Is Everbright Yongming reliable?

Speaking of Everbright Yongming, I believe many friends will feel strange. Although Everbright Yongming itself is not as famous as other big-name insurance companies, its strength cannot be underestimated.

Today, Senior Sister will take you to evaluate Everbright Yongming and see if this insurance company is excellent! Interested friends continue to look down.

First, the strength of Everbright Yongming has risen to the bottom!

Everbright Yongming was established in April 2002. Its shareholders include China Everbright Group Corporation (50%), Canadian Yongming Life Insurance Company (24.99%), Zhong Bing Investment Management Co., Ltd. (12.505%) and Angang Group Co., Ltd. (12.505%), also known as the state-owned insurance enterprise controlled by China Everbright Group.

At present, the registered capital of Everbright Life Insurance is about 5.4 billion yuan, and its capital strength ranks in the forefront of domestic life insurance companies.

Moreover, after years of exploration, Everbright Yongming has 24 branches all over the country, covering 80% of the country's population.

Therefore, although Everbright is not as well-known as China Ping An and China Life Insurance, the strength of this insurance company cannot be ignored.

Looking at these data alone doesn't seem intuitive enough? Click on the link below, and the seniors will stay up late to sort out the latest insurance company rankings to help you avoid the pit and not step on the thunder:

"Just out of the oven! Top Ten Insurance Companies in China! 》

Second, is Everbright Yongming really reliable?

Although the strength of Everbright Yongming is very strong, many people still think that Everbright Yongming is unreliable. They must be worried about buying insurance. In case of an accident, the insurance company will not compensate.

Senior sister can safely tell you that as long as the accident conforms to the contract, the insurance company will pay the insured.

If an insurance company is rogue and refuses to pay, the CBRC, backed by the State Council, will not let this insurance company go.

The CBRC will review all insurance companies every year, every six months and every quarter, and will also publish the complaint data of insurance companies from time to time.

Under the strict supervision and management of CBRC, insurance companies will be severely punished once they touch the bottom line of CBRC.

If the insurance company suffers serious losses, we don't have to worry and there is no compensation. For example, in 2009, China United Insurance lost everything and could not get compensation, so it was handed over to the China Insurance Regulatory Commission for management, and its assets increased by 6 billion to help it tide over the difficulties.

No matter the size of the company, as long as the father of the CBRC is there, we don't need to worry that the insurance company has no money to pay.

Since large and small insurance companies don't have to worry about claims, which company should they choose? Click on the link below, and Senior Sister will tell you the answer:

Is it better for a big company or a small company to buy insurance? 》

3. What is the solvency of Everbright?

Under the supervision of the CBRC's father, we don't need to worry about the situation that no one picks up the insurance company. Moreover, a powerful insurance company like Everbright Yongming is unlikely to go bankrupt.

However, insurance claims are not a simple matter. We also need to know clearly whether the claim conditions set by the insurance company are difficult to achieve and whether it is painful to give money. At this time, we can judge by analyzing the solvency of an insurance company. The law of CBRC is: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100% and the comprehensive risk rating is ≥ B. An insurance company that meets these three requirements at the same time is one that does not have to worry about solvency.

Because the solvency of insurance companies is updated once every quarter, in order to ensure the correctness of the data, senior sister updated the latest solvency data of Everbright Yongming Company in the following link. Let's see if it meets the standards.

The latest strength of "Everbright Yongming Insurance Company" is exposed. Is the product worth insuring? 》

4. What insurance is worth buying for Everbright?

In terms of business philosophy, Everbright Yongming follows the principle of "customer first" and meets customers' insurance protection and wealth management needs in pension, accident, medical care, education, asset management and other aspects with top products and services through various sales channels.

Critical illness insurance and endowment insurance are the main insurance products of Everbright, among which its endowment insurance products are more and more popular in the market.

According to the data of the seventh population census published by the National Bureau of Statistics, we can know that the proportion of the population aged 60 and over in China is as high as 18.7%, and the trend of population aging in China is getting more and more serious. The long-lived age is coming, and the anxiety of providing for the aged is also "rolled up" to all young people.

Therefore, Everbright Life is highly concerned about the aging of society, focusing on the whole pension market, directly attacking the pain points of pension, tapping the needs of customers, constantly innovating and upgrading the product structure with a keen sense of market, and listing a number of pension annuity insurance products based on high-quality value-added services.

Fifth, the pit prevention tips that must be seen before buying!

After reading the above, we have understood what the insurance company of Everbright is, but it is not enough to pay attention to the insurance company when buying insurance.

Different insurance products have different protection contents, including premiums, claims conditions and so on. Just like buying critical illness insurance, we should pay attention to which diseases are covered by the product itself, how long the guarantee period is, and what conditions need to be met for disease claims.

Before starting the pension annuity, it is necessary to determine whether you have done a good job in personal protection, whether you have enough budget in your hand, whether the income calculated by the product meets your expectations, and so on.

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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