Insurance brokerage companies have no insurance products themselves and cooperate with hundreds of insurance companies.
Insurance companies are suppliers of insurance brokerage companies, and customers finally sign insurance contracts with insurance companies.
According to the actual situation of customers, insurance brokers help customers choose the insurance scheme that suits them among many insurance companies. The angle is more objective and neutral, and it can also save a lot of time, energy and economic expenses for customers.
There are more than 0/00 domestic insurance companies, each with its own superior products and different positioning.
Domestic insurance companies can be roughly divided into three categories:
The first category is Ping An, China Life Insurance, Pacific and other well-known companies. The products of such companies have higher prices and lower cost performance.
The second category is Sino-foreign joint venture insurance companies, which were established around 2002. For example, Sino-British Life Insurance, Sino-Italian Life Insurance, ICBC AXA Life Insurance and Everbright Life Insurance. This kind of company has a history of hundreds of years abroad, with strong brand, excellent insurance liability and moderate product price. Chinese shareholders are basically controlled by central enterprises (ICBC, China Everbright Bank and PetroChina). ).
The third category is emerging insurance companies established in China about 20 10 years later. The products of such companies are cheap and the insurance liability is wide.
Insurance companies operating in Chinese mainland are protected by the Insurance Law.
Articles 89 and 92 of the Insurance Law have relevant explanations. No matter which company you buy, you don't have to worry about the company's operation and claims. Match your products according to your own preferences and economic situation.