No, recently, many friends asked my senior, how is AIA? Is the strength credible?
While you have time, I will give you a good evaluation of AIA, an insurance company.
First, the big secret of friendship background
Now AIA is a life insurance group listed on the Hong Kong Stock Exchange. 1992 the company set up a branch in Shanghai, which was approved by China Banking Regulatory Commission. It is one of the first non-local insurance institutions to obtain the business license of individual life insurance after the reform and opening up in China.
Through long-term development, Asia-Pacific 18 market is the business scope of AIA, including China, Thailand, Singapore, Malaysia, Australia, Cambodia, Indonesia, Myanmar and other places.
At the same time, AIA established AIA Life Insurance in China as a wholly-owned subsidiary of AIA to manage AIA's life insurance business in Chinese mainland.
AIA Life's registered capital reached 3.7 billion yuan, and the company's total assets in 20021year exceeded 220 billion yuan, an increase of more than 20 billion yuan compared with 2020, with a year-on-year growth rate of about 10.8%. 202 1, the premium paid by consumers reached 45.3 billion yuan, and the overall strength was good.
However, it is not intuitive to just look at the data of AIA Life Insurance Company. Senior stayed up all night to sort out the latest insurance company rankings. You can compare the premium income and assets of each company to avoid stepping on the pit:
"Just out of the oven! Top Ten Insurance Companies in China! 》
Second, is AIA reliable?
Even though AIA is a big international company, its development in China is not long. Many insurance companies think that they are "small companies" and worry that they will not pay compensation after starting AIA products.
In fact, you can rest assured that as long as it is an insurance company established in our country, if you want to refuse to pay compensation, you must first get the consent of the CBRC.
At present, hundreds of domestic insurance companies basically disclose assets, profits, liabilities, premium income or solvency to the CBRC every month, quarter and half a year, and also disclose annual information.
China Banking and Insurance Regulatory Commission, China has been supervising insurance companies. It is difficult for an insurance company to be dishonest.
If some indicators of an insurance company are unqualified, the CBRC will perform its supervisory duties. If there is no improvement, in this case, other insurance companies or groups will be arranged to take over, so no matter how big the insurance company is, as long as there is monitoring by the CBRC, there is no need to worry about not paying the premium.
If large and small insurance companies don't have to worry about claims, how should large and small companies choose the one that suits them? Friends who want to know the answer, click on the link below, and senior sister will tell you in detail:
Is it better for a big company or a small company to buy insurance? 》
Third, what is AIA's solvency?
Solvency is an important indicator to distinguish whether an insurance company is reliable or not. The so-called solvency is simply the ability of insurance companies to pay insurance premiums.
Even if the CBRC has strict supervision, it is not omnipotent, and there may be too many loopholes in insurance companies to cover the whole situation. So at this time, the management can only be replaced by other insurance companies.
However, during this period when bancassurance is involved in management and other insurance companies take over, if the insured is in danger, it will affect the speed of claim settlement more or less. After all, the insurance company is short of money for a while, and the efficiency of claim settlement is definitely lower than when the cash flow is sufficient.
Therefore, at this time, it is very important for the insurance company to pay, and the cash flow is sufficient, which means that when giving money, the possibility of refusing to pay compensation will become lower.
China Banking and Insurance Regulatory Commission stipulates that the solvency of an insurance company shall meet the following requirements:
Core solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100%, and comprehensive risk rating ≥ B.
4. What are the advantages of AIA?
As my senior sister said before, AIA's domestic company is AIA Life. However, AIA Life is a life insurance company, and its products cover the following categories: critical illness insurance, medical insurance, accident insurance and life insurance.
However, just because AIA Life has launched many products does not mean that they all have purchase value.
Because most insurance companies have limited resources, it is impossible to pay attention to all types of insurance, and they can only invest more resources and energy in their own characteristic products. For example, the main insurance of Zhongan Insurance is millions of medical insurance.
Judging from the insurance products launched by AIA Life Insurance, the products with the best cost performance are those that focus on financial management, such as annuity insurance and pension annuity insurance. The main advantages are that the product guarantee content is attractive, and the annuity rate of return is satisfactory, which can be used not only for old-age care, but also for children's education.
The so-called annuity insurance means that the applicant or the insured pays the insurance premium in one lump sum or on schedule, and the insurer (insurance company) pays the insurance premium on an annual, semi-annual, quarterly or monthly basis on the condition that the insured is not dead until the insured dies or the insurance contract expires.
In other words: you have invested a sum of money in an insurance company, and in a certain period of time in the future, the insurance company will pay you the money according to the prescribed time limit, which can be every month, quarter, half a year or every year.
The main purpose of annuity insurance is to generate stable income, because this kind of products can return the annuity, and the amount of the annuity returned is clearly written into the contract, which will hardly generate risks and is suitable for people who pursue stable income.
Even if AIA Life's main business scope is annuity insurance, what are the best and most suitable annuity insurance in the industry?
V. Evaluation of AIA's best-selling products
As mentioned above, AIA currently focuses on critical illness insurance, accident insurance, medical insurance and life insurance.
In addition, it also includes annuity insurance based on financial management and so on.
6. Be sure to pay attention to these points before buying insurance.
After reading the above analysis, I believe everyone already knows what AIA is like and how to judge an insurance company.
However, even if the insurance company is reliable, it does not mean that the products are reliable, such as annuity insurance products. Different products will be different in terms of return time, annuity return amount, internal rate of return and guarantee content.
The combination of the above factors will make people see things in a blur, and it is difficult to distinguish the quality of annuity insurance products.
If you want to buy a cost-effective insurance product that suits you, click the link below. Sister Xue created a three-step method to judge whether the insurance value is worth buying in one minute. Look before you buy! It is difficult to be deceived;
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.
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