Then how about everybody's insurance plan?
Can still get the money back from the insurance company?

我也想知道万一AIG破产了，人寿保险会怎么样？

我猜AIG要是倒闭了，影响面太大了，应该会在UBS,CITIBANK什么之后出事吧。

现在我算知道了保险公司不保险啊。

that's the reason why 美国政府力保两房不倒！

姑且不论政府会否出面干预AIG的状况先，即使AIG真的破产了，人寿保险的life fund也是不会消失的，因为保险公司的life fund属于trust类型，不属于保险公司的资产。

For each insurance selled the insurance company is required to put some deposit in MAS to prevent they zero out the whole insurance while bankrupt.

If in China, for life insurance, IRC will put the insurance company up to auction and the taking over company will also take over the insurance policy. If there are not company interested in buying it, IRC will appoint an insurance company (Usually PICC or Chinalife) to take over these life insurance polices.

the life insurance premiums are put into life fund which is a trust, it is not the asset of insurance company

参考公司：John Hancock， Keppl Insurance等。

帮客户做Policy Review的时候，反到的老古董，现在在新东家下依然有效，维持原条款不变。

the same question was asked during a training he conducted recently

最多只是guaranteed value拿回。客户还是会受很大损失的。专业不精阿。