Are merchants and life insurance companies pyramid schemes?

Merchants and life insurance companies are not pyramid schemes, but formal and legal insurance companies. Many friends have never heard of this insurance company and think it is unreliable. Let's take a look at the following senior sisters! Before we begin, let's find out from what aspects we should analyze an insurance company: what should we look at an insurance company?

First, the company background

On June 30th, 20 16, 12, 1 year, with the approval of the former China Insurance Regulatory Commission, China Merchants and China Life Insurance officially started the preparation, and were allowed to start business on June 30th, 20 17.

China Merchants and Life Insurance are headquartered in Shenzhen with a registered capital of 6.599 billion yuan. It was jointly established by China Merchants, China Mobile and China Airlines. It is an insurance company controlled by central enterprises and has a strong background.

Second, solvency.

Senior sister found the solvency report of China Merchants and Life Insurance Co., Ltd. in the second quarter of 2022: the core solvency adequacy ratio of China Merchants and Life Insurance is 1 18.36%, and the comprehensive solvency adequacy ratio is 220.43%. In the first quarter of 2022, it was rated as BB in the evaluation of "Comprehensive Risk Rating (Classified Supervision)".

If you want to know where the solvency of China Merchants is in the market, you can look at this ranking: which company is the most "capable" to pay in the latest solvency ranking in 2022?

Third, the company products

Merchants and insurance companies have a wide range of products, including health insurance, accident insurance, dividend insurance and universal insurance. For example, its Qingyunwei 1 children's critical illness insurance has gained a lot of praise. Let's take a look at the product diagram first:

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Qingyunwei 1 Children's Critical Illness Insurance allows children from 28 days of birth to 17 years of age, and the guarantee period and payment period can be flexibly selected. Judging from the content of protection, this product not only provides basic protection for mild and severe diseases, but also provides rich other protection and optional protection, so that parents can provide more comprehensive protection for their children according to their actual situation.

If you are interested in this Qingyunwei 1 children's critical illness insurance, you can also take a look at this detailed evaluation: China Merchants Renhe Qingyun 1 children's critical illness insurance has hit hard, whether it is a "dark horse" or not!

Hope to adopt!

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