购买任何一件商品都必须了解其功用，才能谈是否合算。以人寿保险为例，它实质上是以确定的少量的保费支出保障未知的、高额的人身风险。它对于投保人的主要作用在于，当家庭成员尤其是家庭的主要收入者遭遇伤残病老或死亡时，保障家庭的正常生活，如何科学地投资寿险呢 ?新老 Buy any one product must understand its function, to talk about whether it is cost-effective. Take life insurance as an example. In essence, it guarantees unknown and high-risk personal risks with a small amount of premiums that are determined. Its main role for policyholders is that when family members, especially the main income earners of the family, experience the normal life of their families and how to invest their life insurance rationally,