It's reported that ICBC, together with Taikang Life Insurance Company Ltd., will recently provide Investment-linked Insurance service with the name of Taikang Anxin Financing Investment Linked Insurance on Internet, which originates in China. ICBC sells Taikang's Investment-linked Insurance online, which is convenient for customer to buy the insurance. Customers can enjoy the convenient and fast insurance financing service at home.

In recent years, ICBC has been trying to develop the online insurance service, expand the insurance cooperation range and enrich the internet insurance types and ICBC has achieved good effects. Till July, ICBC sell on behalf of more than one hundred insurance products of twenty insurers via Personal Internet Banking and ICBC.COM Insurance Channel. The sales volume is over ten million Yuan, which increases thirty times compare with that at the end of last year.

According to the expert's introduction, the Investment-linked Insurance is an insurance product which tightly links to the capital market and simultaneously cares about the indemnification. The product includes insurance indemnification function and investment yield function and it is popular among the customers. In the recent prosperous capital market, the insurance product's market prospect is very bright. Taikang Anxin financing investment linked insurance has the following characters. First, the insurance has investment and indemnification function. The trade type of this kind of insurance is similar to fund's subscribe, purchase and redeem. The fund collected by this insurance will be put into the capital market and the expert will help the customers make the investment and financing plan. At the same time, this insurance has the indemnification function. The customers can share the basic life insurance indemnification for 101 percent of the guarantee slip value. Second, the customers can select the account flexibly. The new insurance has four investment accounts, actively growing investment account, balanced configure investment account, stable yield investment account and funds picked investment account. The customers can flexibly master the risk according to their own risk acceptance and each year they have five free times to transfer the capital among the accounts. When the stock market is prosperous, the investors can select the actively growing investment account to share the high yield from the stock and when the stock market is not stable, the customers can select the stable yield investment account to get the relatively stable yield. Third, the insurance has its own character in indemnification. The investment account and the life insurance account are managed separately, so the price change of the investment account cannot affect the insurance account amount. At the same time, the customers can adjust the insurance account amount by their requirement.

The experts also introduced some advantages of buying the Taikang Investment-linked Insurance via ICBC Internet Banking. First, the service online is originated via ICBC Internet Banking. Now the new generation of this kind Taikang insurance can only be bought through ICBC Internet Banking. Second, it can be bought online without going to the counter. This kind of insurance could only be bought on the bank counter or insurer counter in the past, but now the ICBC Internet Banking provides the customers a convenient and fast trade market. Third, the customers can share more preferences via ICBC Internet Banking. The ICBC Internet Banking customers will get more favorable fee rate if they purchase this kind of insurance.

Next, ICBC will provide Investment-linked Insurance service for more insurers on the Internet. It will enrich the insurance products on the Internet and expand the online insurance cooperation scale, which will let more ICBC Internet Banking customers to enjoy the life of convenient financing at home.