Pan China Insurance Services Joins Hands with Great Wall Life Insurance and Others to Launch Fixed Life Insurance
leolli
发表于 2024-6-1 13:05:02
3382
0
0
On May 31st, Pan China Insurance Services teamed up with Great Wall Life Insurance, Swiss Re, and Pan China Puyi Home Office to launch a customized insurance product - "Huacheng Chuanjia" fixed life insurance.
Huacheng Chuanjia incorporates smoking behavior into pricing considerations and innovatively combines online video collection with non-invasive saliva testing. Consumers do not need to go to physical examination institutions or nurses for on-site physical examinations, achieving the freedom of testing methods in time and space.
Industry insiders say that with the decrease in predetermined interest rates, the savings function of insurance has weakened, and the protection function is becoming increasingly prominent. In this context, the attractiveness of traditional savings based insurance such as increased lifetime life insurance and annuity insurance has weakened, while fixed life insurance has gained further market recognition due to its unique dual function - it can not only transfer risks for customers but also assist in wealth inheritance.
Specifically, "Huacheng Chuanjia" fixed life insurance has the following highlights. One is the three tier premium, with precise pricing. Based on whether the insured smokes, the rates are subdivided into non-smoking rate, mixed rate, and smoking rate. The three levels of rates increase step by step, achieving precise pricing. Through friendly selection of non-smoking premium and insurance companies, as well as simple underwriting policies provided by reinsurance companies, customers can enjoy high-quality assurance services with higher cost-effectiveness.
The second is saliva testing, which is fast and safe. Huacheng Chuanjia integrates online testing into the insurance process, simplifying the insurance procedures and medical examination process, making it more time-saving and worry free for consumers to purchase insurance. In addition, the product integrates health management into the terms and prices of lifelong life insurance. For customers who are initially identified as "mixed rate" or "smoking rate", there is still an opportunity to reconsider the rate at the time of renewal, and they can renew their insurance at the "non-smoking rate". If smoking customers can successfully quit smoking, prices can be reduced by 10% or more, encouraging customers to self regulate and care for their health.
CandyLake.com 系信息发布平台,仅提供信息存储空间服务。
声明:该文观点仅代表作者本人,本文不代表CandyLake.com立场,且不构成建议,请谨慎对待。
声明:该文观点仅代表作者本人,本文不代表CandyLake.com立场,且不构成建议,请谨慎对待。
猜你喜欢
- Dehua Angu Life Insurance and Shuidi Insurance jointly launch "Yisheng Guardian" critical illness insurance
- The adjustment is effective but has not yet been "landed"! Xiaopeng Motors plans to launch more than 10 new cars in the next three years. Wang Fengying intends to challenge BYD with the "Great Wall" approach?
-
知名做空机构香橼研究(Citron Research)周四(11月21日)在社交媒体平台X上发布消息称,该公司已决定做空“比特币大户”微策略(Microstrategy)这家公司,并认为该公司已经将自己变身成为一家比特币投资基金 ...
- caffycat
- 昨天 11:18
- 支持
- 反对
- 回复
- 收藏
-
每经AI快讯,11月20日,文远知行宣布旗下自动驾驶环卫车S6与无人扫路机S1分别在新加坡滨海湾海岸大道与滨海艺术中心正式投入运营。据介绍,这是新加坡首个商业化运营的自动驾驶环卫项目。 ...
- star8699
- 3 天前
- 支持
- 反对
- 回复
- 收藏
-
上证报中国证券网讯(记者王子霖)11月20日,斗鱼发布2024年第三季度未经审计的财务报告。本季度斗鱼依托丰富的游戏内容生态,充分发挥主播资源和新业务潜力,持续为用户提供高质量的直播内容及游戏服务,进一步 ...
- goodfriendboy
- 3 天前
- 支持
- 反对
- 回复
- 收藏
-
人民网北京11月22日电 (记者栗翘楚、任妍)2024广州车展,在新能源汽车占据“半壁江山”的同时,正加速向智能网联新能源汽车全面过渡,随着“端到端”成为新宠,智能驾驶解决方案成为本届广州车展各大车企竞 ...
- 3233340
- 昨天 17:06
- 支持
- 反对
- 回复
- 收藏