The flexibility is relatively strong. If there are places where money is needed, such as children's education or pension expenses, Mr. You can get ample cash flow support through policy loans or insurance relief. Guaranteed for a long time. If you take out this life insurance, you can guarantee your life. Convenient and diverse insurance options, the insurance age is relaxed to 70 years old, and a variety of payment methods are available; You can also set up services such as the second insured, the installment of insurance benefits, and the inheritance of "family heirlooms" to carry out diversified life planning.
CITIC Prudential Life Insurance was originally named Prudential Life Insurance and was established in 2000. It is a Sino-British joint venture insurance company with a registered capital of 2.36 billion yuan, 1 17, and changed its name to CITIC Prudential Life Insurance Co., Ltd. However, buying insurance is not a trivial matter. For many people who don't know much about insurance, before buying insurance, they will definitely worry about whether Prudential is reliable, whether it will go bankrupt, and whether the products of Prudential are good or not.
The specific content has these points:
Many people are worried that prudential life insurance is not reliable, but they are worried that the company will go bankrupt after buying his insurance, and whether the claims will be wrangled.
Today, I want to tell you seriously: no!
The reason should start with the CBRC, the boss of the insurance industry.
Have you ever heard of "a line of three meetings"? Central Bank, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission. Yes, the CIRC is protected by the State Council! At the beginning of this year, China Banking Regulatory Commission and China Insurance Regulatory Commission merged to form China Banking and Insurance Regulatory Commission.
What is the attitude of CBRC towards insurance companies? Take good care of it!
Quarterly review, semi-annual review and annual review, in short, every day, every day. And the complaints of each insurance company will be announced from time to time.
With such a strict eye on it, it is difficult for insurance companies to have an accident.
In 2009, a company called China United Insurance suffered huge losses and could not afford to pay. The China Insurance Regulatory Commission took over the supervision, and the insurance protection fund increased by 6 billion yuan, which was saved.
At the beginning of this year, the former chairman of Anbang Insurance committed a crime, and the CBRC took over the supervision. The insurance protection fund even smashed 60.8 billion to save the company.
So it doesn't matter whether the insurance company is big or small. Don't worry, the CBRC's father is here. Want to go bankrupt? Ask the tens of billions in the hands of the insurance protection fund if they agree or disagree.
As for claims, don't worry. An insurance contract has legal effect from the time it takes effect. Does the insurance company dare to default and deliberately not pay compensation? That's illegal. You will be prosecuted.
Some people think that insurance companies will deliberately refuse to pay compensation because they bought the wrong insurance: it is not suitable for themselves; Or didn't understand the insurance contract.