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投资连结保险代表了一种全新的保险理念,在为我国寿险业产品结构的优化、服务范围的拓展、营销方式的革新闯出一条新路的同时,也满足了老百姓日益多样化的保险需求,其发展前景十分广阔。何为投资连结保险投资连结保险是人身保险的一种,是一种将寿险保障功能与投资功能相结合的投资型保险产品。被保险人可以在获得风险保障的同时,将保费的一部分交由保险公司进行投资运作。所谓“连结”就是将投资与人寿保险结合起来,使保户既可以得到保障,解决自身及家庭的未来收入、资产安排问题,又可以通过强制储蓄及
Investment-linked insurance represents a completely new concept of insurance. While it opens up a new road for the optimization of product structure, expansion of service scope and marketing methods in China’s life insurance industry, it also meets the increasingly diversified insurance needs of ordinary people. Its development prospects are very broad. What is Investment Link Insurance Investment Link Insurance is a form of personal insurance and is an investment-based insurance product that combines the life insurance function with the investment function. The insured can get risk protection at the same time, part of the premium paid by the insurance company for investment operations. The so-called “link ” is the combination of investment and life insurance, so that policyholders can be protected to solve their own future income and family, asset arrangements, but also by compulsory savings and