Actually, it's not. All insurance companies have to go through many tests before they can be established, and in terms of paid-in capital, insurance companies have to register more than 200 million.
Most importantly, a high threshold is also a major condition for the insurance industry. Not only is the qualification examination very strict, but the most basic configuration is money and strength.
If you still have questions, you might as well click on the article written by senior sister below to deepen your understanding, and everyone will understand after reading it:
"Tongfang global pk Everbright, which is stronger? This article tells you the answer! 》
1. How about Everbright Yongming Insurance Company? Is it reliable?
1. Company background
Everbright Life Insurance Co., Ltd. is a joint venture life insurance company, established on April 22, 2002, with a registered capital of 5.4 billion and headquartered in Tianjin.
China Everbright (Group) Company, Canadian Yongming Life Insurance Company, Anshan Iron and Steel Group Corporation and China Ordnance Industry Group Corporation jointly hold shares respectively.
The company's business scope includes: life insurance, health insurance, accident insurance, and reinsurance business of life insurance, health insurance and accident insurance.
2. Solvency
China Banking Regulatory Commission stipulates that the solvency of insurance companies is ≥50% for core solvency, ≥ 100% for comprehensive solvency and ≥ B for comprehensive risk rating.
Only by meeting the above three requirements can the company meet the solvency standards.
According to the solvency report in the third quarter of 2022, the core solvency adequacy ratio and comprehensive solvency adequacy ratio of Everbright Life Insurance reached 65,438+000.88% and 65,438+056.83% respectively, and the comprehensive risk rating was Grade A. ..
Judging from the latest data, Everbright Yongming's standards far exceed the regulations of the China Banking Regulatory Commission, and this company is worth entrusting.
Through the frequent publicity of my senior sister, I think my friends' views on Everbright Yongming Insurance Company have changed. My senior introduces a critical illness insurance product of Everbright Yongming-Fuhui Ankang. Let's have a look.
2. What about the critical illness insurance products of Everbright Yongming Insurance Company? Do you have any suitable recommendations?
Senior, before it's too late, let's go directly to the above picture:
I believe everyone has seen the product drawing, so let's go deeper and analyze it.
Advantages of Fuhui Ankang:
1. The payment term is flexible.
Fuhui Ankang critical illness insurance has several payment years, wholesale payment, 3 years, 5 years, 10 years, 15 years, 19 years, 20 years, 30 years, which can completely match people with different incomes and is very friendly to everyone's wallets!
Moreover, most people will get a lot of benefits through this payment period, that is, 30 years of payment. Do you know why?
The reason is that after a long period of payment, and when the leverage is maximized, the insured is not as stressed as before and may trigger the probability of exemption at any time.
And the one-time payment uses the main funds. In the meantime, we will miss the opportunity to manage a large number of deposits. Let's calculate carefully, will we lose more!
Is this 30-year payment type suitable for everyone? Senior sister refuted this view. I suggest you read the following article, which contains the answers you want:
"How to choose the payment period so as not to lose money? 》
2. Characteristic guarantee is in place
Fuhui Ankang is not only comprehensive, but also excellent as high disability insurance. This alone can attract many people's attention, which is not available in other critical illness insurance.
If you are very concerned about the protection of high disability, I recommend this product is very good.
Moreover, it has the same protection as the insurance premium for specific diseases, and also pays 15 specific diseases, so that consumers are full of security!
Disadvantages of Fuhui Ankang:
1. Single choice of guarantee period
During the guarantee period, Fuhui Ankang critical illness insurance only covers life, which is particularly unfriendly.
Although life insurance means that the insured is guaranteed for life, the premium is also high. I want to insure my friends in Fuhui Ankang, but I can't because of the budget. Are you missing a large number of consumers?
Because of the limited space, Senior Sister won't do too much narration here, but Senior Sister has summarized some detailed information about Fu Huiyu Ankang critical illness insurance. See the link below for details, and interested friends can have a look:
"Everbright Yongming Fuhui Ankang critical illness insurance is worth buying? An analysis! 》
Third, senior sister suggested.
From the above summary, it can be seen that Everbright Yongming Insurance Company is very safe, and its newly launched critical illness insurance product, Fuhui Ankang, has a very comprehensive coverage and is escorted by high disability insurance.
But there are also many shortcomings, that is, in the choice of guarantee period, we can only choose the option of lifelong guarantee, which is not economical.
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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!