Because the investment account does not promise the return on investment, the insurance company will bear all the investment profits and losses after collecting the asset management fee.
Make full use of the advantages of expert financial management (some people in the industry call it asking experts to work for themselves), so that customers can get high returns and bear the risk of investment losses. Therefore, investment-linked insurance is suitable for policyholders with rational investment concept, high return on assets and high risk tolerance.
Extended data:
Main features:
1, investment account setting. Investment linked insurance has a separate investment account. After receiving the insurance premium, the insurance company will transfer part or all of the premium into the investment account according to the prior agreement and convert it into an investment unit.
An investment unit is a unit of measurement designed to facilitate the calculation of the value of an investment account. The investment unit has a certain price, and the insurance company calculates its account value according to the number of investment units under the policy and the corresponding investment unit price.
2. Insurance liability and insurance amount. As an insurance product, investment-linked insurance has similar insurance liabilities to traditional products, including basic insurance liabilities such as death, disability payment and survival insurance. Some products have also increased insurance liabilities such as exemption from insurance premiums, disability insurance benefits and major diseases. China CIRC stipulates that investment-linked insurance products must contain one or more insurance liabilities.
3. Insurance premium. The compensation mechanism of investment-linked insurance has certain flexibility.
4. charge. Compared with traditional non-dividend insurance and dividend insurance, investment-linked insurance is quite transparent in terms of fees. The insurance company has explained in detail the nature and purpose of the deduction, and the insured can inquire at any time through the computer terminal.
Baidu encyclopedia-investment linked insurance