The possibility and inevitability of insurance investment

Insurance is a method of risk avoidance, a part of a financial portfolio, and it cannot be regarded as an investment. If you want to open an insurance company, it's a good investment direction.

Hehe, first of all, did you vote for it yourself?

Summary. Investment insurance is a branch of life insurance, this kind of insurance is an innovative life insurance, originally designed by Western countries to prevent economic fluctuations or inflation from causing losses to long-term life insurance, and then evolved into a financial investment tool for customers and insurance companies to share risks and benefits.

There are three types of investment insurance: participating insurance, universal life insurance, and investment-linked insurance. Among them, the investment strategy of participating insurance is more conservative, and the income is the lowest compared with other investment insurance, but the risk is also the lowest; Universal life insurance sets up a guaranteed income, the insurance company's investment strategy is medium and long-term growth, the main investment tools are treasury bonds, corporate bonds, large bank agreement deposits, **investment**, flexible access and considerable returns; The main investment tool of investment-linked insurance is the same as universal insurance, but the investment strategy is relatively aggressive and there is no guaranteed return, so there is a greater risk, but the potential appreciation is also the largest.

Pros and cons of investment-based insurance.

If you want to use insurance to increase your funds, then the advantages and disadvantages of insurance investment should be your first consideration, so that you can make better financial choices. The disadvantages of insurance and wealth management are that the investment period is long and the liquidity of funds is poor; The advantages are to reduce the financial risk of the individual in the event of a crisis and to ensure that the individual's assets do not shrink.

What is investment insurance and who is it for?

Investment insurance is suitable for everyone. At present, the investment insurance products in the market mainly include participating insurance, universal insurance and investment-linked insurance: participating insurance is mainly suitable for policyholders with low risk tolerance and stable financial needs; Universal insurance is suitable for policyholders with greater demand elasticity, low risk tolerance, and more choices in insurance products; Investment-linked insurance, on the other hand, is suitable for investors with higher incomes, mature investment ideas, high returns on assets and higher risk tolerance.

Investment insurance is a branch of life insurance, this kind of insurance is an innovative life insurance, originally designed by Western countries to prevent economic fluctuations or inflation from causing losses to long-term life insurance, and then evolved into a financial investment tool for customers and insurance companies to share risks and benefits. There are three types of investment insurance: participating insurance, universal life insurance, and investment-linked insurance.

Among them, the investment strategy of participating insurance is more conservative, and the income is the lowest compared with other investment insurance, but the risk is also the lowest; Universal life insurance sets up a guaranteed income, the insurance company's investment strategy is medium and long-term growth, the main investment tools are treasury bonds, corporate bonds, large bank agreement deposits, **investment**, flexible access and considerable returns; The main investment tool of investment-linked insurance is the same as universal insurance, but the investment strategy is relatively aggressive and there is no guaranteed return, so there is a greater risk, but the potential appreciation is also the largest. Thank you.

It is necessary to buy insurance. Buying insurance mainly has the functions of avoiding and transferring risks, reducing medical losses, saving, mortgages, investment, and retirement compensation.

1. Avoid and transfer risks: avoid risks and prevent accidents after you can use insurance to protect yourself.

2. Reduce medical losses: With medical insurance as a guarantee, the burden of medical expenses can be alleviated.

3. Savings function: life insurance premiums with cash value are essentially the savings of insurance companies. When you encounter financial difficulties, you can use this money to tide over the difficulties.

4. Mortgage: Some insurance can also be used as a mortgage, if you are in urgent need of funds, you can mortgage the insurance policy in the corresponding insurance company and obtain a loan from the insurance company.

5. Investment role: Compared with higher risk ** and bonds, the investment risk of buying insurance is lower, such as life insurance in insurance products, life insurance has a special mandatory savings function.

