Insurance investing method and system

A technology of insurance contracts and funds, applied in the insurance field of financial e-commerce, can solve problems such as customer losses, customers' inability to save and invest, and the inability to effectively eliminate interest rate risks in the insurance industry, so as to achieve the effect of expanding credit and solving interest rate risks

Inactive Publication Date: 2009-05-06
SHACOM COM
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] It can be seen from the above that no matter how the investment position of investment-type insurance products is improved, the interest rate risk that has plagued the insurance industry for a long time cannot be effectively eliminated. The existence of this risk is a kind of instability brought by insurance companies to the protection of customers. risk (that is, the risk of bankruptcy of the insurance company); and customers who want to insure investment insurance are often unable to balance savings and investment, let alone the opportunity to obtain credit expansion on policy investment, which is also a potential loss for customers

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  • Insurance investing method and system
  • Insurance investing method and system
  • Insurance investing method and system

Examples

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Effect test

Embodiment 1

[0095] Li Jun took insurance-related courses in college, so he deeply understands the importance of insurance for himself and his family. After graduating from university and working, Li Jun actively searched for insurance policies that met his financial ability and protection needs. However, although Li Jun knew the necessity of buying insurance, since his monthly salary was only 32,000 yuan, Li Jun still had to carefully calculate the premium ; Although the insurance premiums for pure protection policies are relatively cheap, if you are in good health and safe, you will never be able to get back the premiums after you pay them. , the premium for each period will be a heavy burden; if you choose an investment policy, the rate of return of the connected investment target is either too volatile or too low for the sake of capital and interest protection. Just when I was in distress, I saw a news about a new insurance product. The content roughly stated that a new product called ...

Embodiment 2

[0099] Zhang Jun was Li Jun's immediate supervisor. After Li Jun told him about the characteristics of "investment insurance", he purchased the ten-year death insurance of this product, with an insured amount of 3,000,000 yuan. Zhang Jun chose ten-year death insurance as the protection item. , the premium is paid monthly, and the investment project of the policy is connected to a ten-year period. Monthly payment, the unit amount is 20,000 yuan, and the general fund is 2,400,000 yuan. Since Zhang Jun chooses pure savings, he does not participate in the platform Bidding, therefore no need to provide collateral to the insurance company.

[0100] When Zhang Jun paid the insurance premium and savings for the 61st month, the company he worked for announced its dissolution. I tried my best to pay insurance premiums and savings until the sixty-sixth month, but at this point, Zhang Jun finally realized that the knowledge and skills he is good at have been classified as sunset industrie...

Embodiment 3

[0102] Fang Jun is a friend of Zhang Jun's university club. He followed Zhang Jun insured "investment insurance". Fang Jun chose 12-year death insurance with an insured amount of 4,000,000 yuan. Two-year period, monthly payment, unit amount of 20,000 yuan, general fund of 2,880,000 yuan for a fund bidding combination. Since Fang Jun is a high-tech research and development personnel and has no time to participate in fund bidding, he chooses pure savings. Suppose the bidder pays 2,000 yuan Yuan won the bid, Fang Jun only needs to pay 18,000 Yuan and earn 2,000 Yuan in interest. In addition, Fang Jun does not participate in platform bidding and therefore does not need to provide collateral.

[0103] Fang Jun has a stable job and a smooth life, so the annual insurance premium and monthly savings are paid on time. By the 143rd month, Fang Jun paid the last savings for "investment insurance". The policy expired at the 144th month, and Fang Jun successfully received the due savings o...

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Abstract

The invention relates to a system and a method for insurance investment, which are applied to the insurance field of financial e-commerce. The invention aims to provide a new capital operation mode of investment type insurance, so that a consumer can freely select credit expansion or investment reward improvement or zero-risk saving, and the insurance industry can be free from interest risks. The system for insurance investment is taken as the a main part of operation, so an insurance company can leap out of the frame of making capital operation reward but taking interest risks and turns to eliminate the interest risks by collecting commission charge under the operation of a capital bidding mechanism; and an insurant can expand credit in the course of insurance to improve the investment income and strengthen the insurance guarantee.

Description

technical field [0001] The invention belongs to the insurance field of financial e-commerce, and aims to create a system and method for investment insurance by using information technology. The present invention uses the fund bidding mechanism to carry out the proposer's fund bidding, so that the proposer participating in the present invention can use the fund bidding mechanism to save, earn interest rates, or use the fund bidding mechanism to raise funds to achieve the credit expansion function , to make high-yield investments; insurance companies can use this fund bidding mechanism to eliminate interest rate risks, earn handling fees, and provide proposers with more solid protection. Background technique [0002] In the Internet age, the speed of human information circulation has increased significantly. Investment tools are popular in the market, and high-yield and high-return investment products abound. This makes traditional simple insurance policies unattractive to con...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/00G06Q40/08
Inventor 简永松凌宝凌宝
Owner SHACOM COM
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