The Research About The Improvement And Popularization Of The Participating Insurance Business In P Company

The insurance plays a critical role in financial and economic development. Asfinancial intermediaries with long investment horizons, the P Company’s mission isto fulfill its commitments to investors by enhancing asset value and delivering stablereturns, to customers by providing the best service with integrity.Bonuses are the surpluses/profits added by P to your ’with-profits’ policies. Theaims of P’s bonus policy are: to provide each with-profits policy owner with a returnon his/her premiums that reflects the earnings of the underlying investments, whilstsmoothing out the peaks and the troughs of investment performance; and to ensurethat with-profits policy owners receive a fair share of the profits distributed from theFund by way of bonus additions to their policies.This paper contributes to the literature by examining the determinants ofinsurance premiums (participating policies) and total assets for a panel. A model forthe valuation of traditional participating life insurance policies is set up.The resultsshow that:Above all, share out bonus is sure to have safeguarded and investment doublefunction. Share out bonus is sure to divide outside having basic safeguard function,still can be sure every year according to share out bonus the managementcircumstance of business, decide bonus allocation, this is the biggest characteristic ofthis product.Next, P Company has an expert to be sure to undertake specializationoperational to share out bonus, can invest fund already, can invest bond again; can run in one class market already, can run in3class market again, because this candissolve a venture effectively.And, after buying share out bonus is satisfactory to both sides to be sure, pCompany gives the long-term and healthy assurance of an exempt insurancepremium of many years even freely, accrual is very considerable.