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随着经济的发展,我国保险市场逐步完善,居民保险需求也不断上升。只具备保障功能的传统型保险已无法满足当前市场需求,创新型产品必将为保险业的发展带来新契机。变额年金保险是在投连险的基础上增加最低保证和年金化支付功能的新型养老保险。保险公司把收取的保险费计入特别账户用于资本市场的投资,并将投资红利分配给投保人。变额年金的投资风险由投保人自己承担,但与传统投连险的不同之处在于保险公司向投保人提供最低保
With the economic development, China’s insurance market is gradually improving, and the insurance demand of residents is also on the rise. Only the traditional insurance with the protection function has been unable to meet the current market demand, innovative products will bring new opportunities for the development of the insurance industry. Variable annuity insurance is a new type of endowment insurance that adds the minimum guarantee and the annuity payment function on the basis of investment-linked insurance. Insurance companies charge premiums charged to special accounts for investment in capital markets and distribute investment bonuses to policyholders. The investment risk of variable annuity is borne by the policyholders themselves, but the difference with the traditional policy is that the insurer provides the insured with the minimum guarantee