What kinds of life insurance are there?

question 1: what are the types of life insurance? The risks covered by life insurance can be survival, death, or both. In all life insurance businesses, life insurance accounts for the vast majority, so life insurance is the main and basic type of life insurance. Life insurance can be divided into death insurance, survival insurance and endowment assurance. (2) personal accident insurance personal accident insurance refers to life insurance with death or disability caused by accidental injury as the condition for paying insurance benefits. Its main business types include general accident insurance and specific accident insurance. 1. General accident insurance. Ordinary accidental injury insurance refers to accidental injury insurance that takes accidental injuries that occur at a non-specific time, place or reason as the insurance risk. 2. Specific accident insurance. Specific accidental injury insurance refers to the accidental injury risk that takes the accidental injury at a specific time, place or reason as the insurance risk. (III) Health Insurance Health insurance refers to a kind of personal insurance that takes the insured's body as the subject matter of insurance, so that the insured can compensate for the medical expenses or income loss when he is injured due to illness or accident. 1. Medical insurance. Medical insurance refers to the insurance in which the occurrence of medical behavior agreed in the insurance contract is the condition of paying insurance money, and it provides protection for the insured to receive medical expenses during the diagnosis and treatment. Common medical insurance includes general medical insurance, hospitalization insurance, surgery insurance and comprehensive medical insurance. 2. Sickness insurance. Sickness insurance refers to insurance in which the occurrence of diseases agreed in the insurance contract is the condition for payment of insurance benefits. 3. Disability income loss insurance. Disability income loss insurance refers to the insurance that the loss of working ability due to illness or accidental injury agreed in the insurance contract is the condition for paying insurance benefits and provides protection for the insured's income reduction or interruption in a certain period of time. 4. Nursing insurance. The above content is taken from the Basic Knowledge of Insurance

Question 2: What kinds of new life insurance products are there? Compared with ordinary life insurance products, new life insurance products include dividend-sharing, universal and investment-linked products. What is dividend insurance? Dividend-paying insurance refers to life insurance in which the insurance company distributes its actual operating results to the policyholders according to a certain proportion. It has the following characteristics: First, the policyholders can get dividend distribution. Dividend insurance not only has the basic guarantee function, but also determines the dividend distribution according to the actual operating conditions of the dividend insurance business every year, that is, customers can share the company's operating results with the company. Second, dividend distribution methods include cash dividend and incremental dividend. Cash dividend distribution refers to the direct distribution of surplus to policy holders in the form of cash. Insurance companies can provide a variety of dividend collection methods, such as cash, payment of premiums, accumulated interest and purchase of paid insurance amount. Increased dividend distribution refers to the distribution of dividends by increasing the insured amount every year throughout the insurance period. Third, the distribution of dividends is uncertain. The dividend level mainly depends on the actual operating results of insurance companies. What is universal insurance? Universal insurance refers to life insurance that includes insurance protection function and has a guaranteed income investment account. It has the following characteristics: First, the payment is flexible and transparent. Generally speaking, after the insured pays the first premium, he can pay the premium irregularly and irregularly. At the same time, the insurance company clearly States the fees charged to the insured. Second, the flexibility is high and the insured amount can be adjusted. Account funds can be withdrawn flexibly under the conditions agreed in the contract. According to the contract, the insured can usually increase or decrease the insurance amount. Third, the minimum guaranteed interest rate is usually set and the investment income is settled regularly. Such products provide minimum income guarantee for investment accounts, and can share the investment return above the minimum guaranteed income with insurance companies. What is investment-linked insurance? Investment-linked insurance. Investment-linked insurance, as its name implies, is insurance linked to investment, which means that the value of a policy at any time when providing life insurance is determined according to the investment performance of its investment fund at that time. Investment-linked insurance is a new type of insurance that integrates insurance and investment functions. There are several accounts such as guaranteed income account, development account and fund account. The investment portfolio of each account is different, the rate of return is different, and the investment risk is also different. Because the investment account does not promise the return on investment, the insurance company will bear all the investment gains and losses after collecting the asset management fee. Make full use of the advantages of expert financial management, and customers will bear the risk of investment loss while gaining high returns. Therefore, investment-linked insurance is suitable for policyholders who have a rational investment philosophy, pursue high returns on assets and have high risk tolerance.

