一、投资连结保险产品的特点随着世界寿险业的发展以及市场环境和投保人需求的变化,欧美一些国家在寿险展业的长期实践中,开发出了新的保险品种———投资连结保险。这是一种融保险保障和投资理财为一体的新型保险产品,它既有传统人寿保险的保障功能,又可以用保费进行投资。这 First, the characteristics of investment link insurance products With the development of the world’s life insurance industry and the changes in the market environment and the needs of policyholders, some countries in Europe and the United States have developed a new insurance product --- investment link insurance in the long-term practice of life insurance exhibition industry. This is a new type of insurance products that integrates insurance protection and investment and wealth management. It not only has the guarantee function of traditional life insurance but also can be invested with premiums. This