Moreover, Ai Xin Life's products must be approved and put on record by China Banking and Insurance Regulatory Commission before they can be put on the market, and the product terms have legal effect. The insured has signed an effective insurance contract with Aisheng, and their legitimate rights and interests will also be protected by the Insurance Law and other laws.
Next, senior sister introduces love life from Baosi's background and solvency. Before starting the analysis, we might as well know what factors are involved in evaluating an insurance company: what should we look at when looking at an insurance company?
1, the background of Bao Si
Ai Xin Life Insurance Co., Ltd. (Ai Xin Life for short) was established on June 22, 2007 with a registered capital of1700 million yuan. In addition, Aisheng initiated the establishment of the Bank of Beijing Insurance Industrial Park, a national banking and insurance gathering platform jointly built by China Banking and Insurance Regulatory Commission and Beijing Municipal Government.
In terms of business, Aisheng covers life insurance, annuity insurance, health insurance, accident insurance, dividend insurance and universal insurance. If you want to know about the products of love life, you can read this article: How is love life? Is it reliable? Is its product worth buying? This article tells you!
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 Ai Life Insurance Co., Ltd. in the third quarter of 2022, its core solvency adequacy ratio is 60.60% and its comprehensive solvency adequacy ratio is 12 1. 19%. The comprehensive risk rating results of the last two times (1 and the second quarter of 2022) are all Grade B. ..
It can be seen that all indicators of Aisheng's solvency are qualified, so there is no need to worry about the problem that Aisheng can't afford to 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?
Hope to adopt
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