Structured products in the form of the insurance contract Cover Image

Produkty strukturyzowane w formie umowy ubezpieczenia
Structured products in the form of the insurance contract

Author(s): Magdalena Szczepańska
Subject(s): Law, Constitution, Jurisprudence
Published by: Polska Izba Ubezpieczeń
Keywords: structured products; insurance contract; unit-linked life insurance contract; derivative; investment life insurance

Summary/Abstract: The article „Structured products in the form of the insurance contract” is educational in its nature, and its aim is to present a new type of life insurance known as structured products. The article describes the structure of this product and forms in which it is offered on the market. Structured products consistof two elements: the „safe” one, based on bonds, and the „risky” one, based on derivatives. Such a pro- duct makes it possible to combine the guarantee that the principal amount invested will be reclaimed with a potentially high rate of return Due to the structure of the product itself, it can take the form of life and endowment insurance and unit-linked life insurance contract, which are appropriately modified in comparison with classical life insurance.

  • Issue Year: 2013
  • Issue No: 2
  • Page Range: 35-49
  • Page Count: 15
  • Language: Polish
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