Investment linked insurance basic insurance liability

Investment-linked insurance is an insurance-linked insurance that means that the value of an insurance policy at any time at the time of life insurance is determined based on the investment performance of its investment** at that time.

The main insurance liabilities of investment-linked insurance are:

1. Guarantee responsibility.

The scope and extent of protection of investment-linked insurance vary depending on the product. In addition to providing accident and illness death benefits and total disability insurance benefits, some insurance plans also provide other services, such as guaranteed insurable options and waiver of insurance premiums.

The meaning of the insurable option means that after the policy takes effect, the policyholder can apply for one or more additional insurance policies within the scope permitted by the regulations according to actual needs, and there is no need to undergo a medical examination; The meaning of insurance premium exemption means that during the insurance period, if the insured loses the ability to work due to illness or accidental injury, he will be exempted from paying insurance premiums, and all the benefits will not be affected.

2. Investment responsibility.

In addition to providing risk protection, investment-linked insurance also has an investment function. Among them, the rate of return of the investment part of the investment-linked insurance is not fixed, and the future investment income is uncertain, and the policy value will be determined according to the actual investment income of the insurance company.

Investment-linked insurance features:

1) ILAS emphasizes the investment function of customer funds.

2) The ILAS may contain a number of different types of investment accounts (according to the classification of investment objects) for customers to choose from, and the funds will be directly entered into the investment account of their choice after purchase.

3) At the same time, the ILAS can provide customers with personal risk protection functions, and the protection responsibilities can be more or less, and the expenses incurred by the customers in purchasing protection and other management fees charged to the customers under the provisions of the ILAS are regularly deducted from the customer's investment account.

4) Similar to ** and **, the assets in the ILAS account are composed of several investment units with clear pricing, and the capital income is reflected in the increase of the unit**.

5) The customer enjoys all the capital income in the investment-linked account, and the insurance company does not participate in any income distribution but only charges the corresponding management fee, and the customer shall bear the corresponding investment risk.

As an insurance product, investment-linked insurance has similar insurance liabilities as traditional insurance products, with basic insurance liabilities such as death, disability benefits, and survival insurance benefits. For some well-designed products, even insurance liabilities such as premium waiver, disability insurance benefits, and critical illness have been added.

The above is an introduction to the basic insurance liabilities of investment-linked insurance, according to the regulations of the China Insurance Regulatory Commission, investment-linked insurance products must contain one or more insurance liabilities. In addition, investment-linked insurance is set up in a separate investment account, so this type of insurance is more risky.

The answer to this question is to choose B, investment-linked insurance is mainly used to obtain income from investment, and the basic insurance liability includes investment income and other basic liabilities of insurance.

Investment-linked insurance.

The characteristics are as follows:

1. The insurance protection function and the investment function are highly unified, which can not only obtain protection, but also enjoy the return on investment;

2. Policyholder's benefits and return on investment.

It is directly linked, if the investment performance is good, then the policyholder can enjoy all the returns, if the investment performance is poor, then the policyholder needs to bear a certain amount of risk;

3. Investment risk can be transferred;

4. Investment-linked insurance is more transparent for policyholders;

5. The requirements for actuarial skills can be weakened, because the policyholder can choose or change his investment portfolio at will. Investment-linked insurance, also referred to as ILAS.

It is also known as unit linking, **linking, variable life insurance. As the name suggests, investment land-linked insurance is an insurance linked to investment, which means that the value of a policy at any time when providing life insurance is determined according to the investment performance of its investment** at that time. 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.

In addition to giving people life protection like traditional life insurance, <> investment in Tongpi-linked insurance can also allow customers to directly participate in investment activities managed by insurance companies, and link the value of the policy with the investment performance of insurance companies. Most of the contributions are used to purchase investment account units set up by insurance companies, and investment experts are responsible for the widening of funds in the account and investment decisions, and invest investors' funds in various investment instruments.

As an insurance product, investment-linked insurance has similar insurance liabilities to traditional insurance, not only basic insurance liabilities such as death, disability benefits, and survival insurance benefits, but also insurance premium waivers, disability insurance benefits, and critical illness insurance liabilities.

As the name suggests, investment-linked insurance is an insurance linked to insurance and investment finance, which is different from other insurances in that in addition to the function of insurance protection, it also has the function of investment.

Investment-linked insurance will set up different investment insurance accounts for customers to choose according to their needs and risk level, and policyholders can choose accordingly according to their actual needs.

It should be noted that the return on investment of investment-linked insurance is not fixed and depends on the actual return of the investment-linked insurance item chosen, in short, when the investment return of the insurance company is high, the policyholder can also obtain a higher return on investment.

As the name suggests, investment-linked insurance is an insurance that links insurance and investment finance, and it is different from other insurances in that in addition to the function of insurance protection, it also has the function of investment.

Investment-linked insurance will set up different investment insurance accounts for customers to choose according to their needs and risk level, and policyholders can choose accordingly according to their actual needs.

It should be noted that the return on investment of investment-linked insurance is not fixed and depends on the actual return of the selected investment-linked insurance item, in short, when the investment return of the insurance company is high, the policyholder can also obtain a higher return on investment return.

Investment-linked insurance is a new type of insurance that combines insurance and investment functions.

Investment-linked insurance is set up in multiple accounts, such as income account, development account and account. The different portfolios of these accounts have different returns for investors and different investment risks for investors. Since the combined investment account does not make a promise of investment return, the insurance company will charge the asset management fee, and all investment income and investment losses will be borne by the customer.

Investment-linked insurance makes full use of the advantages of expert financial management, allowing customers to obtain high returns while also bearing the risk of investment loss.

The key features of investment-linked insurance are as follows:

1. Set up an investment account.

Investment-linked insurance will set up a separate investment account for the customer. After receiving the insurance premium from the customer, the insurance company will allocate part or all of the premium to the investment account and convert it into an investment unit in accordance with the insurance contract signed by both parties.

2. Insurance liability and insurance amount.

As an insurance product, investment-linked insurance has similar insurance liabilities to traditional early adventure insurance, and on the premise of basic insurance liability, some investment-linked insurance also adds insurance liabilities such as waiver of insurance premiums, disability insurance benefits, and critical illness.

3. Insurance premiums.

There is some flexibility in the payment mechanism of investment-linked insurance.

4. Fee collection.

Fee Charges for Investment-Linked InsuranceCompared with traditional non-participating insurance and participating insurance, Investment-Linked Insurance has a higher level of transparency in fee collection. The insurance company will specify in detail the nature of the deduction and the destination of the deduction in the insurance contract, and the policyholder can check the specific fee collection through the computer terminal at any time.