Abstract: A method and a system for endowment insurance at autonomous interest rates implemented in the insurance field of financial e-commerce are provided, in which endowment insurance funds are operated in a new mode through a deposit and borrowing platform at autonomous interest rates. Thus, an insurance company can avoid bearing interest rate risks, and a consumer earns an interest of direct finance before winning a bid and has opportunities of raising funds and expanding investment after winning the bid, so as to earn higher returns than the conventional endowment insurance in a form of club deposit. The system for endowment insurance at autonomous interest rates performs various operating procedures of the endowment insurance at autonomous interest rates, including policy purchasing, guaranty and security, funds competitive bidding for the deposit and borrowing platform at autonomous interest rates, investment management, calculation of investment profit and loss, profit sharing, and insurance money payment.