基于生命价值理论的寿险规划研究

On Life Insurance Planning Based on Life Value Theory

根据"生命价值"理论,人的生命价值可以通过投保人寿保险来体现,即可用人寿保险的保额来衡量一个人生命价值的大小。此外,人寿保险具有很强的价值功能,其强有力的风险保障功能和资产保全功能是其他金融产品所不可替代的。同时,人寿保险作为一种制度安排,在"养老金"、"教育金"、"医疗金"、"死亡金"等规划中具有不可替代的优势。因此,寿险规划问题的深入研究与分析,无疑对人寿保险业的发展和完善有所裨益。

According to theory of value of life,the value of human life is represented by life insurance.It means that life value can be valued by money invested in life insurance.In the meanwhile,life insurance as an institutional arrangements,is also irreplaceable on pension,education foundation,medical insurance and death compensation.Based on these facts,we present our theory on how to optimize the life insurance planning.The purpose of this paper is to give practical suggestions for life insurance financial services.