我们认为:储蓄性保险业务是优化聚资的有效方法。因为,储蓄性保险业务是一种保险期较长,而且被保险人或投保人在较长的保险期内必须一次或按规定连续不断的交纳保险费,保险责任方可有效。只有在被保险人发生保险事故或保险期满,被保 We think: The savings insurance business is an effective way to optimize the capital raising. Because the savings insurance business is a long insurance period, and the insured or the insured person in the longer period of insurance must pay once or in accordance with the provisions of the insurance premiums, insurance liability can be effective. Insured is insured only if the insured person has an accident or expires