BẢO HIỂM NHÂN THỌ MANG lại lợi ÍCH gì CHO mỗi cá NHÂN, GIA ĐÌNH và xã hội CHO ví dụ MINH họa

ĐỀ TÀI:
BẢO HIỂM NHÂN THỌ MANG LẠI LỢI ÍCH GÌ CHO MỖI CÁ NHÂN, GIA
ĐÌNH VÀ XÃ HỘI. CHO VÍ DỤ MINH HỌA.
I. Tìm hiểu về bảo hiểm nhân thọ
1. Sự ra đời và phát triển của bảo hiểm nhân thọ

 !"#$%&'()*
+,(-./0.12'!.
",1+-.*34+445
6'789:;;%&;<;7=
%&9&+,&>?7:
@ABCDE'6&=9FGH4!IJ*:KE'''
039+86&L;;=$7<:
MN&;;E'6&=$O:@APQPE'
IHR7O@APPPAPPDSE';TU'H
444-'':
=19<4;-@ADPCG&45
N?19QVWCXE@SWWQG&45
19SWAYXE:
2. Những đặc điểm cơ bản của bảo hiểm nhân thọ
2.1. Bảo hiểm nhân thọ vừa mang tính tiết kiệm vừa, mang tính rủi ro.
IZ& .[+4+(\E'
)9E';/+,(1$%&'(
)0\&O]1;/2':^,(
))9++&>-.)-
.)4_:",(')NN<)
'E'1'?1/)+
(-\%&/45:^,('843,
456T&,H;45;G#
;`:K5<O']5-/]57:
2.2. Bảo hiểm nhân thọ đáp ứng được rất nhiều mục đích khác nhau của người

tham gia bảo hiểm.
K;#57N?)/a]9)4_:Kb
9)4_!c*&5 ;4d&6&7
)-4(&";]446>.7,7?
'&:ce 84)9<+,(
?.e:
cN?E33+O-4',"
5G#);;,)'?&2Hf_G&
<:::::
2.3. Các loại hợp đồng trong bảo hiểm nhân thọ rất đa dạng và phức tạp.
IZ4g(&9)4_;&b9Z)4
;)4_C@AW@:IZ)4_1Z9;&9;
&(,(4fd45+&>`'
+)4_Z%&/;=h-4d94:
2.4. Phí bảo hiểm nhân thọ chịu tác động tổng hợp của nhiều nhân tố, vì vậy
quá trình định phí khá phức tạp.
4\-(&459=+4gT45
;45%&i)4_`451L+46-&
9=;4g+467'&;94#&+T+&>
)&>?<%&N7,(9
4fd;0&-6&`c_.;45
+,'&,4.TX/X/7'\)4_0&-6&X
/94;`j<%&;<.;$N'-4d943\4k"
7Z94g4N5G3(/(&14;7Z
G34g=.&:
2.5. Bảo hiểm nhân thọ ra đời và phát triển trong những điều kiện kinh tế - xã
hội nhất định.
6&;lf$7'&4;(&
/20+44;:
(&/Td&O47GNX/94;7_(

X;,;mnFmF`
(&/20+_T(&/(GN,&>?&<7GN
<+?-X/e7of:
(&/20+<E4;4ih$E\
4;7:p&O;@=%& (O4
1;-(T56&)4_&`N'-(5
-,3,19+G:
3. Các loại hình bản hiểm nhân thọ cơ bản.
3.1. Bảo hiểm trong trường hợp tử vong.
:e[:
c)i;2'0%&'.7)4_:&;
E2'<)EO)-[
+45],450:
c"T92;.;/%&'()59d45
-4<E4O4=%h'/):
I#5T;45;E-)<N
k;;)6('"-4
7):
:N??:
p9<'#$+,(
0)-.=)4_)-d8
]'i)4_:
c"T,()+6)9
E2;.45+6".[E
'>&,%&;<45f145
9[9=+/$#:
I#5T45;E-&O4>.,
<<9G$/4G/&:
3.2. Bảo hiểm trong trường hợp còn sống
-79<'

