What are the advantages of luxury life?

It is estimated that when many small partners buy insurance, when they see a well-known big company and feel very reliable, they will believe it 100%. However, if you encounter some insurance companies that you have never been in contact with, or relatively low-key insurance companies, such as Huagui Life Insurance, many people don't understand and dare not step on the pit!

Then the senior will explain "luxury life" to your friends, and everyone should understand it carefully ~

First, the strength of luxury life has risen to the bottom!

Approved by the former China Insurance Regulatory Commission, Huagui Life Insurance Co., Ltd. was established as a national life insurance company in February 2065438+2007. It is the first local insurance legal person institution in Guizhou Province. The registered capital of the first phase of the company is as high as 654.38 billion yuan. The head office is registered in Gui 'an New District of Guizhou Province, which is a national new district.

It was founded by China Kweichow Moutai Distillery (Group) Co., Ltd., Kang Hua Group, Guizhou Gui 'an Jintou, Guizhou Jinkong Group and other 1 1 units. It seems that the strength of this insurance company is still good!

Second, is the luxury life really reliable?

Many people think that luxury life insurance is unreliable, but they are afraid that they will not get compensation after buying luxury life insurance.

In fact, there is absolutely no need to worry. If the insurance company fails to settle claims according to the contract, the CBRC will definitely not allow this to happen.

Maybe everyone has heard of the "Three Meetings". In fact, it is the central bank, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the China Insurance Regulatory Commission. And the State Council is the power behind the CIRC! At the beginning of 20 18, China Banking Regulatory Commission and China Insurance Regulatory Commission merged to form China Banking Regulatory Commission.

For insurance companies, the CBRC always conducts quarterly audits, semi-annual audits and annual audits, and keeps an eye on them every day. And often publish the complaint data of various insurance companies.

Under the strict control of CBRC, it is not so simple for insurance companies to come up with any moths, and so is luxury life.

For example, in 2009, China United Insurance didn't lose anything, and it really couldn't. So the China Insurance Regulatory Commission took over urgently, increased its capital by 6 billion, and desperately saved it. Therefore, no matter how big the insurance company is, with the CBRC, you can rest assured that you will never lose money.

If you don't want to spend more money, how should large and small companies choose? Click on the link below to help you choose!

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

3. What is the solvency of luxury life?

Even under the supervision of the bank insurance supervisor's father, we don't need to worry about buying an insurance company, and no one will take over the quotation. However, if the insurance accident involves a complicated claim process and the claim conditions are not relaxed, it will still make people feel distressed.

Therefore, at this time, the importance of the insurance company's solvency is highlighted. After all, only when there is more money, it will be simple to give money, and the probability of refusing compensation will be low.

China Banking Regulatory Commission has very clear regulations on the solvency of insurance companies: the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B. Only when the above three requirements are met, the insurance company is a company with solvency standards.

Because the solvency of insurance companies is updated every quarter, in order to ensure the correctness of the data, Senior Sister updated the latest solvency data of Luxury Life Insurance Company in the following link. Let's see if it meets the standards:

Is luxury life reliable? It's enough to read this article! 》

4. What kind of insurance is worth buying for luxury life?

There are few all-round talents, and there are also few all-round companies. Most of the main insurance products of various companies have spent a lot of resources and energy to build. For example, millions of medical insurance is the main insurance of Zhongan Insurance, and the main insurance of Sunshine Insurance is auto insurance.

Term life insurance is actually the main characteristic of luxury life insurance in China. From the establishment of term life insurance, it will be found that luxury insurance companies have no spare capacity considering that term life insurance can supplement a series of economic losses caused by the death of the insured.

Luxury life insurance companies try their best to add aviation accident death/disability insurance or land traffic accident death/disability insurance to most term life insurance, so as to give customers' families enough financial support.

Term life insurance allows a one-time claim for a sum of money, with no restrictions on its use, to help families tide over this difficult period. Therefore, the role of term life insurance is irreplaceable by many types of insurance, and it is very worth buying for the family economic pillar!

Five, must see before buying pit prevention tips.

We now know how to judge whether an insurance company is good or not. But can we just pay attention to the insurance company's allocation of insurance? The answer is of course: no! It is not so easy to buy cost-effective insurance that suits your situation!

Careful friends will find that different products are inconsistent in cost, compensation and security. For example, as critical illness insurance, some products fully protect dozens of diseases, and some only have a dozen; Some can be guaranteed for life, and some have a date of use, which makes your head buzzing and you accidentally get on the thief boat.

Therefore, buying insurance seems simple, but it actually involves a lot of financial management and investment knowledge, so you need to choose carefully according to your own needs.

Click on the link below, and Senior Sister has created a three-step method to judge whether this insurance is worth buying in one minute! Look before you buy it! It's hard to be cheated!

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

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.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!