Which is better, China Life Insurance or Ping An Insurance?

It is suggested that you can choose China Life Insurance, because China Ping An is currently in the transition stage. The specific reasons are as follows:

1, China Ping An is currently in a transitional stage and is developing towards Internet finance.

2. State-owned enterprise brand and after-sales guarantee. China Life is a state-owned enterprise. The head office and its subsidiaries constitute the largest commercial insurance group in China, one of the largest institutional investors in China's capital market and a Fortune 500 enterprise. Known as the "mainstay" of the insurance industry in China.

3. Yield China Life showed an upward trend: the total investment yield of China Life in the first half of the year was 5.77%, which was 65,438+099 basis points higher than that of 2065,438+08 in the same period. Considering the net change of fair value of available-for-sale financial assets included in other comprehensive income in the current period, the comprehensive investment return rate is 8.24%, which is 463 basis points higher than 20 18 in the same period.

4. New insurance products: China Life Insurance Company has developed the series of "Guo Shou Fu (Exclusive Edition)", "Corning Lifetime (Extreme Edition)", "Wealth heirloom" dividend-paying whole life insurance, and "healthy family portrait". Asset Management took the lead in launching a series of products such as "Phoenix" and "Kirin" to alleviate the risk of equity pledge of listed companies and support private enterprises to solve financing problems.

5. China life insurance claims case:

A.2065438+June1At 22: 55 on July 9, an earthquake of magnitude 6.0 occurred in Changning County, Yibin, Sichuan. After the earthquake, China Life Insurance Company attached great importance to it and immediately launched the emergency plan for major emergencies. At 8: 32 am on June 18, a customer's vehicle in Gaoxian County, Yibin was damaged by falling objects.

China Life Insurance Company completed the first payment in this disaster within one hour after receiving the report. As of June 24th, China Life Insurance Yibin Zhongzhi received a report from the earthquake zone 10, with no casualties. At present, 9 claims have been settled and more than 20,000 yuan has been paid. China Life will continue to provide our customers with fast, convenient and humanized services.

B.2065438+June 2009, rainstorm and flood occurred in many places in southern China, and crops were seriously affected, and enterprises, institutions and people's property suffered heavy losses.

After the disaster, China Life Insurance Company attached great importance to it. Relevant institutions at all levels care about the affected customers, start emergency procedures at the first time, formulate emergency measures and plans for claims service, simplify the claims process, and fully carry out claims service.

As of June 24th, affected by the rainstorm in the south, 395 cases/kloc-0 were reported, and the estimated loss was more than 20 million yuan. All claims settlement work is being carried out in an efficient and orderly manner, so that the affected customers can resume their normal production and life as soon as possible.

Extended data:

Common misunderstandings in insurance:

First, the more varieties you buy, the more comprehensive the protection you enjoy: although there are many types of insurance, you should still do what you can when you buy, not the more you buy, the better. Choose the variety you need at present according to your occupation, age, family structure, physical condition and economic ability. The expert's suggestion is that the expenditure of the insured project should not exceed 10% of the income.

Second, children are the future, so insure children well: children's expenses are a relatively large part of each family's total expenses. Including the usual food, clothing, housing and transportation, as well as the education of children. Some parents set up education funds for their children at an early age, but they ignore that children are the backbone of the whole family.

Once the power to generate income for the family weakens or even disappears, it will have a great impact on the family. Therefore, when you are insured, you should first consider insuring the pillars of your family, and then consider buying them for other family members when you have spare time.

Third, if you buy more, you will definitely lose more: in today's increasingly fierce competition in the market economy, product homogeneity is becoming more and more serious. The products launched by major insurance companies are very similar. So many people hold the idea that I have the same insurance coverage in many insurance companies, and then there will be many claims.

Note that this is a typical misunderstanding of insurance. Different types of insurance have different claims principles. Here is an example: Wang hurt his leg in an accident. Before that, she bought medical expenses insurance from three insurance companies, and she thought she could get three times the compensation.

But she doesn't know that medical expenses insurance, as a kind of compensation insurance, applies the principle of compensation, that is, within the limit of the insured amount, the insurance company pays the insurance money according to the medical expenses actually paid by the insured.

That is to say, no matter how many medical insurances you have taken out in many insurance companies, the final total amount of insurance money cannot exceed the actual medical expenses. Before you apply for insurance, you must first understand the insurance company's claim principle, claim channel and claim amount, so that you can get the expected compensation when you are in danger.

References:

Baidu encyclopedia-insurance

Baidu Encyclopedia-China Ping An Insurance (Group) Co., Ltd.

Baidu Encyclopedia-China Life Insurance (Group) Company