((&"+2;."&,&+
:&)1'9;< EO
)-[+(:
c"T)-4.[)2;."
45+6&)-4.[<
E2;.:
I#5T&O4,.(&'&>d'&1
&6&4#&+48)20+';&>)d,
@;39&+:
3.3. Bảo hiểm nhân thọ hỗn hợp.
-7R<')4)
.e'3,:
c"T,()9)4_")
.e992;.45
.[E'>&,9)0
E%&6&45h)45E(&/
4#:
I#5T&+,<N9O4%&J&5;G#
)G&O-4',"$/4G`
II. Lợi ích đem lại của bảo hiểm nhân thọ
1. Đối với cá nhân:
m,;9<;N?lk4#
@(5"47:
Thứ nhất99+id/(:
'<--&(;+4;%&'lk$6&'
2''(&e($N:&'=3+;?
h-4GqT&N?:
KL6+,(&@&N?
/E)kk 9)#=&/7<:
rsKb9+Z@oG)A/&_O'

-=&@AWW/&_sAWW@sO/
):l<d/E%&&N?&b
'%&<O4d0'AWW/&__:
t-(&2HN?+<d/-4<
iG&T
u/(&"T;/E9d=<1/
 E5&J:
u/X&OT9G+,(,&$+-
.@
unv(79E48&,8h)T(&' 2;\
;;GZ8(eG#&&<4;#5/
6&79!%&J&5f&:::*
Thứ hai99N&'/,(51?<&,7
2'&+,:
&+,E178 172'(
d\H'7=?f1&+,;'H
45'1</&N?80+
)8458445NE'"44
794O4/:::
Thứ ba 849N-)&+,$<9_9 
-''=N(61N&17-k
&+,:c>.&+,&$&5(:
Thứ tư849)&_%&JG43;f+G
f
Uf+G7(OG#'f+'Es
I+,<2E+O-'l/9?E6,
Gf6<? ':
)4'?6&)4_,+2N'G&
(":j5G#TK;94gZ)4:?3'+,(
=55.)4_7<10&-&0:UELv8

?q)6'7?w=5/;6&:j&<
E'2'E'q;6'7+/;!
&];)*1;:)E:
2. Lợi ích của BHNT đối với gia đình
Đảm bảo tài chính cho gia đình trước những rủi ro
t7(&;\:n&)4#+
7<"447< &EN?s
j/&N? 84#+</;/
7<,1=39:)47-<?
 )N?5k4#-;:
&N?<l?xK%&1y:UE
k)< %&:N?4f/
l%&1'E88 Ev+82;9&O4
7+<:c(&'[/?,1_
)\?'?&-46'7G< N'
&-'b'E%&:
N?/%&Nk77<,1
;'4#&+:I"Gv9''?J&O0
4;7-q2'0dl
(&;N<$=@8%&q+=
<"/=9#+.".fOrz:
U<445;E-45l/&,H45
4q&&Ovk4&2&'=.-:U@f+
9;r#;/.4T)
4#G{,w&EG9';@?`nvl/,)2q+
;>d20+)-4@hL591
k)N&G("5: 46
%&')@:
)4+=1,/4hO':'+(@1
(&O4f1(&/'43,:N?

4|4w=+15&O4f
7<43)4-kN& 2':
p%&J/f7H
K@f7ofEL;/7<7
20+:c/)#=&<;Ow4)+
5-.G|:nL62N'G+9(&
"X&Ol/N?9/)
;/@.1f7o:
m842N'G9G97;N<T
(&1f2N'&EE"1f;?
E4:0'1f/l/&
N?:$<//X&O 8495h')+
5E(\:]9/)f17<:
m84&_5(&:
}h&,+&>:(&(&4-
,%&0&,:n/N? 
849)&_5G_G(&:]$&>
v;&E4k(5=&8':
cN'h+=6&
&9E@&GE$E'fd
;`<N?+?8k:9E
4&6&<.=2&,4gE;)N=E
/&%&`9L/_)[;990)
(=/;:
m84>.20+:
I&N?r94d<E&+2N'
G-1>.20+:n0'&'E/i
r-;N<+_20+'9:
3. Với xã hội
Tạo sự ổn định xã hội thông qua việc BHNT góp phần ổn định tài chính cho người

