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目前,中国寿险业正陷入两难的尴尬:销售利率高的产品势必带来巨大的经营风险,而利率低的产品又难受市场的青睐。何去何从,寿险业面临“生存还是死亡”的危机。在这种情况下,保险产品创新势在必行,呼唤浮动利率的非传统型寿险产品即投资连接保险和分红保险问世。
At present, China’s life insurance industry is in the dilemma of being embarrassed: selling products with high interest rates is bound to bring tremendous operational risks. Products with low interest rates are also uncomfortable with the market. Where to go, the life insurance industry is facing a “survival or death” crisis. Under such circumstances, innovation in insurance products is imperative. Non-traditional life insurance products that call for floating interest rates, namely, investment linked insurance and bonus insurance, have come out.