Information > Loan Raiders topic >  text

Is the insurance company gone down and my money is in vain?

Time: 2016-12-13         Source: melt 360 original         Author: Jeff

In addition to buying a house, buying a car, some friends choose insurance to keep their assets worth. Some friends can not help but have a question: If the insurance company closed down, I would not pay the money to pay it?Melt 360(Fangdai123) that you care about those things.

Will the insurance company fail?

Often, where the company does not go on, the company owner often protects its property by applying for bankruptcy.

However, the people worked hard to pay their own hard-earned money to pay premium, in the absence of risk, the insurance company does not need to pay any price; once the risk, insurance companies apply for bankruptcy, then the people's hard-earned money is not drifting.

Focus on:If the insurance company goes bankrupt, it needs the approval of the CIRC.

What does the insurance company do?

Similar to the bank, the insurance company will be set up at the beginning of the depositary to pay a reserve. When the insurance company does not go on, the CIRC will come up with the money to the customer account, to reduce the loss of the people. As the insurance companies continue to grow and develop, the reserves will increase, otherwise the CIRC will limit the sales of insurance companies.

In addition, when the insurance company in the event of economic difficulties, the general will have another insurance company for its acquisition, the debt will be transferred to another company; if no company is willing to access disk, the CIRC will appoint a company to accept the debt, you can take Contract to claim. For example, if you buy insurance at company A, six months after A company because of poor management, B company mergers and acquisitions, you can hold your policy to the company B claim, so what can you worry about it.

Fusion 360 summary: Relative to the car, buy a house, buy stocks and other investment methods, although insurance can not give you a higher return, but in the event of a problem, you can give you a guarantee to make your life more at ease.

"loanWill the blacklist be overdue? Do not worry, there are repair Daquan ", concerned about" financial 360Mortgage"(Fangdai123) micro signal, reply to" blacklist "tell you how to do it

【Exclusive manuscripts and disclaimers】 Any work that engages in "360 originals" shall not be reproduced, excerpted or taken in any other manner by any unit, organization and individual without the written permission of the financial entity. Has been authorized in writing, indicating the source of financial 360. Violation of the above statement on the financial rights and interests of financial infringement, will be held in accordance with their legal responsibility. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization please send an email to:

Comment list (User comments only for users to express their views, does not mean that this site agree with their views or confirm their description)
you may also like
  • How to use health insurance correctly? Do not let the money go!  One of the five insurance premiums we paid is medical insurance, the proportion of payment in each region is different, such as the Beijing area units and individuals were paid 10% and 2%, Shanghai units and individuals were 11% and 2%. Many people have been paying for Medicare but will not be properly used, money ...
  • Is the insurance company failing to keep the policy in hand?  Was the platform of the world runway, business retreat scared? Buy insurance friends you have not thought about the collapse of insurance companies. Such as this: If the insurance company closed down, the hands of the policy is not to become a waste paper? In fact, your worries are redundant. in China...
  • Will the insurance company fail? How to buy these three kinds of insurance are not wrong  1, insurance companies will collapse? How did the insurance company close my policy? May many of my friends have such a question, the insurance company will fail, the insurance company closed down our policy how to do? In order to lift everyone's doubts, Xiaobian also consult the relevant experts ...
  • Not used these features, your social security are white cross  This article is the Department of financial 360 column of small brother to read the original works, only on behalf of the author's personal point of view, does not mean that the official position 360, reproduced, please contact author author. Many people think that the social security card is just a health insurance card, often only when the hospital to buy medicine when it remembered it. ...
  • If the bank goes bankrupt, can the money in the bank come back?  In 2016 Lujiazui forum, the central bank vice president Zhang Tao made the following statement: What is a stable financial order? Not to protect the financial industry, every institution does not fail, not any risk; but the emergence of business risks, or failure of financial institutions ...