with-profits policies

Investment-based insurance policies are investments whose return are in the form of bonuses which depend on profits made by insurers. There are many factors which influence the level of bonuses, including the return the insurer gets on investing premiums, cost levels, claims experience, whether there are shareholders who receive part of the profits, and the extent to which the company tries to smooth bonus levels from one year to the next.

Financial and business terms. 2012.

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