Is Hongkang Life Trustworthy?

Hongkang Life has done a good job in both the quality of claims and the export of insurance products. Because many people don't know about Hongkang Life Insurance and don't know much about the strength of this insurance company, my senior sister will give you a detailed evaluation today to help you better understand Hongkang Life Insurance.

First, the strength background of Hongkang Life is revealed!

Hongkang life insurance co., ltd was established on July 19, 2002. The headquarters established in Beijing has a registered capital of 10 billion yuan, and the total assets at the end of 20021year are more than 76 billion yuan.

Hongkang Life Insurance has branches in Henan, Jiangsu and Shanghai, and its partners include e-commerce platforms such as Jingdong Finance, Xiaomi Finance and Suning Finance, state-owned banks such as ICBC, Agricultural Bank, China Construction Bank, Bank of China, Bank of Communications and Postal Bank, and joint-stock banks such as China Everbright, Guangfa and Minsheng.

Hongkang Life has successively won the annual brand appeal insurance company award, the annual noteworthy insurance service brand award, 202 1 Value Growth Insurance Company, China Fortune 500, Top Ten Pioneer Life Insurance Company, the most growth insurance company, the most innovative insurance company and the best bank insurance service provider.

If you think these data are not intuitive and detailed enough, you can click on the following link and learn to stay up late to sort out the latest insurance company rankings to help you avoid the pit and not step on the thunder:

"Just out of the oven! Top Ten Insurance Companies in China! 》

Second, is Hongkang Life Insurance reliable?

Some friends think that Hongkang Life Insurance is not as famous as those big companies, and many people will worry about whether Hongkang Life Insurance is reliable. In fact, all my friends are worried that they will not be able to get compensation from the insurance company after Hongkang Life has bought insurance.

In fact, you don't have to worry about this problem at all. If the insurance company doesn't want to settle claims, the CBRC won't agree!

It is estimated that the friends have heard of "A Line of Three Meetings" more or less! This bank will include the central bank, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission.

Everyone is right, the State Council is the backer of the CIRC! At the beginning of 20 18, China Banking Regulatory Commission and China Insurance Regulatory Commission merged to form China Banking Regulatory Commission.

China Banking and Insurance Regulatory Commission conducts quarterly, semi-annual and annual audits of insurance companies, and often discloses the complaint data of some insurance companies. However, the complaint data of some insurance companies are occasionally published. Under the strict supervision of China Banking Regulatory Commission, there is nothing wrong with insurance companies, such as Hongkang Life Insurance.

Combined with the situation in 2009, China United Insurance suffered a serious loss and could not pay. At this time, the CBRC immediately took over, increased its capital by 6 billion, and brought it back to life with resilience.

Therefore, no matter whether the insurance company is big or small, as long as the CBRC is there, you don't have to worry about buying insurance and not finding an insurance company to settle claims. You will never lose a penny.

3. What is the solvency of Hongkang Life?

The senior also said before that because of the supervision of the CBRC, there is no need to worry about the problem that no one will take over after the insurance company closes down, but if you want to get compensation, you have to go through a bloody and troublesome settlement process, and if the settlement conditions are harsh, it will make people feel distressed.

At this time, the importance of the insurance company's solvency is self-evident. After all, the wallet is bulging, and the claim will be more straightforward, and the probability of refusing to pay compensation is minimal.

The core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥B, which are the criteria for the CBRC's in-depth investigation of the solvency of insurance companies.

Because the solvency of insurance companies is updated every quarter, in order to ensure the correctness of the data, senior sister updates the latest solvency data of Hongkang Life Insurance Company at the following link. Let's see if it meets the standards:

How about Hongkang Life Insurance Company? Is the product good? 》

4. What are the advantages of Hongkang Life Insurance?

There are too few all-round talents, and the same all-round companies are too rare. Under normal circumstances, each insurance company will have its own main characteristic insurance, just like Zhongan Insurance Company, whose main insurance is millions of medical insurance, while Sunshine Insurance's main insurance is auto insurance.

Life insurance is a characteristic insurance that Hongkang Life Insurance Company strives to build. From the perspective of life insurance, Hongkang Life Insurance Company provides you with good life insurance products with low premium, high insurance coverage and low threshold.

Take term life insurance, which is common in life insurance, as an example. Starting term life insurance is essentially not for yourself, but for your family. Its function is to help families fill the economic gap after the death of the insured.

Then, it is worth starting from the main economic pillar of the family. Term life insurance supports one-time payment of a sum of money, and there are no restrictions on use. It is necessary to buy it to help everyone tide over this difficulty smoothly!

Verb (abbreviation of verb) evaluation of hot-selling products of Hongkang Life Insurance Company

Hongkang Life Insurance mainly deals in life insurance, annuity insurance, accident insurance and other personal insurance businesses, and is also an excellent company in the insurance industry. It has many popular products, including Li Hong Legend, Dabai Term Life Insurance and Li Hong Nian. Annuity insurance with life; Accident insurance is worry-free

Sixth, there are still these things to pay attention to before buying insurance!

To sum up, I believe everyone already knows how to judge what an insurance company is like.

However, when allocating insurance, we should not only pay attention to insurance companies, but also pay attention to insurance products themselves. Careful friends will find that different products have different costs, compensation and protection. If you relax a little, you will step on the pit. Therefore, it seems easy to buy insurance, but it actually involves a lot of financial management and investment knowledge. It is best to look at your own needs before choosing.

How to choose insurance, is the more expensive the better? Don't worry! Senior sister has compiled a complete set of insurance strategies for you, telling you how to avoid wasting money and being cheated:

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.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!