tham gia hoặc người được hưởng quyền lợi bảo hiểm
• N?/,-;&O4
UEk)< %&:N?4f/
l%&1'E88 Ev+82;9
&O47+<:
c(&'[/?,1_)\?'
?&-46'7G< N'&-'b'
E%&:
)4+=1,/4hO':'+(@1
(&O4f1(&/'43,:N?
4|4w=+15&O4f
7<43)4-kN& 2':
O'k(-k(f7=&)
&,
• N?3+<d/
'<--&(;+4;%&'lk$6&'
2''(&e($N:&'=3+;?
h-4GqT&N?:
KL6+,(&@&N?
/E)kk 9)#=&/7<:
rsKb9+Z@oG)A/&_O'
-=&@AWW/&_sAWW@sO/
):l<d/E%&&N?&b
'%&<O4d0'AWW/&__:
,(7&&E&E)446
84?'=Nf(&O47<:
Huy động nguồn vốn nhàn rỗi trong nhân dân, đầu tư cho những dự án trung và dài
hạn cho sự phát triển kinh tế - xã hội của đất nước.
H157;&'=),ZGNj/
AAX~^nCW•Gl:cN'+),

Z1;>d5&'+)G0045
(&:(19E/4;/9;<
,+&6&-'&dE&+'1;5
;$e-1l&8,6&7189
;(@1:1<<'N?6
9&'+&_,ZGN4##&6&6&4;
u20+7-1:N?+<d%&?
&'+&_,ZNGN6&G94;
u20+7-1l1<9',110&-:
j1&_,1&)]45084E'6&;r
E<1"/;E<f$96:/i)4_
;E'N?3eG#&_,7
<T
• K'-4
• m4,=G
• I&;4&547;4&G/40e(9;
>d5G#E9:
• I&>4&;4&G/4E04,;
G/4;,CW•,Z]G43/4#:
• c,1/G-+'&X;6&%&;>d
55G#,YW•,Z]G43/4#:
9+G'7;E'N?(&
G;&G9=&_),:UEO'
"(%&'()N?9'(&
N?<&_7;E'N?'
1|H&_);G;hG9f:
Huy động vốn đầu tư nước ngoài .
j,6&+E'86&-1+5;
4v)4 &)+),6&=;<N?
+.d1o-4Gq,1;6&1:f

"7/4#N?5-G9=&_,&
-4(h1:';6&&
)(&)&OG? 4#6&E8\.j/
:
Bảo hiểm nhân thọ góp phần nâng cao phúc lợi xã hội
N?%&'()7ZEGN2&-/7
N?0&+,)4;+;
9:^4;'8+0f(O-
6:UN?8 ,;f<0
-.7E':nO'd=4fG/<
N?0N48)20+:=N
?4469;/920+140GN9::::
&EN?<++5
<"49-@+8&+,7< 
"4&E@:}h&6&948&6&_9
E,)l+l5d7<<-
? (l;/4;444;49)&6&':j1
47<E'N?0446/;E<48
);&&f5E+:
Tạo công ăn việc làm cho nhiều người.
j1GN,6DW/&9GN,o@=,)=
h+;d,120+/&E-(\
)E/'(&
E<+<h-(&<+E)eG#8
#5:j1;>d9+GE'h
4d</4&720+9E@/9
<9-/4:1+;'7<9+
N?049/++4OE\)
+:j<O'4;04469(&E@/1
,)-/41;"N;1:

