Insurance adjustment fund refers to the fund that is charged by the insurance company for adjustment when the insurance compensation is insufficient, and maintained and increased in value through various investment methods. As a risk buffer mechanism, insurance adjustment fund aims to reduce the risk of insurance companies and improve their guarantee ability. The adjustment system of insurance industry has been paid attention to by many countries in the world, and it is an important measure to prevent risks and protect consumers' rights and interests.

Insurance transfers are usually composed of various funds, including government bonds, stocks, bank deposits and other investment projects. These funds invest in a certain proportion and make profits in a steady and safe way. At the same time, insurance companies will calculate the premiums of different insurance products according to risk assessment through a scientific and reasonable pricing system to ensure that insurance transfers can meet the needs of compensation.

The fees and use of insurance transfers need the approval and supervision of regulatory agencies. Insurance companies need to regularly report the investment and benefits of swap funds to the regulatory authorities, and be audited by professional audit institutions to ensure the safety and transparency of funds. As an important insurance system, insurance transfers not only benefit insurance companies, but also provide more sense of security and protection for insurance consumers.