Research On The Model Of Home Equity Pension Life Insurance Offered By Pension Insurance Companies

China is facing an aging population, pension difficulties, changes in family structure and other pension issues, so we should urgently find a new way of old-age security. Furthermore, the insurance fund itself is in face of a narrow way, revenue lower rate of return issue, therefore the insurance companies can not meet the requirements of increasing the value of insurance funds. The paper in the drawing room at home and abroad with pension based on a model, taking into account the present stage of the synthesis of the design of Chinese characteristics, in line with the actual situation in China.The pension model in rooms-old-age pension insurance companies offer life insurance real estate business, both to resolve the dilemma faced by insurance companies, it can help solve serious social issue of our country. Endowment life insurance business of real estate property is based on the independent nature of the subject property in order to target low-income elderly people, will hold their hands in the form of property in order to reverse mortgage endowment life insurance to the insurance company handling real estate, and then by insurance companies through the pension in the form of payment, monthly payment, or according to the agreed payment of pension to the insured, which played to resolve pension shortage of resources, improve the level of the role of old-age pension insurance products. Insurance companies generally offer this business can be divided into three phases: application and approval phase, implementation phase and recovery phase, and the endowment life insurance contract on the property some preliminary ideas. Finally for the property insurance companies offer life insurance business of pension risks, design risk prevention measures.