everyone: which kind of insurance is good, how to buy it is cost-effective, and teach you to avoid these pits of insurance.
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