Shirley2022-02-13 14:38:46
Shirley冲刺笔记下54页说去life insurance coverage 不属于financial capital，那它算human capital吗？看到截图解答一个说cash value life insurance算人力成本，但另一个回答又说算fiancial capital，所以到底是怎么区分？
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Chris Lan2022-02-13 16:31:09
Chris Lan同学你好
第一个截图应该更准确。这块的原文在P373页，是在financial capital下面讲的。
严格意义来说，应该是Cash-Value Life Insurance算是financial capital，而不是cash value。
2.2.4.3 Cash-Value Life Insurance A variety of types of life insurance are available, including cash-value life insurance, for which the policy not only provides protection upon a death but also contains some type of cash reserve. This form of insurance usually combines life insurance protection with some type of cash accumulation vehicle. Some insurance policies allow the purchaser to invest in relatively aggressive investments, such as equities, although more conservative investments, such as bonds, are generally more common. Life insurance products will also be discussed at greater length later in the reading.
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所以是n1.cash value life insurance是financial capitaln2.整体的life insurance的话，既不是financial capital 也不是human capitaln是这样吗？
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同学你好
所以是n1.cash value life insurance是financial capitaln
是的。
2.整体的life insurance的话，既不是financial capital 也不是human capitaln是这样吗？
是的。因为理赔款是给到受益人的，不是给投保人的。
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