What is investment linked insurance and what is investment linked insurance

Do you know that there is investment-linked insurance with guaranteed returns?

Investment-linked insurance is a new type of whole life insurance.

Investment-linked insurance, also known as variable life insurance, is the death benefit and cash value.

It can be changed, and it integrates investment and security. In terms of investment, it specifically means that the insurance company will use the insurance premium of the insurer to invest and obtain a certain return. In terms of protection, it specifically means that the insured will receive a certain amount of compensation from the insurance company if he dies due to cause during the insurance period, and at the same time, the insured can also obtain critical illness in the form of additional insurance.

and other guarantees.

Investment-linked insurance is a new type of insurance that combines the function of financing and covering the smock insurance with the investment function. Set up multiple accounts such as income account, development account and ** account. Each account has a different investment portfolio, a different return rate, and different investment risks.

Since the investment account does not promise a return on investment, the insurance company will collect all the investment proceeds after charging an asset management fee.

and investment losses are borne by the customer.

Investment-linked insurance is a new type of insurance that combines insurance and investment functions. Set up multiple accounts such as income account, development account and ** account. Each account has a different investment portfolio, which means different returns and different investment risks.

Since the investment account does not promise a return on investment, the insurance company will bear all the investment gains and investment losses after charging the asset management fee.

By taking full advantage of expert wealth management (some people in the industry call it experts working for themselves), customers can bear the risk of investment losses while obtaining high returns. Therefore, investment-linked insurance is suitable for those who have a rational investment philosophy, pursue high returns on assets, and have a high risk tolerance.

Investment-linked insurance refers to investment-linked insurance, also known as unit-linked, **linked, and variable life insurance.

As the name suggests, investment-linked insurance is an investment-linked insurance that means that the value of an insurance policy at any time when it is offered for life insurance before withdrawal is determined based on the investment performance of its investment** at that time.

Here, I would like to remind everyone that there is a risk of losing the premiums paid when purchasing investment-linked insurance, so you must be cautious when buying it.

The simple explanation is that the insurance company earns, you earn, otherwise, the insurance company pays, and your predetermined income is not guaranteed! There is something similar to the nature of investment! There are gains and losses!

For related questions, you can log on to the official websites of the China Insurance Regulatory Commission and major insurance companies for understanding and consultation.

Hello, the full name is investment-linked insurance, suitable for customers with risk tolerance!

Highly profitable investment-linked accounts.

It can be understood as the insurance company's.

The official name of the so-called investment-linked insurance is "variable life insurance". As the name suggests, the biggest feature of investment-linked insurance is that the death benefit and cash value are variable. ILAS is a new form of whole life insurance product that combines protection and investment.

The protection is mainly reflected in the accidental death of the insured during the insurance period, and the death benefit paid by the insurance company will be obtained, and at the same time, the user can also obtain other protection such as critical illness through the form of investment-linked supplementary insurance. The investment aspect refers to the fact that the insurance company uses the premiums paid by the policyholder to invest and obtain income.

Invest in life-linked insuranceIt refers to insurance that has the function of insurance protection and establishes at least one investment account for the insured, and the investment account has a certain asset value.

The investment account of the ILS must be a fund account with separate asset management. Investment accounts are divided into equal units, and the value of the units is determined by the number of units and the market value of the assets or portfolio of assets in the investment account. The policyholder can choose its investment account, and the investment risk is entirely borne by the policyholder.

Unless otherwise specified, there shall be no creditor's rights or debts between the investment account of the investment-linked insurance company and other assets or other investment accounts under its management, and it shall not be jointly and severally liable.

The policy cash value of investment-linked insurance products matches the assets of the separate investment cover account, and the cash value is directly linked to the investment performance of the assets of the separate account, and there is generally no minimum guarantee. In general, the assets of an investment account are protected from the remaining liabilities of the insurance company, and capital gains or losses, if they occur, are directly reflected in the cash value of the policy, regardless of whether they are realised or not. Different investment accounts can be invested in different investment instruments, such as **, bonds, etc.

The investment account can be an existing external account or it can be set up by the company itself. In addition to a variety of special categories** for policyholders to choose from, the principles established by life insurance companies, portfolio investment is also very popular. Under certain conditions, policyholders can freely switch between different accounts without paying additional fees.