索引保險產品如何運作？
索引保險產品如何運作？
 Video Transcript: Hello everyone, I'm Steve Savant, syndicated financial columnist and host of the weekly online talk show, Steve Savant's Money: The Name of the Game. I'm answering questions from insurancelibrary.com and today's question is, "How does an index insurance product work?" Well, let's say you wanted to buy a house. And you weren't really sure if you wanted to buy it, so you rented the home and you gave them a $5,000 check on the side to give you the right to buy it. At the end of the year, you saw the neighborhood decline or you didn't like the neighborhood. You could exercise your right to move out. You'd lose your $5,000, but that would be it. If you like the house and it appreciated in value, then your $5,000 was a good investment and you went ahead and you purchased the home. So depending upon the value, this works similarly in index products. In index insurance products, you have two ways to go. You can use an indexed annuity or you could use an indexed life insurance contract. Both of these work similarly to the posture I've given you as a basic example of buying and renting a home. Well, that's our consumer question for today. If you have any questions, just submit them to www.insurancelibrary.com.
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