Suddenly received a sum of money from China Life. Is this insurance money?

If your account suddenly receives the payment from China Life Insurance and has not handled the corresponding business recently, you need to carefully distinguish the following situations and handle them accordingly.

1, wrong number

If your account suddenly receives money from PICC China, but you haven't handled the corresponding business recently, it is probably the money from PICC China, but your account may be wrong.

2. False information

It is very likely that the swindler will give you a small sum of money first to attract your investment and cheat you. SMS fraud has various means and complicated forms, but its essence is possession. The act of fabricating facts or concealing the truth to defraud a large amount of property. Therefore, to judge whether a short message constitutes fraud, we should first look at whether the perpetrator subjectively has the purpose of illegal possession, and whether he adopts the method of fabricating facts or concealing the truth in his behavior.

First, Insurance, English is insurance or insurance, which means safe and reliable protection; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system. Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.

Second, from the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.

Commercial insurance can be roughly divided into property insurance, personal insurance, liability insurance, credit insurance, subsidy insurance and marine insurance. Large categories are classified according to the scope of insurance liability, and small categories are classified according to the type of insurance subject matter. According to the scope of insurance, it is divided into: personal insurance, property insurance, liability insurance and credit guarantee insurance.

1. Fire insurance covers the losses caused by fire to the property stored in a certain geographical range and basically in a static state on land, such as machines, buildings, various raw materials or products, household appliances, etc.

2. Marine insurance is essentially a kind of transportation insurance, and it is the earliest insurance in all kinds of insurance business. The insurer is responsible for the loss of the subject matter insured caused by marine risks.

3. Cargo transportation insurance is cargo transportation insurance other than maritime transportation, which mainly covers the loss of goods during inland river, inland river, coastal and air transportation.