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保单贴现是一种投资者以折扣价买进即将到期的人寿保单,到期获得保险公司给付的保险金,同时解决了绝症患者和老年病患高额医疗费的需要,以及老年人养老费用的需要,这是一种多赢的投资工具,在国外发达国家已经存在多年,并发展越来越快;随着我国金融市场的开放和人们保险意识的加强,发达国家保单贴现业务值得我国借鉴,尽快推出这一创新的保险业务,以满足部分保单持有人提前变现保单的需求。
Policy discounting is an option for investors to buy expiring life insurance policies at discounted prices, to pay insurance premiums due to expire, and to meet the need for high medical costs for terminally ill and elderly patients, as well as for the elderly This is a win-win investment tool, which has been in developed countries in other countries for many years and is growing faster and faster. With the opening up of China’s financial markets and people’s awareness of insurance, the developed countries’ policy discounted business is worth our country’s reference To launch this innovative insurance business as soon as possible to meet the demand of some policyholders to realize policies in advance.