Is ABC life credible?

As a colonial enterprise in the market, ABC Life is welcomed by many consumers.

Some fans asked senior sister: How is ABC life? Is it trustworthy?

The following senior will show you the true face of ABC Life and the details of this company.

First, the background of ABC life is revealed!

In 2005, Agricultural Bank of China Life was established. A national life insurance company established by China Agricultural Bank Co., Ltd., Beijing Zhongguancun Science City Construction Co., Ltd. and China Shima Co., Ltd. has a registered capital of 294,965,438+647,500 yuan.

Among them, China Agricultural Bank holds 565,438+0% shares of Agricultural Bank of China Life Insurance as the controlling shareholder of the company. Therefore, it also confirms the strength of ABC Life Insurance.

The main business scope of ABC Life Insurance covers life insurance, health insurance and accident insurance. And reinsurance business closely related to these businesses, and also engaged in the use of insurance funds, as well as other businesses approved by the CIRC.

If you still want to know which insurance companies in the insurance industry are strong, then you can click on the link below and learn to stay up late to sort out the latest insurance company rankings. You want to see all of them!

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

Second, is ABC life insurance reliable?

As far as buying insurance is concerned, there are still many people who have such scruples: Is ABC Life Insurance reliable? Can I really claim compensation by choosing the insurance of Agricultural Bank of China Life Insurance? What if the insured can't get compensation?

If a friend buys the insurance of Agricultural Bank of China Life Insurance, we don't need to care too much about the situation that we can't get the claim. If everyone knows the situation of ABC Life Insurance, we will definitely rely on the CBRC to seek justice for everyone.

You should have heard of the central bank, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission. The superior department in charge of these departments is the State Council. Here, the CIRC is mainly responsible for supervising the insurance industry. The time for the merger of China Banking Regulatory Commission (CBRC) and China Insurance Regulatory Commission (CIRC) into China Banking Regulatory Commission (CBRC) is 20 18. Are their duties the same as before or still supervise the insurance industry?

In addition, China Banking and Insurance Regulatory Commission has formulated eight insurance supervision mechanisms, which require the latest audit of insurance companies every quarter, half a year and every year, and Agricultural Bank of China Life Insurance must also be strictly supervised.

Let me give you an example. For example, in 2007120/20 165438, official website issued a supervision letter, which pointed out that Agricultural Bank of China Life Insurance, Bank of Communications Kanglian Life Insurance and Great Wall Life Insurance broke through the supervision regulations in disguise when submitting product filing materials. The decision of the CIRC is that these three companies are not allowed to declare new products within six months from the date of issuance of the supervision letter.

Let me give you another example. At the beginning of 20 18, anbang insurance was also a big company. Because the former chairman did something that China Banking and Insurance Regulatory Commission could not tolerate, China Banking and Insurance Regulatory Commission took over and threw out 60.8 billion insurance money to save the whole factory, which better protected the interests of consumers.

Considering these two examples, we only choose large companies to buy insurance, and we will take a detour when we see small companies, right? Click on the link below, and Senior Sister will tell you how to choose.

Is it better for a big company or a small company to buy insurance? 》

3. What is the solvency of ABC Life?

Even under the supervision of the CBRC, we don't have to worry about the problem that no one will take over the insurance company in case of any situation. In addition, a powerful big company like ABC Life Insurance should not fail to operate normally. However, when applying for claims, we should pay more attention to whether the insurance company has enough ability to make compensation. After all, if the insurance company has surplus funds, it will be more frank when making claims, and the probability of being refused insurance is relatively small.

It depends on whether the insurance company has the ability to repay the debt, so as to have a deep understanding of the solvency index. The CBRC stipulates that as long as the following three conditions are met, it is a company with solvency standards:

The core solvency adequacy ratio is ≥ 50%;

Comprehensive solvency adequacy ratio ≥100%;

Comprehensive risk level ≥ B. ..

4. What are the advantages of ABC Life Insurance?

Agricultural Bank of China Life Insurance is actually a comprehensive insurance company, probably because Agricultural Bank of China is its largest shareholder, and now many insurance products are developing towards financial management. Agricultural Bank of China Life Insurance mainly operates two types of insurance, one is endowment insurance and the other is wealth management insurance.

China's aging is becoming more and more serious, and the problem of providing for the aged is indeed becoming increasingly prominent. Commercial old-age insurance has become the third pillar of China's old-age insurance system through continuous development, and the state supports the early insurance of old-age insurance in order to adapt to the higher level of old-age expenditure in the future and promote the healthy development of China's basic old-age insurance system to some extent.

The main functions of financial insurance are: compulsory savings to obtain income, planning special expenditures and inheriting wealth. The most effective way for high net worth people to obtain relatively stable and safe investment is to start with financial insurance.

5. ABC Life's best-selling products are announced!

Agricultural Bank of China life insurance mainly covers endowment insurance, accidental injury insurance, children's insurance, life insurance, financial insurance and medical insurance.

Among the endowment insurance, the distinctive products are Agricultural Bank Wealth Pension Insurance (universal type), Agricultural Bank Xinlilai Pension Insurance and Agricultural Bank Wealth Pension Insurance (dividend type).

Agricultural Bank of China Life's critical illness insurance also has some popular products, such as Agricultural Bank's critical illness insurance, Agricultural Bank's healthy life critical illness insurance 202 1 and so on.

So are these popular products of ABC Life Insurance worth buying? Click on the link below, and Senior Sister will give you a detailed evaluation of the popular products of ABC Life Insurance:

Is ABC Life Reliable? Is the product guarantee of ABC Life Insurance good? 》

Sixth, pay attention to these contents before buying financial insurance!

Now we have learned about the insurance companies of Agricultural Bank of China Life Insurance, but it should be noted that we can't just look at the insurance companies. The product itself is the focus we should pay attention to, so we should be cautious when buying.

Especially before buying products such as endowment insurance and annuity insurance, you should complete insurance coverage first, and then consider buying endowment insurance and annuity insurance when you have enough money. Do your own calculations before you decide to insure, and don't believe the salesman's high income.

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!