Hello everyone, I'm Data Jun.
This article was actually written last Sunday and planned to be published this Tuesday, but there are still many outstanding issues in the article that bother me, so as not to cause misunderstanding, I have deleted 60% of the content.
Last week, I wrote an article on the Internet life insurance management measures, which mentioned that the insurance department that carries out the Internet life insurance business needs to complete the rectification of the existing Internet business before the end of December, remove those that do not meet the requirements, re-remove the product filing if it meets the requirements, and remove those that do not meet the cost rate pricing requirements.
However, the criteria related to the solvency and risk comprehensive rating of the insurance department are a dynamic indicator, and the solvency and the comprehensive risk rating of the insurance department in the third quarter and the risk comprehensive rating in the second quarter have not been disclosed until about the 30th of last month.
At this point, the insurance department that can carry out Internet business, especially the savings insurance business with a period of 10 years and above, has been determined.
The first is Everbright Sun Life: Meet the standard! Previously met 2 years of cumulative 6 quarters of a, now also meets the 4 consecutive quarters of risk composite rating of a. Now it seems that the policy of not a for 4 consecutive quarters but 6 quarters for 2 years is also up to standard is actually tailor-made for Everbright Sun Life and ICBC AXA.
Then there is Tongfang Global Life: reaching the standard, it has just paid a comprehensive compensation surplus of more than 3 billion yuan for 4 consecutive quarters.
That is to say, the number of the first batch of savings insurance business that meets the needs of the Internet has increased to 22.
Baoshi that meets the first 3 conditions:
Ping An Life, Chinese Life, Taikang Life, Taibao Life, New China Life, Taiping Life, PICC Life, AIA Life, Sunshine Life, Minsheng Life, Guohua Life, Sino-US United Thai, CITIC Prudential, China Merchants Cigna, Zhonghong Life, ICBC AXA, BOCOM Life, Hengan Standard, Zhongying Life, Great Wall Life, Everbright Sun Life, Tongfang Global
Then the above 22 insurance companies that meet the conditions and have now carried out Internet savings insurance business through non-bancassurance channels are as follows:
After saying that the above meets the requirements, let's take a look at the insurance company that has carried out Internet savings insurance business in non-bancassurance channels but does not meet the conditions and cannot continue to sell from next year:
If you are not satisfied, you will turn to offline sales, but there are not many offline business outlets of the small and medium-sized insurance division, many of which are less than 5 in the country, such as Hengqin only in Guangdong, Shenzhen and Jiangsu, Hongkang only 4, Love Life only 5, Xinmei only 1 in Beijing...
Basically, they are all laid out in Beijing, Jiangsu, Guangdong and Shanghai, especially Beijing and Jiangsu are the most. In other words, customers who are not in the above branch offices will no longer be able to insure the above batch of cost-effective savings insurance online.
The rest of the content is still 60% of the content will not be sent in order to avoid misunderstanding, and then send it when the policy is clear, especially many of the life and death issues related to insurance self-media.
See you in the next issue!