Distribution of electricity quotient, life insurance financial transformation

Life-rich flower annuity insurance (dividend type) won the sixth annual China Insurance Innovation Award Best Financial Insurance Product Award.

Shen Wen

A few days ago, life life Insurance officially announced the online e-business project, which marked life life in the "electronic commerce, to seize financial services innovation and the future market competition in the commanding heights of strategic decision-making," the strategic goal of another important step.

Accelerate the comprehensive financial transformation

The introduction of E-commerce platform, is undoubtedly just passed the 10 birthday of life insurance another innovation. Over the past year, life insurance has been innovative.

Last November, Life Life was the first pilot in Shenzhen to launch a "mobile security" service, which is another electronic service after the "mobile exhibition".

And the launch of E-commerce platform, is the insurance integrated E-commerce site to create a set of user management, online sales, online services, product promotion and brand promotion as one platform. This will help to achieve life insurance website from the traditional brand propaganda site to E-commerce site conversion, is not only the company's information construction in the major achievements, but also for the future "integrated financial services platform" to build a solid foundation.

To the comprehensive financial transformation, is undoubtedly the future important strategic goal of life insurance.

Life Insurance Co., Ltd. was established in March 4, 2002, the shareholders from Shenzhen Fu Tak Financial Investment Holdings Limited, Shenzhen Huaxin Investment Holding Co., Ltd., such as the formation of strong funds. According to the CIRC, 2012 life insurance to achieve a premium income of 24.49 billion yuan (under the new accounting Standards), ranked eighth among all insurance companies.

In the first half of 2012, life in the group construction has taken a solid step: the life of the Corps in the original life and life of the capital Management company on the basis of the Huaxin property insurance company, five-star insurance sales company opened successively, Hong Kong Asset Management company has been allowed to prepare, the life insurance group structure has been preliminarily formed, Group planning and financing work is also in intensive progress, a new insurance group is ready to be. While maintaining the normal operation of the existing management mode, life life is striving to build up the group management platform, through the gradual optimization of the group structure, straighten out the relationships among the group, life Insurance Company and other professional subsidiaries, and pave the way for the following group management.

Solvency up to 181%

At the same time as accelerating the comprehensive financial transformation, life life at the end of last year also completed the replenishment. According to the notice of the CIRC last year, the registered capital of life insurance was changed to 10.775 billion yuan. The previous Life Insurance 2011 Annual report showed that its registered capital of 7.332 billion yuan, the increase in the amount of up to 3.443 billion yuan.

With the registered capital of Life life insurance breakthrough 10 billion, it has become one of the most capital-strength life insurance companies in unlisted insurance companies, which provides sufficient ammunition for the subsequent development of the life lives. At present, life Insurance has a solvency adequacy ratio of 181% to meet regulatory requirements for adequate solvency of regulatory standards, and the company has been profitable for three consecutive years, is gradually forming a capital self-replenishment mechanism. In terms of investment ability, as of the first half of 2012, life Insurance's stock investment ability, credit rating ability, equity investment ability, real estate investment ability, infrastructure debt investment plan product innovation ability, real estate investment plan product innovation investment ability and overseas investment and so on seven funds utilization ability have been approved for the record. The channel of life funds is expanded, the ability to control investment is gradually enhanced, and the level of investment management has been greatly improved.

Insurance Product Innovation constantly

In the continuous transformation of the company's structure at the same time, life insurance does not forget the nature of security, in the insurance products continue to innovate, for the insured to contribute a lot of excellent insurance products.

In view of the maturing status of the insurance customers, the life product research and development team find the reason from the market supply side, will develop the product that the customer really needs as the core idea of product innovation. Two years ago, life insurance completed the change of cash dividends to the dividend, through the product to achieve a rapid business breakthrough.

Since then, life insurance does not stop the pace of innovation, but also the creation of a guaranteed amount of dividends and the combination of the universal account of the "rich and Mighty", "Rich and noble flower" products.

In the "2010 China Insurance Innovation Product Selection" sponsored by "China Insurance daily" and Zhong Bao Network, The Life Life insurance product "life and wealth all-round annuity insurance" stands out in more than 60 life insurance companies ' 200 balance products, and won the Special Innovation Award "the most brand reputation insurance products". Here, life insurance product innovation ability has been recognized by the industry. The product is a set of guaranteed amount of dividends and the universal Gold account as one of the innovative products, with a hesitant expiration that return, the universal account flexible collar, human love and care of the same characteristics, after the listing is highly recognized by the market.

In the fourth session of China Insurance culture and brand Innovation Forum and the China Insurance Innovation Award ceremony, Life Life products again bear fruit: life-rich flower annuity insurance (dividend type) won the best Financial Insurance product Award. Life-rich flower annuity insurance (dividend type) as a financial and security to meet the dual needs of financial products, the strong response in the market has been highly appreciated.

In addition, life development of a new generation of universal products "big winner" has both the security and financial functions, fully embodies the life of product innovation capabilities.

Honest Service Efficient claims

Insurance, not only the product, but also the need for good service. Life lives through providing insurance and wealth management to customers to enhance the life and value of life, will be moved and love continuously to the hands of customers, Hearts.

Last October 9, Ms. Wang and daughter Lu Xiaojie to Life Insurance Co., Ltd. Shanghai branch filed claims, three days after the completion of the settlement of the speed they moved unceasingly. Ms. Wang, a family living in Hongkou, Shanghai, is a financial practitioner with a happy and prosperous life. October 2009, in order to add a protection to life, Mr. Lu to the insured life insurance products for their lives to take off both insurance (b) (dividend type), insured amount of 191400 yuan, each period of 20000 yuan, payment 10 years. June 9, 2012, Mr. Lu and friends to Hainan Sanya Tourism, June 11 around 9 o'clock in the evening in Sanya Bay, the sea in the opposite of the international holiday Hotel in the ocean, unfortunately by the waves swept away, accompanied by friends immediately report, to the evening 10 o'clock more than Mr. Lv was search and rescue ashore, at this time to the hospital is too late. Life is only once, like the Shanlun of out-of-print movies, one second in the joy, the next moment may become a farewell.

The accident that broke into it, let the family in deep sorrow. and a life insurance policy, so that the injured family feel the truth. June 22, life insurance Shanghai branch received life life insurance Company transferred to claim information, immediately with the daughter of the insured Lu Xiaojie contact, the claims in detail to inform the application of claims required information, but Miss Lu said there is no time to submit application data, is expected to October or so. In such cases, life insurance Shanghai Branch of the case of the claims did not stop, immediately launched an investigation and commissioned the life of the Hainan branch investigation. Due to the front of the claims work, when the beneficiary Wang and Lu Xiaojie on October 9, after the formal application for claims, only three days to settle the settlement according to the contract, the insured amount of three times times to pay the death insurance, while paying the death interest of 702.40 yuan, pay dividends 751.14 yuan, the total payment of 575773.54 yuan. Life insurance Shanghai Branch with sincere service to practice the "sincerity in the heart, outside the letter in line" business philosophy, won the customer affirmation and trust.