(人寿保险)Life Insurance.ppt

,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,Life Insurance,Introduction,Life insurance products,Some additional features of Life insurance policies,What does it cost?,The pay out.,其他种类的寿险,决定保险费的因素,赔付,Discussion,Why do many people dislike thinking about unexpected death?,Why is it so important to have financial resources?Think of situations in which financial resources are needed most.,What other financial resources do you know besides a life insurance plan?,Discussion,With all kinds of general insurance,such as property or,liability,you insure against events that many never happen.How is life insurance different,and why is it important?,Liability insurance,：责任险,Introduction,Definitions,Uses of life insurance,Who should get the money,The main types of life insurance,Definition,Life insurance is primarily designed to provide surviving family members with the cash needed to replace the earnings of the family,breadwinner,should that person,prematurely,dead.It can also be used as a part of a savings program and for,estate planning,purpose.Used properly,life insurance is an important part of an effective financial management strategy.,Prematurely,：过早地；贸然地,Uses of life insurance,Life insurance is typically used to provide funds:,1,、,to pay final expenses;,2,、,to retire,outstanding,debts;,3,、,for dependents living costs and the childrens education;,outstanding,1.,凸出的,outstanding ears,招风耳,2.,显著的,;,杰出的,;,重要的,She is an outstanding actress.,她是一个杰出的演员。,3.,未解决的,;,未完成的,;,未偿付的,The outstanding debts must be paid by the end of the month.,未了的债务须在月底前偿还。,Uses of life insurance,4,、,to allow remaining partners or shareholders in a privately-held business to buy out the insureds interest without having to sell or,liquidate,the business;,5,、,to pay taxes in order to preserve family assets for the next generation;,6,、,to,endow,charities.,liquidate,：,vt.,清算,;,清偿,;,结束,;,换现款,捐赠；资助；赋予；赐予,Who should get the money?,The insurance be made payable to specifically named individuals called beneficiaries.,In this way insurance is paid directly,bypassing,many legal issues that can arise when a person dies.,Bypass,：,绕过，避开;不顾,人寿保险的主要种类,分红保险,投资连结保险,万能保险,人寿保险的主要类型,普通型人寿保险,新型人寿保险,终身寿险,定期寿险,两全保险,年金保险,Life Assurance Products,Endowment assurance,Term assurance,Whole life assurance,Unit-linked policies,Critical illness cover,Permanent health insurance(PHI),Annuity,Personal pension plan,养老保险；两全保险,年金,定期寿险,终身人寿保险,终身人寿保险,投资连接保险,重大疾病保险,长期失能保险,个人养老计划,Endowment insurance,This is a long-term savings policy with life cover.The policy guarantees the policyholder the sum assured at the end of the policy term.This lump sum payment is increased by a bonus that accumulates during the policy matures,the beneficiaries will receive at least the sum assured.The purpose of this type of policy is to provide a lump sum payment at the end of the term or in the case of premature death.,两全保险,两全保险：以死亡或生存为给付条件的。在规定保险,期限内,，如果被保险人,死亡,，则保险人赔付,死亡保险金,，如果被保险人在保险,满期,仍,存活,，则保险人给付,生存保险金,。,保险费通常采取均衡保费方式,储蓄性极强,分类：分红两全保险、非分红两全保险,Term insurance,Called term insurance,（定期寿险）,this is the simplest and cheapest form of life insurance.Term policies offer insurance,protection,for a specified period of time(term)-typically,1,5,10,15,20 or 30 years or until a specific age(such as 65).,保障,定期寿险,在保单约定的保险期限内，以死亡为给付条件的保险，保险金额在保单上载明。