First of all, AIA is credible. It is difficult to get the license of an insurance company, and the threshold for setting up an insurance company is also very high. The establishment of funds alone will cost 200 million yuan, and the company will continue to be strictly supervised by the China Banking Regulatory Commission. You can cooperate with AIA with confidence and boldness.

Secondly, people think it is not credible because they are worried that after buying the products of this insurance company, the insurance company will not settle claims. In fact, there is no need to worry too much, because as long as the insured is in danger and meets the claim requirements, then the insurance company will make claims according to the terms and conditions and will not refuse to pay compensation without reason.

More insurance claims analysis, if necessary, can be poked into this article: What are the correct postures for quick and good insurance claims? No compensation!

Let's take a look at the relevant contents of AIA Life Insurance Company:

I. Background Analysis of AIA Life Insurance

AIA Life Insurance Co., Ltd. is a wholly-owned life insurance subsidiary of AIA Limited, which manages AIA's life insurance business in Chinese mainland. AIA Life has a professional team of insurance salesmen, providing customers with life insurance, health insurance, accident insurance and other life insurance services through diversified sales channels, with branches covering key cities and regions in Chinese mainland.

More background analysis of AIA Life can be learned from its comparison with Tongfang Global Life: AIA Life PK Tongfang Global, who is better?

Second, the solvency analysis of AIA Life

First of all, the CBRC's requirements for the solvency of insurance companies include: core solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100%, and risk rating ≥ B. An insurance company that meets these three conditions at the same time is a company with sufficient solvency.

According to AIA's solvency report in the third quarter of 2022, its core solvency adequacy ratio is 228.0 1%, its comprehensive solvency adequacy ratio is 379.76%, and its latest comprehensive risk rating is AA.

To sum up, AIA Life's solvency index far exceeds the requirements of CBRC.

So, do you want to know where AIA's solvency ranks in the insurance company rankings? The answer lies in this article: the solvency ranking list of the most comprehensive insurance companies in 2022!

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