Listen everyday install pa to say to be sure, everybody is insurance expert.
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When you preparation begins to configure insurance for family and oneself when, discover greatly small insurance company is so much suddenly, insurance sale is in each times him boast insurance company and a product, fasten an insurance company not to rely on chart on time (you know a way of the sale) , the news that has rejecting claims of a lot of be or get out of danger more is done popular in a state of anxiety.
Dare be the product of the Internet insurance company that small insurance company appears newly perhaps bought? In case does the person go how does building sky do? Having this kind of concern is normal of course, install pa to say the thing about insurance company with respect to everybody today so.
From official channel for, at present China has many 150 insurance company, every company can roll out a few more competitive products, so we can choose some time a good insurance product, but how had not this insurance company listened truly, how can if the company closed down,the insurance that I buy do?
Bring the knowledge that I talk about on the problem that pa cares most from everybody:
Why had not I heard some insurance company?Insurance is in home is very large trade, what often hear besides us inside this is old 5 (the nation is birthday, restful, new China, too protect, peaceful health) outside insurance company, the add of add of 20 old land in the past still has a lot of particularly outstanding insurance company emerge in large numbers to come out. For instance big the daily life of a family has heard of life of person of risk of insurance of life of person of an ancient name for China, sunshine, numerous security, life, An Bangren birthday.
Below existing market environment, every company has his development strategy and program, some company emphasises are network channel sale for instance numerous security risk, some companies are good at enrolling business to believe Nuo for instance through phone sale, not be all companies can put in many advertisement, not all also insurance company has a lot of procuratorial groups, this created a lot of time, we had not heard some insurance company, this is normaller circumstance.
Sale adviser says the country does not allow insurance company to go bankrupt, be true?Do not listen to a salesperson to say not to allow insurance company to go bankrupt above all, insurance company can go bankrupt. See view law how set first:
" insurance law " the 92nd: The insurance company of business of insurance of management somebody life by lawfully cancel or by lawfully of suspend payment, its hold some life-insurance contracts and responsibility reserve, must make over the insurance company of business of insurance of life of other management somebody; Cannot reach those who make over an agreement with other insurance company, the insurance company that by insurance of the State Council supervisory administration appoints business of insurance of management somebody life is accepted make over.
That is to say insurance company is to be able to apply for to go bankrupt. Just look from actual condition, since reforming and opening, the insurance company of our country arrives from 2 development now 150, the global banking crisis that experienced for many times, had not happened to go bankrupt together during this case.
Insurer goes broke, how does the insurance that we buy do?Actually can need not worry, after be insurance company to go bankrupt, what what we buy is life-insurance also have legal safeguard, can compensate of as usual manage.
Be in the United States, after financial crisis happened 2008, closed down many 100 bank, include Lei Man to such whole worlds cast brother famously to close down all right and did not get national support, but American government denounce is gigantic endowment give aid to group of the United States' biggest insurance company AIG spends difficulty, explain the government has high attention to the security of insurance company.
According to the regulation of our country law, if insurer goes broke,close down, the insurance that we buy has two place. Should make over above all other be willing to accept the company that undertakes annex recombines. If do not have insurance company to be willing to take over, meeting appropriate has arranged the government, the country can appoint some insurance company to take over, the has actual strength very much insurance company that is national endowment commonly is mandatory take over.
Simple for, the insurance that everybody need not worry about him goes bankrupt because of insurance company be affected, according to the current practice of our country, all group sex event that involve the national economy and the people's livelihood, the country can undertake appropriate find a place for, and these are to jural proclaimed in writing is ensured.
The conduct financial transactions that I buy is safe, can you suffer an effect?After insurer goes broke, investment conduct financial transactions kind can be insurance product affected? Insurance of conduct financial transactions is to hold an insurance concurrently to ensure the insurance of as double as investment conduct financial transactions function, at present the danger of conduct financial transactions on the market basically has 3 kinds:
Danger of share out bonus: Share out bonus secure income is the management profit that comes from insurance company, if insurer went broke, the accrual of natural share out bonus was done not have, but the safeguard function of guarantee slip still exists.
Universal a place difficult of access: It is lifelong birthday danger + the form of individual investment account exists, one part insurance cost is used at die to ensure, user of one part insurance cost invests conduct financial transactions, universal a place difficult of access can have the profit that maintains a base, it is 2.5% above commonly.
Cast even danger: Guarantee slip is existence safeguard and conduct financial transactions likewise two account, the configuration that its invest account has radical model, dovish sex, conservative model can offer an alternative, need particular case concrete analysis.
A word, in Chinese silver the supervisory management of the meeting that keep watch falls, it is same that insurance company follows a bank substantially, affect social the people's livelihood, also concern economic base of the society, so everybody basically can be at ease. No matter small insurance company or big insurance company, as long as it is normal insurance company, have enough actual strength to be in charge of to guarantee slip.
For all that, install pa to suggest everybody does the government of good guarantee slip, if produced guarantee slip to transform other company really, everybody also wants advertent oneself rights and interests, maintain in time with new company communicate, lest we are bought the orphan guarantee slip that guarantee slip becomes unmanned bother about.
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Civil / install pa
HI, practitioner of my dispute insurance installs pa, rigorous romantic grain industry old father.
Here does not have advertisement, do not write soft article, have insurance knowledge and product evaluation only.
I can tell your insurance this archives with the simplest character child thing.
