红双喜新C款保险产品的收益分析与建议

The Analysis and Suggestions on the New C-type Insurance Product of Double-Joy

分别建立储蓄情况下的客户总收益模型及购买保险情况下的客户总收益模型和保险公司的利润模型,以解析保险产品——红双喜新C款畅销10年的奥秘。通过对比得出结论:从客户的角度来说,购买保险的收益总额与储蓄的收益总额基本相等,但获得了1份有效期10年的"身故保险";从保险公司角度来说,其获得的利润相当于客户在储蓄方式下获得的本利和的1.1倍。

This paper constructs a customer＇s general-revenue model when they have been depositing money and when they have bought insurance respectively and the insurance company＇s profit model so as to uncover the secret of new c-type insurance product of double-joy with popularity for 10 years. It leads to a conclusion by means of comparison： in view of the customers, the profit of buying insurance equals the profit of depositing money, except that they get an ＂eventuality cover＂ which is valid for ten years when they invest in insurance; in view of the company, the profit they obtain equals 1.1 times of the total capital and the profit it generates.