Sunshine Life is unreliable and a liar?

Sunshine Life Insurance is one of the seven major insurance groups in China, mainly engaged in life insurance, health insurance and accident insurance. The CBRC has always been strictly supervised, so it must be reliable, not a liar.

Next, I will analyze whether Sunshine Life is reliable from three aspects.

1, solvency

Let's take a look at the standards given by the Banking Regulatory Commission:

The core solvency adequacy ratio is ≥ 50%;

Comprehensive solvency adequacy ratio ≥100%;

The comprehensive risk rating is not less than B.

Let's look at the indicators released by Sunshine Life in the third quarter: core solvency adequacy ratio 187. 19%, comprehensive solvency adequacy ratio of 202. 14%, and comprehensive risk rating of A level.

It can be seen that all indicators of Sunshine Life are up to standard, so you can buy Sunshine Life products with confidence and boldness.

2. Service

In order to make everyone have a unified standard, Yin Baoxin is based on a lot of data and past experience.

According to eight indicators, such as the limitation of claims service, odds, complaint rate and preservation limitation; 20 18 insurance company's service is divided into 10, AAA is the best and D is the worst.

Sunshine Life was rated as Grade Five BB with average performance.

Step 3 claim

I sorted out the annual claims reports of 30 insurance companies in 2020, and found that Sunshine Life paid 2.8 billion yuan in the whole year, and the number of claims was 14.3. Generally speaking, Sunshine Life has no problem in claims settlement.

Therefore, in terms of solvency, claims and services, Sunshine Life is still very reliable. If the product suits you, you can buy it with confidence.

Finally, I want to remind everyone that every insurance company has good products and bad products, so the most important thing to buy insurance is not to look at the insurance company, but to look at the product itself. Before you take out insurance, you can read my guide: What pits should you pay attention to when buying insurance? Master these skills and buy insurance without wasting money!

Pay attention to insurance, 1 will consult for free 1, and we will answer any questions about insurance with professional knowledge, objectivity, neutrality and enthusiasm, so that it is no longer difficult to buy insurance!