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The Future of Investment Done by Unit Linked Insurance in Romania

Author

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  • Marius Gavriletea

    (Faculty of Business, Babs-Bolyai University, Cluj-Napoca, Romania)

Abstract

One of the most dynamic life insurance products in Romania is unit-linked insurance. The basis principles of this insurance are a combination between protection – insurance perspective, and capitalization - investment perspective. In the moment of buying such insurance, the potential client must choose an insured sum from a given interval, taking into account the individual appetite for protection or investment. During this paper, we will do an analysis of the evolution of this insurance for two major insurance companies in Romania, and a parallel research of the investment done by these insurance companies using the insurance life premiums. The accounts of the insured people are influenced by these investments, especially decreased by the worldwide financial crisis. In the end of the paper, we will present the conclusion and the proposal for both insurance companies and insured people.

Suggested Citation

  • Marius Gavriletea, 2009. "The Future of Investment Done by Unit Linked Insurance in Romania," Interdisciplinary Management Research, Josip Juraj Strossmayer University of Osijek, Faculty of Economics, Croatia, vol. 5, pages 819-830.
    • Handle: RePEc:osi:journl:v:5:y:2009:p:819-830
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    Citations

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    Cited by:

    1. Cristina Ciumas & Diana-Maria Chis, 2015. "A Comparative Analysis Between Unit-Linked Life Insurance And Other Alternative Investments," Annals - Economy Series, Constantin Brancusi University, Faculty of Economics, vol. 3, pages 27-36, June.
    2. Ciumas Cristina & Chis Diana-Maria, 2014. "Pricing And Assessing Unit-Linked Insurance Contracts With Investment Guarantees," Annals of Faculty of Economics, University of Oradea, Faculty of Economics, vol. 1(1), pages 864-873, July.

    More about this item

    Keywords

    insurance; unit-linked; individual accounts; investment; financial crisis;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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