The Obstacles And Countermeasure Research Of Happy Life Insurance Company's Domestic House To Endowment Insurance

Happy Life Insurance company officially launched the first domestic house to endowment insurance in March 2015,it is also the first step to involve insurance endowment in China.China's aging population has become increasingly serious.According to the 2016 white paper on population forecast that after 80 years of age or older in China's 100 million-year-old old man will remain in the scale at the same time by 2016,China's family institutions is toward "inverted pyramid" model transformation,family endowment function gradually weakened.Endowment problem increasingly highlight,demographic dividend gradually decline,under the severe trend,should actively introduce social capital into the field of pension,and to keep the market imbalances refused to vicious competition safeguard residents in later life,endowment insurance is a cardiotonic agent from the economic market.For \ "not rich first old\" of China's national conditions,"retirement with house" insurance how to break through the legal obstacles to realize China's characteristic is particularly important.In this paper,to be launched from the happy life "to the housing endowment insurance market" cold phenomenon,the analysis current our country house to the legal issues of endowment insurance generally will encounter obstacles,and seek the solution of the corresponding countermeasures.The article structure is divided into four parts.The first part is the happy life "room to treasure" reverse mortgage insurance market situation and expounds on its danger is planted into the concept.First introduces happiness life company launched "room to treasure" insurance products market encounter cold phenomenon,followed by detailed description "retirement with house" insurance will cover the basic legal relationship and related legal issues,finally describes its into the possibility of the economy with Chinese characteristics.The second part will analyze "room to treasure" mortgage endowment insurance products,the existence of the status quo.The third part,according to the present situation of lack of in-depth analysis of the reason.The fourth part for the system to "room to treasure" mortgage endowment product improvement Suggestions are put forward.