1, if the insurance company goes bankrupt, it will be merged by other companies, and the policy is still valid. But those who buy dividends have no dividends at all.

2. If there is an insurance contract, it shall be supervised by the CIRC. If you are worried, it is better to choose a big company.

If someone tells you that everything you bought is fake, but it is insured. The most important thing about insurance is that it suits you best.

4. Same as above. Suiting yourself is the most important thing. I suggest you find a professional insurance agent to analyze it for you. To buy insurance, you must first have accidents and serious illnesses, and then buy pensions and dividends. Buy investment if you have spare money. Generally, you can buy it, and your annual income has exceeded 200,000.

Claims are similar, friends are relatively fast, and logistics is better.

I would say China Life. Dividends are the best of all insurance companies. The compensation capacity is five times that of the national standard. And it is controlled by the State Council, so don't worry at all.

Compare the types of insurance. Youbang's janitor life, 30-year-old male, 4000/ year (figures slightly different) for 20 years. 65438+ million insured amount. Death, high disability and 30 kinds of serious diseases all paid 65438+ 10,000. Keep it until you are 80 years old. For those three situations between 60 and 80 years old, pay 20% more, which is1.2000. If nothing happens. Get back 65438+ ten thousand at the age of 80.

China Life Kangning, male, 30 years old, paid 7500 yuan/year, 20 years, 65438+ 10,000 yuan.

High disability, 3 deaths, 2 major diseases 10. Lifetime warranty. People will die, that is, pay your children three times.

There is also a Corning regular, 30-year-old male pays 2500/ year, and the 20-year insurance amount is 65438+ 10,000.

The main compensation for high disability and death 10 covers 65,438+10,000. Keep it until you are 75 years old. If nothing happens, get back the premium paid, that is, 50 thousand.

Compare it. It's hard to compare. Actuaries have already done it. It's all the same, and the price is guaranteed for one point. Actually, China Life is a little cheaper. And AIA is the most expensive of all insurance companies.

I type with all my hands. If you are from Guangzhou, you can contact me.