How Can We Choose The Product Of Financing Insurance

With the increase of people's income level and the expansion of the scope of economic life,insurance is of importance greatly for the risks which we are able to expect.It can reduce the property loss of the Policy-holder when the risk occurs and enhance people's ability to resist risks.In the recent years,financial insurance is splendid in the industry and is becoming the field which major companies are joining completely.Financial insurance has two functions: security and investment,so it is interesting intensively for Policy-holder.For the insurance research,especially for the financial insurance is mostly from the perspective of the company and the community to study,but from the perspective of the insured to study less.This paper is to discuss the optimal choice of financial insurance.The paper tries to discuss how to optimize the choice of financial insurance from the perspective of policyholders.This paper is divided into five chapters.Chapter 1 introduces the significance and background of the insurance,the basic knowledge of the insurance industry,the current situation of the development of the insurance industry in our country,and the research trends.In chapter 2,the author introduces the basic knowledge of financial insurance and its significance to the current society and the insured.Chapter3 is the most important part of this paper,which discusses the policy investigation(understand the market conditions and the rules of the Optional Policy)and the evaluation of the policy.This paper briefly introduces the importance of the insurance policy and the insurance policy.Some problems that need to be paid attention to in the process of investigation.According to the actuarial principle,establish a method of policy evaluation,namely using a life table to calculate the single premium policy,expected insurance value,additional cost and profit expectation method;and a method of using life table profit variance calculation given policy and method of investment risk analysis.Based on the Chinese life "happy life",Chinese peace "respect macro life" and the Pacific Insurance Company of "happiness" of the three financial policy case analysis and evaluation on how to further investigation and assessment of financial policy.In chapter 4,the author proposes that the policy holder choose the policy through the investigation of the policy,the comparison of the policy,the comparison of the company,the process of self analysis and comprehensive evaluation.How to analyze the company,how to conduct self analysis.The introduction of revenue ratio,life expectancy concept,establish a mathematical model for comprehensive evaluation of a variety of statistical index and income index based on insurance actuarial.Chapter 5summarizes the full text,a general description of the work done,pointing out the shortcomings of the existing issues to be further studied,and to express the prospects for future development.