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The insurance company has closed down. Is my money paid?

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

In addition to buying a house and buying a car, some friends choose insurance to maintain the value of their assets. Some friends can't help but have a question: If the insurance company goes bankrupt, isn't the money I paid? Rong 360 (fangdai123) talk about the things you care about.

Will the insurance company fail?

Under normal circumstances, in the case of the company's business failure, the company owner will often protect his property by filing for bankruptcy.

However, the people have worked hard to pay their premiums with their hard-earned money. When there is no insurance, the insurance company does not need to pay any price; once the insurance company applies for bankruptcy, the hard-earned money of the people is not beaten.

The focus is on:If the insurance company goes bankrupt, it needs to pass the approval of the China Insurance Regulatory Commission.

What should I do if my insurance company cannot continue to operate?

Similar to banks, insurance companies pay a reserve to the China Insurance Regulatory Commission at the beginning of its establishment. When the insurance company fails to operate, the China Insurance Regulatory Commission will use the money to explain to the customers and reduce the losses of the people. As insurance companies continue to grow and develop, the reserves will increase, otherwise the China Insurance Regulatory Commission will limit the sales of insurance companies.

In addition, when an insurance company has financial difficulties, there will usually be another insurance company to merge it, and the debt will be transferred to another company. If no company is willing to take over, the China Insurance Regulatory Commission will designate a company to receive debts. Contract to claim. For example, if you buy insurance at Company A, after half a year, Company A is acquired by Company B because of poor management. You can take your policy to Company B for compensation, so that you have anything to worry about.

Rong 360 summaryCompared with buying a car, buying a house, buying stocks, etc., insurance can not give you a higher return, but in case of problems, you can give you a guarantee to make your life more secure.

"When the loan is overdue, it will be blacklisted? Don't worry, here is the repair Daquan, pay attention to the "Fin 360 loan" (fangdai123) micro-signal, reply to the "blacklist" tell you what to do.

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