法律

Life insurance is one of life insurance, insurance accident of birth, death is a personal insurance. When insurant lives when insurance accident happens, the underwriter pays insurance gold. Original life-insurance it is to ensure that the death due to the unpredictable may cause economic burden, later, life insurance in the composition and so on savings in insurance expires still live, the insurance company will pay the insurance contract. Insurance is a kind of social security system, people's life in the body of the insurance business for insurance object. For each person, death, disability or illness, such is the life danger, we called personal risk.
Life insurance can be divided into risk safeguard insurance and investment banking type life-insurance. Risk safeguard insurance tended to safeguard people's existence or the risk of death. Investment banking type life-insurance product focuses on investment banking, insurant can also obtain the function which traditional life. This type of insurance of insurance of share out bonus, can be divided into investment is concatenate insurance and insurance. Insurance of share out bonus
Insurance of share out bonus in acquiring the policyholder insurance, insurance company can obtain the dividends, namely with insurance company business success. This insurance is against inflation and interest rate of the main danger. Insurance of share out bonus of dividends derived from "bad" three major difference and die, spread: poor fee. Interest rate is insurance company's actual investment and the difference ween the yields scheduled to income or losses, Death is scheduled mortality and actual mortality difference of income or losses caused, Fee is insurance company reserve ratio and the difference ween the actual rate of income or losses caused. Generally speaking, in the insurance market, insurance company and fee sent ween death and dividend mainly come from the difference in interest income.
Investment is concatenate insurance policy holder in insurance, for at least one investment account has certain value of assets. Investment is concatenate insurance premium of insurance company in death risk premium, after deducting the rest of the customer directly transfer investment account, insurance company is according to the customer prior choice of investment and investment channels of investment, investment income directly affect the pension funds. Customer
Universal life insurance cost of elasticity, transparent, can invest characteristics. During the period of insurance premium, can guarantee slip holder needs and economic conditions change, policy-holder can even temporarily postpone, stop, and pay insurance premium of insurance amount change. Universal life insurance policy with cash value will be linked to investment, insurance company pays amount according to the current period, the insurance cost, then such variables as cash value determined, and the investment income distribution to all the policyholder written report.
TouZiLei insurance investment share out bonus or characteristic of the supplementary functions, but only investment risks and benefits is. For TouZiLei insurance investment returns, and indeed there may be certain part, but at the same time, will meet low returns. On the other hand, fundamentally, the so-called TouZiLei insurance, the insurance is more strong investment, it contains only the stronger investment function, still not completely significance of investment. Insurance financial tools, become main or because it can be in need to give policy-holder provided economic payment. Although have the insurance products with investment function, but it is the most fundamental and most important or security function.