我国人险业务自80年代恢复以来,已历经了十几个春秋。在保险业务发展初期,作为低保费、低保障的简身险发挥了巨大的作用,成为当时人保公司的拳头险种。但是,十几年后的今天,简身险日益显示出其局限性。考虑到以下几个因素,在沿海地区发展高额人寿保险,完善保险服务领域,已势在必行。 1.经济因素。沿海地区近年来经济发展迅猛,人均收入多居全国前列。年收入万元以上者在沿海城乡尤其普遍。根据恩格尔定律,当人们的收入达到一定标准,其消费结构也必将发生相应变化。人们解决了温饱 Since China’s personal insurance business was restored in the 1980s, it has gone through more than a dozen spring and autumn. In the initial stage of the insurance business, it played a huge role as a simple insurance with low premium and low guarantee and became the fist insurance of PICC at that time. However, more than a dozen years later, simple insurance has increasingly shown its limitations. Taking into account the following factors, it is imperative to develop high life insurance in coastal areas and improve insurance services. Economic factors In recent years, the coastal areas have witnessed rapid economic growth and the per capita income ranks among the highest in the country. Those with an annual income of more than 10,000 yuan are especially common in coastal cities and rural areas. According to Engel’s law, when people’s income reaches a certain standard, their consumption structure is bound to change accordingly. People have solved the problem of food and clothing