,优点,：保费低廉,现金价值很低或者没有,分类,均衡保费定期寿险：通常缴费期与保险期相同,递增保费定期寿险：保险人每年根据死亡风险重新确定保费水平，并通知投保人续保，直到被保险人死亡或者达到保单所规定的最高续保年龄为止。保额可能恒定，也可能与某消费价格指数挂钩，还可能采取保费恒定但每年根据保费水平和死亡率水平重新调整保额等不同形式。,保额递减定期寿险：实践中最常见的是以抵押贷款余额为死亡赔付额，以还款期为保险期的定期保险。,Premiums may increase each year.We call this type,annually renewable term insurance,（每年可续定期保险）,.,If the premiums remain the same for several years,the insurance is called,level term,(,定额定期保险,).,Should the insured die at any time during the term,the insurer will pay the face amount of the policy.,It is often sold for an extra premium with the following options:,1,、,Conversion option:without providing additional evidence of health the policyholder can change the policy to a whole life or endowment policy.,2,、,Terminal illness option:provides a lump sum if the life assured is diagnosed as suffering from a terminal illness.That is,the sum assured is paid before death actually occurs.,3.Some term insurance policies contain a“guaranteed renewable”clause:this means that when the policy ends,the insured can renew it even if his or her health has deteriorated to a point where insurance would be difficult if not impossible to obtain.No medical exam is required.,Whole Life Assurance,Called permanent life insurance or whole life insurance.It offers protection as long as the policyholder lives and continues to pay premiums on a timely basis.This kind of insurance not only provides a death benefit(protection),but also has a method of building up a cash value as premium are paid.,The unknown in a whole life policy is the dividend which varies from year to year depending on the performance of the company.If its investment portfolio is doing well and the mortality rate is not higher than projected,premiums are paid back to the policy holder in the form of dividends.,终身寿险,以死亡为给付条件且期限为终身。,相当于保险期延长至生命极限年龄的定期寿险，但终身寿险有显著的现金价值。,优点,：可得到永久保障，可获得退保现金价值,保险金额通常为恒定的数额,根据保费缴纳方式的不同，分为：,普通终身寿险,限期缴费终身寿险,趸缴终身保险,Unit-Linked Policies,In the case of endowment and whole life assurance,the life assurance company takes the investment risk.With a unit-linked policy,in contrast,it is the policyholder who takes this risk,but he or she has the chance to get a higher return on premiums than would be possible with endowment or whole life.The guaranteed sum assured is thus quite low.,The premium is used to buy units in investment funds.The value of the policy at any time is based on the number of units held multiplied by the value of each unit.,When the insured person dies,either the sum assured or the value of the units will be paid out,depending on which is higher.,Also called“investment-linked assurance policy”in Hong Kong,“equity-linked policy”in Canada and“variable life”in America.,投资连结保险（,1,）,“,投资连结,”,的含义,一般的寿险产品都有一个固定的预定利率，保险合同一旦生效，无论保险公司经营状况如何，预定利率都固定不变。投资连结保险则,没有预定利率,，投保人购买了保险后，投资连结保险的保费分成两部分：小部分用于购买,保险保障,，大部分划入专门的,投资账户,，由保险公司的投资专家进行运作。保险公司根据获利多少，来回报客户。如果赔了，购买人一分钱回报都没有。从这个意义上来说，,“,投资连结型保险,”,的投资回报具有不确定性。换句话说，所谓,“,投资连接,”,，就是,将投资收益的不确定性（风险）,“,连接,”,给客户,。,投资连结保险（,2,）,保险公司,一般帐户,专设帐户,保险监管机构,投资连结保险（,3,）,-,资金流向图,个人投资帐户,保,费,费,用,死亡给付,固定收费和保险成本,投资收益,投资连结保险（,4,）,投连保险更强调客户资金的,投资功能,投连产品当中可包含多个不同类型（根据投资对象分类）的投资账户供客户选择，客户购买后资金将直接进入其选择的投资账户。,投连产品同时可以向客户提供人身风险保障功能，保障责任可多可少，客户购买保障发生的费用及其他投连产品规定向客户收取的管理费用均定期从客户的投资账户中扣除。,与资本市场结合紧密。同股票、基金类似，投连账户中的资产由若干个标价清晰的投资单位组成，资金收益体现为单位价格的增加。,客户享有投连账户中的全部资金收益，保险公司不参与任何收益分配而只收取相应管理费用，同时客户要承担对应投资风险（全部投资风险）保险公司不得保证最低投资回报率。