【保险学术前沿】文章推荐：人寿保险的经济职能

Core Viewpoint - Life insurance serves multiple economic functions at both personal and national levels, providing income security, savings mechanisms, and contributing to national GDP [3][4][22]. Group 1: Economic Functions of Life Insurance at Personal Level - Life insurance provides income protection for dependents in the event of the policyholder's death, ensuring financial stability for families [7][8]. - It acts as a savings tool, with various life insurance products offering long-term savings benefits, although these are affected by inflation [14][17]. - Life insurance can also serve as collateral for loans, helping families manage debts such as mortgages after the policyholder's death [9][10]. Group 2: Economic Functions of Life Insurance at National Level - Life insurance contributes to national GDP by providing services that individuals value, which can be measured by the premiums paid [23][24]. - The industry generates income through various channels, including payments to policyholders, taxes, and salaries, which further supports the economy [25][26]. - Life insurance also plays a role in capital markets by providing long-term investments, which can help stabilize inflation and support infrastructure development [27][22].