Research On The Function Of Investment-linked Life Insurance In Personal Financing

Books about insurance are too many to enumerate, so is insurance investment, but most of them only elaborate the insurance fund allotment and risk assessment standing on side of the insurance company. Books from the individuals and family's perspective telling them how to invest in insurance seem less, and even less for those further elaborating how to analyze insurance products, how to full play to insurance advantages, how to lower the investment risk.Domestic development of varies investments insurance discover a new investment channel for individuals. Obviously, to some extent, Personal investment portfolio is an incomplete one if without life insurance. But as a new introduction, domestic investment-linked insurance is seldom mentioned and analyzed. Besides that, Chinese know very little about it. Hence this paper will make an elementary presentation and analysis on its development and characters and branches.First, it gives specific description for investment-linked insurance in this paper, individually explaining the principle ,characteristic and function of investment-linked insurance and universal life insurance, and making further comparing among so that investor can realize those distinctions and relationships, thus they will have an clear idea and makes better choice before buy it; Next, it compares investment-linked insurance with other invest tools, and tries to find its advantages and disadvantages. It concentrates more on the compare between investment-linked insurance and other investment funds, analyze their distinctions and advantages; In the end of chapter III, followed with the introduction of rate of return on investment (ROI), is to tell its difference between ROI and internal rate return (IRR) which we also called rate of return on premium, and how to correctly view the rate of return on investment-linked insurance.From the positivist view, it makes the study on universal life insurance of Taikang Life "Super wealth", including the study on cash flow and rate of return. It works out on the internal rate return (IRR) which either based on from different rates of return on investment or based on the actual investment-linked insurance which opened by the insurance company, and makes compare among bank deposit,...