Method and insurance platform for self-interest-rate investment-oriented whole-life insurance

Abstract

The invention relates to a method and an insurance platform for self-interest-rate investment-oriented whole-life insurance, belonging to the method and the insurance platform for whole-life insurance implemented in the field of insurance of financial e-commerce. The invention reflects the interaction of a consumer and a platform provider in the era of Internet technology, creates the insurance platform for consumers to expand credit with each other on the platform according to self-risk preferences of the consumers, and increases investment opportunities. Moreover, the invention provides the insurance platform to substitute the whole-life insurance storage block, thereby generating information symmetry between insurance companies and the consumers, and breaking the closure of traditional insurance products so that the insurance products can compete on the active market of financial products.

Description

technical field [0001] The invention relates to the field of life insurance, in particular to a method and an insurance platform for creating a whole life insurance combined with independent interest rate investment by using information technology. Background technique [0002] Whole life insurance can be regarded as a kind of death insurance, that is, the lifelong death insurance of the insured. In other words, whole life insurance is a periodical death insurance that does not expire until the insured dies during the insured period. Therefore, whole life insurance is more suitable for the insured who bears heavy family responsibilities, as well as the ethnic groups who reserve retirement pensions. [0003] However, only in the first few years of initial insurance, the protection value of whole life insurance is higher than the cash value; that is to say, if the customer is not in danger during the insurance period, then its savings interest is very low, and the investment i...

AI Technical Summary

Problems solved by technology

[0007] U.S. Patent No. 6,456,979 "Method of Evaluating a Permanent Life Insurance Policy" and Patent Publication No. US2007005399 "Method and Computer Program for Evaluating the Sustainability of a Permanent Life Insurance Policy". The former proposes to establish a basic insurance cost structure, and then The premiums of individual policyholders are adjusted according to various factors such as the gender and lifestyle of the policyholders. The latter uses a system to ask the policyholders various questions to help individuals choose the most suitable insurance products. However, they do not solve the problem of whole life insurance The Problem with Commodities Lacking Savings Benefits

[0008] Patent Publication No. JP2004062632 "System, Method and Program for Processing Whole-life Insurance Change" and Japanese Patent Publication No. JP2003281372 "Processing System for Shifting Insurance Contract to Whole-life Insurance, Insurance Contract Processing System, Processing Method for Shifting Insurance "Contract to Whole-life Insurance, and Its Program" proposes a system that facilitates policyholders to convert insurance contracts into whole life insurance policies and calculates the related capital needs of the policy. However, the fundamental problem of whole life insurance lacking savings benefits has not been resolved.

[0009] Traditional whole life insurance products are products of the industrial economy era, lacking information symmetry, and there is no room for consumer autonomy; financial and insurance products that reflect the era of Internet technology are not only expected by the insurance industry, but also by consumers.

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