风险与保险原理课件_ch17 购买人寿保险的决策（英文版）（32页）ppt.pdf
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Three questions in buying life insurance:
How much should I buy?
What kind should I buy?
From which company should I buy it?
Buy Term and Invest the Difference
1.Question of “how much” comes first,
may determine “what kind.”
2.The inverse relationship between protection
and savings in cash value life insurance may force
the purchase of term insurance to obtain
adequate death protection.
Protection and Cash Value per $100 Premium
Buy Term and Invest the Difference
1.The choice between term and cash value life insurance
is usually not a risk management decision,
it is an investment decision.
2.The choice is not between term and cash
value life insurance, but between cash value life
insurance and other investments.
3.In making this choice, cash value life insurance
should be judged against the same standards
as other investments.
Life Insurance as an Investment
1.A considerable amount of literature--much of
which is generated by vendors of competing
investments--condemns life insurance as an investment.
2.Much of this literature oversimplifies a complex issue.
3.There are some situations in which life insurance
compares favorably with other investment alternatives.
Life Insurance as an Investment
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