Let's introduce the merchants and life insurance companies. Before starting the analysis, you might as well know what factors are involved in evaluating an insurance company: what should we look at the insurance company?
1, the background of Bao Si
20 16 12 1, with the approval of the former China Insurance Regulatory Commission, China Merchants and Life Insurance Co., Ltd. formally started to build and were allowed to start business on June 30th, 20 17. China Merchants Renhe Life Insurance Co., Ltd. has a registered capital of 6.599 billion yuan, which was jointly established by China Merchants, China Mobile and China Airlines.
Merchants and life insurance stick to it? Value leadership, innovation drive, technology empowerment, and risk control guarantee? Develop ideas and continue to deepen the field of interactive insurance. 2022 Insurance Science and Technology Innovation Competition, Merchants and Life Insurance? Interactive insurance product innovation? The project won the Excellence Award-Silver Award.
From this point of view, China Merchants and Life Insurance not only have strong shareholders and strong financial strength, but also have certain core competitiveness in insurance business. If you want to know more about China Merchants and Life Insurance, you can click on this article: Unknown China Merchants and Insurance Companies, I didn't expect such strength.
2. Solvency
If an insurance company wants to be solvent, it needs to meet three standards stipulated by China Banking and Insurance Regulatory Commission: the core solvency adequacy ratio is greater than or equal to 50%; The comprehensive solvency adequacy ratio is greater than or equal to100%; The comprehensive risk level is Grade B or above.
According to the solvency report of China Merchants and Life Insurance Co., Ltd. in the third quarter of 2022, its core solvency adequacy ratio is 104.62% and its comprehensive solvency adequacy ratio is 206.44%. The comprehensive risk rating results of the last two times (1 quarter and the second quarter of 2022) are BB respectively.
From this point of view, all the solvency indicators of China Merchants and China Merchants are qualified, so you don't have to worry that it can't pay the insurance premium. If there are still friends who are worried that the bankruptcy of an insurance company will affect their policies, you can look at what experts say: The insurance company is bankrupt, what should I do with the insurance I bought?
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