a lot of studies on insurance were from the standpoint of insurance companies and d**coursed upon the application of insurance funds and r**ks asses**ent.relatively,only few **s touched on how to invest in insurance,exploit the competitive advantages and reduce the investment r**ks from the viewpoint of personal investment or the family.in view of th** context,th** ** specifically carries out some studies on th** subject.firstly,it explicates the concept of investment oriented insurance and illustrates the character**tics and merit of investing in insurance when compared with other forms of investment;it then meticulously describes the basic knowledge,case studies,suitable people,investment strategies and r**k indications on insurance investment;and finally it d**cusses the proper selection of insurance policies for different people in order to maximize the returns on investments.