寿险产品是一种特殊的劳务商品 ,其产品创新既遵循产品创新的一般规律 ,又有其特有的规律和特点。寿险公司应根据自身发展目标、核心能力和目标市场的要求 ,确定合适的产品创新战略。产品创新战略要有超前性 ,要与产品定价策略相配套 ,注重新产品的长期盈利能力和着眼于业务的整个流程。 Life insurance products are a kind of special service goods. Their product innovation not only follows the general law of product innovation, but also has its own unique laws and characteristics. Life insurance companies should be based on their own development goals, core competencies and target market requirements, determine the appropriate product innovation strategy. Product innovation strategy to be forward-looking, with the product pricing strategy to match, pay attention to the long-term profitability of new products and focus on the entire business process.