'/;917E'N=95E1
::`:/'j/AQE'4N?PE'
N?BE'E19+1=AWW4g
N?CWW4g4N?:^4;9'
7|H,)(--11
ACW:WWW`:
BHNT là biện pháp đầu tư hợp lý cho giáo dục và góp phần tạo nên một tập quán,
một phong cách sống mới.
c6&;G#4)+N,H,4;:
N;13Hw445;G#'@
80/+,4;4T=&?47;f%&
G/4/9;G#=',N
Z)?O4:::&'=L/4;4rE5-<
E>.&'+;61420+:
N?u#f<};G#+/4;4&'+
&_,G96&/;G#]//2&'=
97Z<:c-'h+4;44462N'G#=&
El20+<6&fH<EL;/20+
3;/7]<:N? 
)%&J;G#;'#+<-"
&O4:
N?4469=4;O4%&;,1:
N?/+4,w4kf
<%&Nf7N_446;G#H
<(d5/6v,;/1;:
]9%&'()5<]9%&'()N
_44;720+:KN,%&'.
4;:nO'//)5;(Ev%&
?/5/)4;G/
7c1:

BHNT góp phần giảm gánh nặng cho ngân sách Nhà nước và tăng thêm quyền lợi
cho người lao động.
84@5&JN;1446%&'+,-(
20+-(-/4-(;G#:::&E€@
N;14+)(;1;;N
E'"47G1<d)-4!)-4,&)-4-/::*:K;
' @=;"N;1:
j10/<7+,41;
7_9+/!E'72'=9;
+'€+3)$%&'()]&?
*:=9&5&'/+3
)$)-4&5)N;"
<h20+:
I"Gv(&/,0)NE1)7
2'-d8:N?+;/
Z;N<,9->("572':€|
("20+N?04466v•>
G7N':
j-((&&>, (&/,)/<,7
h)NGq1L/'GN,:K5
<64f(&N?5+E
#/(&:&5&'/+3
)$)-4&5)N;"
<h20+:;;N?04461;
";/20+,1(&:::
K0446E\/%&'+,-(20+
;G#2;•-/4vk4>--9
&+,446;";/20+,1+
&>`:
 Lợi ích mà bảo hiểm nhân thọ mang lại cho Việt Nam

u N?04+46;mnF71
K#%&+,@&T
X?G&45‚mnF9SWAAuSWAV
@ SWAA SWAS SWAV
n&45
!X
_*
AQ:WWW AP:VDB SW:YSW
mnF!X_* S:CVC:WWW S:QQS:CAW V:WAV:DQA
L/G&
45
WQV WQD WQB
‚mnF!•*
X/G845‚mnF;1-'N?04
46@mnF71446/@$-1
u UE&_,&)]N?36&$9.
9f+;6&4;G
Tổng số tiền đầu tư của các doanh nghiệp nhân thọ từ năm 2011 đến năm 2013
cf.TX_
@SWAA @SWAS @SWAV
CD:WQV QY:PBD PA:WWW
/4mnFN?34+)
,1(;9+6&57N?6&
;4&547eN6&>4&:@SWAVKf-&
6&7;nN?51QS•6&
;4&547AQ•eN:K;9#6&7>
4&4,X?\P•>6&. Như vậy việc đầu
tư của bảo hiêm nhân thọ đã cung cấp vốn cho nhà nước để thực hiện những chính
sách kinh tế, cung cấp cho ngân hàng nguồn vốn để thực hiện các hoạt động cho vay
đồng thời giúp các doanh nghiệp có được nguồn vốn kinh doanh thông qua việc đầu

