The court may seal up, freeze or enforce investment insurance. Insurance wealth management products purchased in banks belong to investment wealth management products. Although the law does not clearly stipulate whether insurance wealth management products can be executed, according to Article 242nd of the Civil Procedure Law, they are business products, and bonds, stocks and funds have the same profit-making purpose and can be executed.

Article 242nd of the Civil Procedure Law of People's Republic of China (PRC) * * * If the person subjected to execution fails to perform the obligations specified in the legal documents according to the notice of execution, the people's court has the right to inquire about the deposits, bonds, stocks, fund shares and other properties of the person subjected to execution. From the relevant units.

Investment insurance is a branch of life insurance, which belongs to innovative life insurance. It was originally designed by western countries to prevent economic fluctuations or inflation from causing losses to long-term life insurance, and later evolved into a financial investment tool for customers and insurance companies to take risks and enjoy benefits.

brief introduction

With the rapid changes in the financial environment, investment tools are no longer limited to foreign currency deposits, stocks, funds and related derivative financial products. Among them, investment-linked insurance is one of the most popular investment tools, and many banks have sold investment-linked insurance. In addition, at the beginning of this year, the insurance department stipulated that the predetermined interest rate of all traditional policies was lowered to 2.5%.

It will fall below 2% from next year, resulting in a relatively high premium, and the market demand for short-term savings policies will drop sharply. For various reasons, investment insurance is gradually accepted by people.

Insurance generally gives people the impression that it is nothing more than the function of personal protection and savings, and has nothing to do with investment. The biggest difference between investment insurance and traditional insurance is that the former transfers the investment option and risk to the customer, while the latter is that the insurance company invests the premium and promises the guaranteed interest rate to the customer, so the customer does not have to bear any risk for the investment profit and loss of the insurance company.