CILJF (China Life Insurance Co) Claims Ratio %: 0.00% (As of . 20)

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CILJF China Life Insurance Co Ltd CILJF
65 GF Score
Price $3.73
GF Value $4.07
Valuation Fairly Valued
! 1 Warning Sign
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What is China Life Insurance Co Claims Ratio %?

China Life Insurance Co CILJF -0.67% 65 Claims Ratio % is 0.00% as of . 20. GuruFocus rates CILJF with a GF Score™ of 65/100 and a GF Value™ of $4.07 (Fairly Valued). The stock has 1 warning sign investors should review.

Claims Ratio % is the percentage of claims costs incurred in relation to the premiums earned.

The historical rank and industry rank for China Life Insurance Co's Claims Ratio % or its related term are showing as below:

CILJF's Claims Ratio % is not ranked *
in the Insurance industry.
Industry Median:
* Ranked among companies with meaningful Claims Ratio % only.

China Life Insurance Co  (OTCPK:CILJF) Claims Ratio % Explanation

Claims Ratio % the percentage of claims costs incurred in relation to the premiums earned during the period. It is the equivalent of gross profit margin for an insurance company.

It's important to note that insurance is the business of managing risks and, to do that well, the insurer needs a thorough understanding of the incurred claims ratio. If the value is higher than expected or above established norms, then further investigation is required to figure out why that is (eg: fraud). If it is lower than expected, it could indicate irrelevant products or difficulties in claiming, possibly affecting customer satisfaction.

China Life Insurance Co Claims Ratio % Related Terms

China Life Insurance Co Claims Ratio % Historical Data

* Premium members only.

The historical data trend for China Life Insurance Co's Claims Ratio % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

China Life Insurance Co Claims Ratio % Chart


CILJF
65GF Score
China Life Insurance Co Ltd CILJF
Claims Ratio % is just one metric. See GF Score™, valuation, warning signs, and more.
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China Life Insurance Co  (OTCPK:CILJF) Claims Ratio % Calculation

Claims Ratio % is calculated as

Claims Ratio %=Total Claims / Total Premiums Earned * 100%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions
What does a Claims Ratio % of 0.00% mean?
China Life Insurance Co (CILJF) has a Claims Ratio % of 0.00% as of . 20. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on China Life Insurance Co and its competitors.
Is China Life Insurance Co's Claims Ratio % too high?
China Life Insurance Co's current Claims Ratio % is 0.00%. Overall, China Life Insurance Co has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's Claims Ratio % compare to AFL and MET?
China Life Insurance Co's Claims Ratio % of 0.00% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Claims Ratio % for an Insurance company?
A good Claims Ratio % depends on the Insurance industry context. However, Claims Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Claims Ratio % mean?
A high Claims Ratio % can signal that a stock is expensive relative to its fundamentals. Claims Ratio is the percentage of claims costs incurred in relation to the premiums earned. View historical data on China Life Insurance Co and its competitors. China Life Insurance Co's current Claims Ratio % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, China Life Insurance Co (CILJF) is currently considered Fairly Valued. The stock's GF Value™ is $4.07, compared to a current price of $3.73 — trading 8.5% below its estimated fair value. The current Claims Ratio % is 0.00%. China Life Insurance Co's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Claims Ratio % calculated?
Claims Ratio % is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current Claims Ratio % is 0.00% as of . 20. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is China Life Insurance Co (CILJF) Overvalued in 2026?

Based on GuruFocus' analysis, China Life Insurance Co stock appears to be undervalued. The current stock price of $3.73 is trading 8.5% below its estimated GF Value™ of $4.07. GuruFocus considers China Life Insurance Co to be Fairly Valued.

Key valuation signals for CILJF:

  • Claims Ratio %: 0.00%
  • GF Value™: $4.07 vs. price of $3.73 (8.5% below fair value)
  • GF Score™: 65/100 with 1 warning sign

No single metric tells the full story. See the CILJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

China Life Insurance Co Business Description

Address 16, Financial Street, Xicheng District, Beijing, CHN, 100033
As the largest life insurance company in China, China Life commands about 16% market share by end-2024. The firm offers group and individual life insurance through exclusive agents, bancassurance, and other marketing platforms. While the bulk of profits stem from life insurance policies, additional operations include short-term policies such as accident and health insurance. The company is focusing on building a senior-care ecosystem and reforming a new agent team for long-term growth.
65GF Score

Get the complete analysis for CILJF

Claims Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.73
Price
$4.07
GF Value