A part of the premium that customers hand over is used to purchase the insurance guarantees , the another part is used to purchase the investment unit of the independent investment accounts that are established by the company 客户所交保险费的一部分用于购买保险保障，一部分用于购买保险公司独立投资账户的投资单位，由投资专家进行投资运作，客户享有全部投资收益，并承担相应的风险。
There are five viewpoints as follows : firstly , the successful practice of personal housing mortgage loan requires consummate housing mortgage loan market system and participation of housing mortgage loan insurance guarantee agencies supported by government . secondly , it needs related rules and laws for guarantee thirdly , it should make varies ways of paying back to adjust to different families who has different incomes , hobbies and age structure . fourthly , the government should put more emphasis on the low and medium income families for their housing purchase loan 即个人购房抵押贷款的成功运作需要有完善的住房抵押贷款市场体系和政府支持的购房抵押贷款保险担保机构的参与；要有相关法规作保障；抵押贷款还贷方式的设定应灵活多样，以适应不同收入、不同偏好、不同年龄家庭对抵押贷款的需求；政府应重点支持中低收入家庭购房贷款；个人购房抵押贷款不仅有赖于商业性金融机构的参与，而且也要有政府成立政策性住房金融的支持。
The investment connected insurance is an insurance product which has the insurance guarantees with both investment and finance function as the integral whole . it not only provides customers with the death from disease and accident and whole disability etc . , and also satisfies customers " needs of properly protecting and increasing the value of inventing and financing 投资连接保险是一种近年来才在我国出现的集保险保障与投资理财功能为一体的新兴保险产品，除了提供疾病身故，意外身故和全残等一般传统保险所具有的保险保障功能外，还可以满足客户资产保值、增值的投资理财需求。
Business property insurance , the family property insurance , building insurance , the installation of insurance , freight insurance , motor vehicle insurance , shipping insurance , and energy insurance , a shipyard liability insurance guarantee insurance , credit insurance , the china insurance regulatory commission approved the other property insurance 企业财产损失保险，家庭财产损失保险，建筑工程保险，安装工程保险，货物运输保险，机动车辆保险，船舶保险，能源保险，一船厂责任保险，保证保险，信用保险，经中国保监会批准的其他财产保险业务。
