Unit-Linked Life Insurance Products Versus Other Alternative Investments

Cristina Ciumas () and Diana-Maria Chis ()

Knowledge Horizons - Economics, 2015, vol. 7, issue 3, 222-227

Abstract: Unit-linked insurance is a life insurance policy with investment component. An important component of the activity carried out by the insurance companies is the investment of the premiums paid by policyholders in various types of assets, in order to obtain higher yields than those guaranteed by the insurance contracts, while providing the necessary liquidity for the payment of insurance claims in case of occurrence of the assumed risks. This research contributes to the existing literature regarding the study of investment alternatives, with an exclusive focus on the investment in unit-linked life insurance. A special place in this study is the presentation of investments in unit-linked insurance versus other types of financial investments: deposits, treasury bills, shares (BET), currency (EURO) and gold.

Keywords: Unit-linked life insurance; alternative investments; investment programs; protection component; investment component (search for similar items in EconPapers)
JEL-codes: C58 C87 G14 G22 (search for similar items in EconPapers)
Date: 2015
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