1. Ruihua Xinrui Insurance is a legitimate insurance company registered with the China Insurance Regulatory Commission. Thus, it can be considered reliable.

2. However, as with any company, it is important to do your own research and due diligence before investing. This includes reading reviews, checking the company's financial statements and consulting with a financial advisor.

3. There have been some concerns raised about Ruihua Xinrui Insurance in the past. For instance, in 2018, a customer complained about the company's customer service, alleging that she was not adequately compensated for an accident. Nevertheless, it is important to note that every company can face negative reviews and complaints from customers.

4. In general, Ruihua Xinrui Insurance appears to have a good reputation within the industry. It has won several awards for its products and services and has been recognized by various industry publications. Furthermore, it has a strong financial background and a diverse portfolio of insurance products to offer.

5. Overall, it can be concluded that Ruihua Xinrui Insurance is reliable and that it is a legitimate option for those seeking insurance in China. However, as with any financial investment, it is important to be cautious and informed before making any decisions.