tư vào cổ phiếu. tuy nhiên vì đặc thù kinh doanh của ngành bảo hiểm cần yếu tố an
toàn nên các hình thức đầu tư mang tính an toàn cao vẫn được các doanh nghiệp ưu
tiên hơn.
u N?384),(_f
,1-k2'1?:K#,(N?
%&;@(&@:
Số tiền chi trả của bảo hiểm nhân thọ giai đoạn 2011-2013
cf.TL_
@SWAA @SWAS @SWAV
Q:WSD P:PCC D:CDW
O'N?=46&O4
84<?)%&@92'_
N?h1;"1(48)20+:
/';E'N?32&'=);
f<20+T2•Z)?•)`=&
&9F&GH9+7ƒ&JF&GHHO4&Vr7'&
&T
• 9+;G#T?>$;G#c9Z).
;G#:::
• ^,\HTU;4;&,"o9+)
.'>k‚_N'9E:::
• Z)+_T"%&d&)=<r:
III. Vận dụng vào công ty bảo hiểm nhân thọ Bảo Việt
1. Giới thiệu về công ty bảo hiểm nhân thọ Bảo Việt
>E'j/N?)O4'SS‚Q‚ADDQE'
=7O45„j/$G/4
 N? 6&  =9j/  :jL&  C@9  +'
VW‚AA‚SWWAj/N0)%&+,A/&)4_
E'N?6&==.;5,':
j/N?1+h;+=APWWN=SC:WWW-=

&'=/4ON1;…191QWE'=
@434##;=k41:j/N?0)
fC/&;=1$?:
j/N?&EG&'<G/4@$/&%&4;(
b.d95E%&>;.;%&JG
43/4#1&E)"$//+4N;
1(&9+44;&7-1:
x(k„(y„4fN9+7
;+N=-=7j/N?=1:I?9
+7j/N?&E11)5,-;
&EG/46hNO'7GNj/
-<TpG/46&7.N?j/
<+E//914gG.#G9-),
6hO'-1GNj/
iG7j/N?T
uU;&NTG;1,%&N7;;4
df<;)(4gG.#:
uKE;TUdJ@;+)3%&'/
%&H,E=6)4;6';d
(&f+4;?4(&)]OE:
uF;(T+&E)G=T-&&E?
/)57;=…)51k4E1)5N&G:
u;/1+_T^4;7j/N?&E@(1
;9+]/N-)&+,45<
.)7+_:
2. Những lợi ích của công ty bảo hiểm nhân thọ Bảo Việt đem lại cho cá nhân, gia
đình, xã hội trong thời gian hoạt động vừa qua .
KE'N?j/4;];N&:pG
/417(h@91;E
'1;.N?$j/'$

+.(@:j12&4;20+E1
;<dN?(&'>.]
=f$;9+rE94;&7-1)>
.(f:c(&)/a%&)5G/4'
9-1:K2|(N?&+,G/4
1E'N?j/=46&&
=7:IE/$E'N?j/h-
@+N=)9J{-)4&9=
-=\-:t]-N&$j/("&'(
,hf/&E'N?j/+.51
937(&;46$%&
+;./7E'h/
N?;.59d20+N@
2N&k:
4g7E'7(&/
4g&+9,-=.j/4g4v)4
1-;4620+$j/(&'9;
'=NG=;'&,/'&,f/&'&,4##-
(&'&,;:-G=4gN?
9(&f;.;):
j1+.(N?(@$j/E'
N?j/0&-4;4gl//
20+:K#T
uc,1];N<E'&-4;4g
N?u4;+;G#$&5
.)4;?`l("5N
<f'k4#O&%&-"4479'
/O45(&./45`K;4g'3&-4
f</9G/6&9)d6&!d*
;:K;4g7E'EL;G#_>-

&74;3446-1-(43]79
>-:
„c,1(E'N?j/hG
/4k%&J(/-19Z$
6&1:j<O'E'33&5&'
+-4,/&%&(;G#(&3>.(
rE:
„c,120+])5;4g7E'H9
];N<7?0446%&?20+
;46720+&+,,w45f:]842N'G
-1'4_.f:
p+G/41E'N?j/@
(&-(&/=%&;9+]/20+:cN''&,
9(&f;.N@N&kE'(:I+>.
20+(&-[1h&,=/+E'&+
/,G/41E'N?j/&E
%&J]/Z)20+E'O'9;.
"/20+:/99G9;
;+(5>.fE'
E'N?j/34469>.•
"4/OHfE;9`(&
'/j/N?+G/4+f/&2d6
G/4f/&19)(&E%&
<j/N?;20+-1: