Abstract: A process apparatus and a mutual insurance method performed by the process apparatus are provided. The process apparatus is connected to a database storing a basic insurance group, receives a basic insurance application of an applicant, generates basic policy information of the applicant according to the basic insurance group and the basic insurance application and stores the basic policy information in the database. The process apparatus further calculates a current basic insurance premium of the applicant according to the basic policy information and a current death number corresponding to the basic insurance group. The process apparatus further transmits the current basic insurance premium to the applicant. Thereby, the process and security of the insurance are simplified and improved respectively.

Abstract: A method and insurance platform for whole life insurance implemented in the insurance field of financial e-commerce is provided. The present invention reflects the interactivity between a consumer and a platform provider in the age of network technology, and creates an insurance platform to enable the consumer to expand his/her credit on the platform and increase investment opportunities according to his/her own risk preference. The present invention provides the insurance platform to replace the savings block of the whole life insurance, such that information symmetry is created between an insurance company and the consumer and the closure of the conventional insurance product is broken to enable the insurance products to compete on the active market of financial products.

Abstract: A method for providing investment insurance, and a related system, for use in the insurance business of financial e-commerce provides a novel funding operation approach to investment insurance. The novel funding operation approach allows a user to select to expand credit, and increase return on investment, or select to deposit with zero risk. The system for investment insurance allows insurance companies to receive a surrender fee and eliminate interest risk, and the applicant may expand their credit to increase their return on investment for enhanced protection of their insurance policy.

Abstract: A process apparatus and a mutual insurance method performed by the process apparatus are provided. The process apparatus is connected to a database storing a basic insurance group, receives a basic insurance application of an applicant, generates basic policy information of the applicant according to the basic insurance group and the basic insurance application and stores the basic policy information in the database. The process apparatus further calculates a current basic insurance premium of the applicant according to the basic policy information and a current death number corresponding to the basic insurance group. The process apparatus further transmits the current basic insurance premium to the applicant. Thereby, the process and security of the insurance are simplified and improved respectively.

Abstract: An investment-linked insurance apparatus and method are provided. The investment-linked insurance apparatus comprises an insurance process module, a cash flow module, a credit evaluation module, a bid process module, and a database. The insurance process module receives an insurance request of an applicant. The cash flow module receives a payment of a premium of the applicant. The credit evaluation module determines whether a credit line of the applicant is greater than the predetermined amount. The insurance process module issues an investment-linked policy of the applicant in response to the payment. The bid process module receives a placed bid of a current bid term of the applicant and calculates a predetermined bid of the current bid term. By the investment-linked insurance apparatus and method, an applicant can buy the investment-linked policy in a user-friendly environment.

Abstract: Method performed by an annuity contract system includes managing a bid module according to participation of a user; before the user starts to pay premiums according to an annuity contract, generating a premium amount through the bid module and a investment management module; and at an end of premium terms as specified in the annuity contract, determining an annuity amount according to a remaining asset of the user settled according to the annuity contract, a result of managing the bid module, and a management result of the investment management module.

Abstract: A method and insurance platform for whole life insurance implemented in the insurance field of financial e-commerce is provided. The present invention reflects the interactivity between a consumer and a platform provider in the age of network technology, and creates an insurance platform to enable the consumer to expand his/her credit on the platform and increase investment opportunities according to his/her own risk preference. The present invention provides the insurance platform to replace the savings block of the whole life insurance, such that information symmetry is created between an insurance company and the consumer and the closure of the conventional insurance product is broken to enable the insurance products to compete on the active market of financial products.

Abstract: By creating a self-determined interest rate platform, a trust fund can be transferred on the platform through a bidding process, so that risk oriented consigners can expand their credit to increase their investments, enhancing assurance to a beneficiary. On the contrary, this can increase interest income of discreet consigners through direct low-cost financial transactions. By creating a trust fund transaction platform, individual consignment funds can reflect the cash demand in the money market on the platform, so that the number of participants can increase the strength of marriage trusts and expand the trust fund market.

Abstract: A method for providing investment insurance, and a related system, for use in the insurance business of financial e-commerce provides a novel funding operation approach to investment insurance. The novel funding operation approach allows a user to select to expand credit, and increase return on investment, or select to deposit with zero risk. The system for investment insurance allows insurance companies to receive a surrender fee and eliminate interest risk, and the applicant may expand their credit to increase their return on investment for enhanced protection of their insurance policy.

Abstract: A marriage obligation fulfillment insurance method and system is implemented in the marriage insurance area of financial e-commerce. An insurance company using the method and system to incorporate a bid platform can remove interest risk and earn a service charge. The policy owner can expand his credit and investment during the insurance period of a marriage insurance contract set up with the insurance company. The marriage insurance contract will refrain the policy owner from getting divorced.