Question 3: What are the types of life insurance according to the coverage: life insurance, health insurance and personal accident insurance

According to the insurance mode: individual insurance, joint insurance and group insurance

According to the insurance period: long-term business, one-year business and short-term business

According to the implementation mode: compulsory life insurance and voluntary life insurance

According to whether or not to pay dividends: dividend insurance, no. Hello, commercial insurance types have different results according to different classification methods.

according to the subject of insurance, it can be divided into individual insurance and group insurance; According to the business security object, it is divided into four categories: property insurance, personal insurance, liability insurance and credit insurance; Life insurance mainly includes personal accident insurance, sickness insurance (also called health insurance) and life insurance (divided into death insurance, survival insurance and endowment assurance).

general insurance companies are divided into auto insurance, accident insurance, travel insurance, health insurance, life insurance, family property insurance and enterprise insurance. For individuals to apply for commercial insurance, for adults, it is suggested that when choosing commercial insurance, it can be screened according to the specific age, occupational category, amount of insurance and payment. Generally, it is recommended to give priority to health insurance and accident insurance, and then choose the corresponding financial insurance and endowment insurance according to the actual situation, which is more suitable for individuals' needs.

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Question 5: What kinds of life insurance are there? They are mainly divided into four categories: 1. Life insurance, which is generally called life insurance, can also be divided into: 1. Survival insurance, which means that the insured is still alive when the agreement expires; If you die during the insurance period, the insurance company will not be responsible for payment (that is, you will not get a dime). (2) Death insurance: When the insured dies within the insurance period, the insurance company will pay the insurance money immediately. It can be divided into term insurance and life insurance. (3) Life-and-death insurance: what people generally call "savings insurance" is a combination of survival insurance and periodic death insurance, so the insured can receive death insurance money if he dies during the insurance period; If you are still alive at maturity, you can get survival insurance money (or maturity money). 2. Injury insurance: generally known as accident insurance, with 28 items in Grade 6 of the Disability Scale as the basis for claim settlement. III. Health insurance: generally referred to as medical insurance, it can be divided into two types: actual payment and fixed payment. Iv. Annuity insurance: This type of insurance is characterized by a series of regular payments, which are usually insured for the protection of old age. All kinds of insurance (including investment insurance policies) seen in other markets cannot be separated from the above elements, and can be decomposed and compared one by one

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Question 6: What are the types of life insurance? In foreign countries, insurance is divided into life insurance and non-life insurance. In China, insurance is divided into personal insurance and property insurance. Among them, personal insurance is divided into life insurance, medical insurance and accidental injury insurance. Life insurance mainly guarantees the life of the person, and life insurance mainly includes survival insurance, death insurance and both insurance. On this basis, many varieties have been developed, such as fixed term, lifetime, annuity, universal, investment and so on.

question 7: what are the types of life insurance on the market now? I work in Shanghai, which is a city with the best development of insurance industry in mainland China. There are 7 or 8 life insurance companies and property insurance companies.

Let me tell you the top ones.

Domestic ones: Ping An, Pacific and China Life Insurance.

Foreign ones or joint ventures: American AIA, Sino-French Jinsheng, Sino-German Allianz, China-Canada Zhonghong and Sino-Dutch ING..

As for the types, Nothing more than these big blocks: accidents, medical care, dividends, old-age care, investment, and children's education < P > Question 8: What are the main types of life insurance products? The first category, protection+savings, this type of life insurance products can mainly guarantee personal safety, and if there is an accident, it can be compensated and guaranteed in time; If there is no accident, you can use it as your own savings, which can help you manage your funds better and save your money. The premium of insurance is relatively high, however, it is the applicant who benefits from the real protection, and his own funds can still be controlled by himself;

the second category, life insurance products of guarantee+compensation type; This kind of insurance sells well in the market, mainly because the scope of protection is relatively wide, and the compensation funds are generally compensated according to the maximum amount or limit stipulated in the contract. This kind of insurance is mainly to protect yourself in time when you are injured and have an accident, and get a certain amount of compensation, so that you can treat or adjust in time;

the third category, safeguard function; This type of product has only one function, that is, protection. The main life insurance product is personal accident insurance, which can be guaranteed in time when an accident occurs. This is more important for many people. After all, their own safety is still very important, and they need to be purchased in time. Traffic accidents or other accidents can be guaranteed. This insurance is also very good in the market. We can buy and protect it by plane and train.

the fourth category, insurance of guarantee+dividend type; This type of product is liked by many people in the market, because it can not only protect their own safety, but also pay dividends, and the price of insurance is very reasonable in the actual protection process, and it will not be very troublesome or other circumstances. Now the insurance protection is also very comprehensive, which is a good product among life insurance products.