Life is the life of the subject matter of insurance, health and death insurance for a personal accident insurance. When the insured person's life insurance in the accident, from insurers to pay insurance premiums. The initial life insurance is to protect because of the unpredictability of death may cause the financial burden, and later, life insurance savings in the introduction of the ingredients, so in the insurance expires when the people are alive, the insurance company will pay the insurance agreement Gold. Life is a social security system, a person's life insurance physical object for the insurance business. For each individual, death, old age, disability, disease, and so are living in dangerous, we called personal risk.
Life can be divided into risk protection of life insurance and finance and investment-type life insurance. Risk protection of life insurance emphasis on the protection of the risk of death or survival. Finance and investment-based life insurance products focused on finance and investment, the insured person can also have access to traditional life insurance by the function. The type of insurance can be divided into dividends insurance, investment insurance and universal life insurance link. Insurance dividends
Dividends insurance policy holders in obtaining insurance coverage, access to the insurance company dividends, and insurance companies to share operating results. The insurance against inflation and is the main types of changes in interest rates. Bonus dividend comes mainly from the insurance "three poor": interest rate spread, die poor and for worse. Spreads the insurance company is the actual rate of return on investments and the expected rate of return on investments led to the difference between the income or loss; death is scheduled to poor mortality and the mortality difference between the actual result of gains or losses for the insurance company is scheduled to poor rate and the cost of actual costs The difference between the result of gains or losses. Generally speaking, the norms of the insurance market, insurance companies and the difference between the death difference for poor little dividend income comes mainly from interest rate differentials.
Investment links insurance policy holders in obtaining insurance coverage, at least in an investment account with a certain value of the assets. Investment links insurance premiums deducted from insurance companies in the insurance risk of death, the remainder of the direct transfer of customer investment accounts, insurance companies, according to the customer in advance of investment choices and investment channels for investment, investment income, the direct impact on the amount of pensions .
Universal life insurance flexible, cost-transparent, investment characteristics. Insurance, the insurance premium as the policy holder can demand and economic conditions change, the insured can even temporarily Huanjiao, stop pay premiums, thus changing the amount of insurance. Universal life insurance policies will be in cash value and investment returns linked to the insurance company paid the amount in accordance with the current period, the cost of the current period, then cash value of insurance policies and other variables determine the allocation of investment income, and to all policy holders a written report.
Investment insurance specific investments or dividends only with its functional, and investment risks and benefits of co-exist. The return on investment insurance, investment is likely to be part of a certain return, but at the same time, will also have low returns. On the other hand, fundamentally speaking, the so-called investment insurance, investment is more insurance, it only contains a stronger investment functions, is not entirely meaningful investment. Insurance has become a financial management tool, mainly because it can be necessary to provide to the policyholder on the economic benefits. Although there are incidental features of the investment of insurance products, but its most basic and most important thing is to protect function.
Key words: investment-risk insurance dividends for universal insurance company risk (risk investment links)
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