,现金价值与投资账户资产相联，一般无最低保证。,投资连结保险（,5,）,特征,1,、设置单独的投资账户，保费转换为投资单位,2,、死亡保险金额：,给付保险金额和投资账户价值较大者（方法,A,）,均衡的基本保额与投资账户价值之和（方法,B,）,3,、保险费：灵活的交费机制,固定保费基础上增加保险费假期,取消交费期间、频率、数额的概念，随时支付任意数额的保费,4,、费用收取上相当透明,可收取的费用：初始费用、买入卖出差价、风险保险费、保单管理费、资产管理费、手续费、退保费用,一般头几年的费用较高，适合于长线的理财规划,投资连结保险（,6,）,投资连结保险适合于具有理性的投资理念、追求资产高收益同时又具有较高风险承受能力的投保人。,Critical Illness Cover,This can be an independent policy,or it can be an additional benefit to a life assurance policy,such as endowment assurance.A lump sum is paid out when the insured person is diagnosed as having one of several critical diseases.These always includes cancer,stroke and heart attack.,Permanent Health Insurance,This policy covers the risk of permanent total disability.The cover is designed to pay a regular income after a waiting period if the insured person becomes so sick or disabled during the term of the policy that he or she cannot do his or her usual job.That is,its purpose is to replace income.The benefits are paid until the insured returns to work or retires or dies,provided death occurs before the age of retirement.,Annuity,An annuity provides a regular income either until death or for a fixed period.,Payments can start when a lump sum is paid for the annuity or they can begin at a later date,such as the date of retirement.Alternatively,the capital for the annuity can be saved over a number of years.,Because of fears about the future level of old age pensions,annuities are the fastest growing product of life assurance companies.,年金保险,年金保险：以生存为给付条件，按约定分期给付生存保险,金，且给付间隔不超过一年,分类：,定期确定的生存年金,在一定时期内给付确定年金，即在这个时期内无论被保险人是否死亡都按期给付，在规定的时期结束后，以被保险人存活为条件给付，直到被保险人死亡。,指数化年金,年金采取指数化（通常是通胀指数）方法定期调整给付数额,联合生存年金,在一张保单上同时承保两个或两个以上有相互联系的年金领取人的年金,常见的是两人联合生存年金，这两个人通常是夫妻关系。,为两个人同时存活期提供生存年金，如果其中一个人死亡，年金给付额通常降低到原来的,2/3,或,3/4,，,直到两个人都死亡为止,Personal Pension Plan,This is a unit-linked savings scheme to save for retirement.It is usually sold by banks or other financial services.There is no life cover at any stage.Some employers use this plan as a kind of company pension plan for their employees.There are also tax benefits under certain circumstances.,Additional Features,Many life insurance policies whether term or permanent provide additional payments if the insured should die as a result of an accident.The face value is doubled(and in some policies,tripled)if this should happen.This is referred to as“accidental death benefit”,“double(or triple),indemnity,”.,indemnity,：,赔偿;赔偿金;保障,What does it cost?,The age of the insured when the policy is taken out.,The term of the policy.,The occupation of the insured.,The health of the insured.,The gender of the insured.,The pay out,A lump sum payment upon the death of the insured,Annuity,:A contract that provides regular income payments for either a specified period or for the lifetime of the,annuitant,.,Term-Certain Annuity/fixed-term annuity:annuity based on a specific payment period chosen at the time the insurance policy is purchased.,年金,年金领受者,Words&Expressions,意外死亡和伤残,每年可续保险,年金领受者,年金,受益金额,寿终费用,accidental death&dismemberment,annually renewable term,annuitant,annuity,benefit,Final expenses,Words&Expressions,解约现金价值,可保证明,定额定期保险,平均寿命,医疗费,医疗报告,Cash surrender value(CSV),Evidence of insurability,Level term insurance,Life expectancy,Medical expenses,medical,Words&Expressions,终身寿险,定期寿险,终身寿险,遗嘱,Permanent insurance,Term insurance,Whole life,will,