The Future of Investment Done by Unit Linked Insurance in Romania
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.
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