Is Fude Life Insurance Co., Ltd. a liar? Is it a pyramid scheme?

Fude Life Insurance Co., Ltd. is a national professional life insurance company, a formal insurance company supervised by the China Banking Regulatory Commission, and not a deceptive or pyramid scheme institution. Let's analyze the background and solvency of insurance companies, so that everyone can have a deeper understanding of the strength of Fude Life Insurance.

Before starting the analysis, we might as well know what to look at for insurance companies: what to look at for insurance companies?

1, the background of Bao Si

Fude Sino Life Insurance Co., Ltd. was established in 2002, headquartered in Shenzhen, with a registered capital of117.52 million yuan and total assets exceeding 480 billion yuan. At present, it has 35 branches and more than 1000 branches and their service outlets in China. The company was selected as one of the "Top 500 Asian Brands" in1year and "Top 500 Shenzhen Enterprises" in 20021year, and it is one of the life insurance companies with strong capital strength in China.

If you want to know the friends of Fude Life Life Company, you can supplement this in-depth evaluation article: Is Fude Life Life Insurance reliable? After stripping off its ace product, I know …

2. Solvency

Solvency is an important assessment standard to measure whether an insurance company has the ability to claim compensation. With regard to solvency, the CBRC has clearly given three indicators, which must be met at the same time: first, the core solvency adequacy ratio is ≥ 50%; Second, the comprehensive solvency adequacy ratio is ≥100%; Third, the comprehensive risk rating is at Grade B and above.

According to the latest data, in the fourth quarter of 2002/kloc-0, the core solvency adequacy ratio of Fude Life Insurance was 87%, and the comprehensive solvency adequacy ratio was 103%. The comprehensive risk ratings of recent quarters have not been published.

Although we can see that the core solvency adequacy ratio and comprehensive solvency adequacy ratio of insurance companies have reached the standard, many small partners will worry that insurance companies will go bankrupt. If the insurance company goes bankrupt unfortunately, what impact will it have on our policy? Let's see what the experts say: the insurance company is bankrupt. What about the insurance I bought?

Hope to adopt!

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