6. Retirement compensation: for example, in pension insurance, the policyholder pays the insurance premium in aggregate until the insured reaches the specified retirement age; The insurer pays the insurance benefits to the retired insured on a regular basis or in a lump sum, and the insurance terminates when the insured dies or has paid all the insurance benefits in a lump sum.

Test your anti-risk index, experts will interpret it for you for free!

Answer]: Talk about the importance of investment in insurance business from foreign experience.

From the perspective of foreign experience, the important position of investment in insurance business is manifested in the following aspects:

1) Investment is one of the main business operations of insurance business;

2) Investment is an important part of an insurance company's income**;

3) Investment is an important means to expand the social impact of insurance.

There is a presence in the current market. According to the definition of the Insurance Law, insurance in the narrow sense refers to the commercial insurance behavior in which the policyholder pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating for the property damage caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, is sick, or reaches the age and time limit agreed in the contract.

Insurance in a broad sense refers to an economic security system in which the insurer collects insurance premiums from the policyholder, establishes a special-purpose insurance, and bears the responsibility for compensation or payment within the scope of the law or contract for the policyholder. Either way, an insurance contract is essentially a VAM agreement, a bet between money and risk. In fact, an insurance contract can be regarded as a form of option, in which the policyholder's premium is equivalent to the option premium, and the subject matter of the contract is the corresponding property value, or the health status of the insured.

Some people may think that the subject of an option is cash or its equivalent (such as stock price, ** price, etc.), which is different from health status, life length, etc.; However, through actuarial and other means, insurance companies are transforming these things that are not easy to value into value that can be measured in cash. Because the current market still lacks effective valuation of common insurance objects, insurance companies are able to provide such services, especially in life insurance. This is an important factor that distinguishes insurance companies from other institutions, and it is also the basis for insurance contracts to be more expensive than option contracts.

In fact, there is no clear demarcation line between the reinsurance business of insurance companies and the assetization business of investment banks. This means that insurance companies can be "investment banks", and investment banks can also be "insurance companies". The gradual maturity of the market will eventually remove the barriers to the existing insurance business, and insurance will no longer be the preserve of insurance companies.

However, this does not mean that insurance companies are necessarily dead. Insurance companies can reduce the substitutability of their own business by providing highly personalized and high-quality insurance services. As long as the market can't replicate its insurance products and services, insurers can still reap excess returns.

To sum up, as long as the demand for insurance is still there, the insurance company will be there, although the insurance industry and insurance model may continue to change. [Non-insurance professional point of view, bullshit is incomprehensible, please shoot more bricks of prawns from all walks of life].

Extended reading: [Insurance] How to buy, which is better, hand balance to teach you to avoid these insurance"pits"

Buying insurance is not a waste, but moving money from your left pocket to your right pocket. Buying insurance is not to make money, but the best way to reduce the economic losses caused by accidents and illnesses and transfer risks. Raising children and preventing old age is the traditional old-age thinking of Chinese, but the times have changed.

There is also a growing awareness of the need for insurance investment.

The necessity of insurance investment

1. Insurance funds have the requirement of increasing value in sports. In order to cover the insurance liability arising from the insured event, the insurance company should have various forms of reserves. Insurance investments have the function of resisting inflation.

2. Insurance investment can expand social influenceInsurance companies can invest huge amounts of money in the economy through insurance investment, which can promote social production and public welfare.

The necessity and significance of insurance investment

From a personal point of view, buying insurance is to transfer one's own risk, and the institution that bears the risk is the insurance company. Insurance companies can compensate for the economic losses of the insured, help individuals or institutions reduce economic losses, enhance people's awareness of risk avoidance, help people recover and transfer risks in a timely manner before being damaged, and also help promote the economic balance of individuals or families.

From the perspective of social significance, insurance investment has played a huge role in ensuring social stability and promoting economic development and external development. It promotes economic circulation and increases fiscal revenue.

Whether it is social insurance or commercial insurance, there is a need for insurance investment, which can be reflected in social welfare.