山西省寿险业经过初创、恢复、发展三个时期 ,业务范围在逐步扩大 ,但由于人均收入远远低于全国平均水平 ,人们保险意识偏低 ,市场主体极度匮乏等原因 ,使得山西寿险业存在许多问题。要想彻底解决这些问题必须明确发展方面、转换经营机制、积极建立中介机构、加强同业合作及寻求政府支持。 The life insurance industry in Shanxi Province has been expanded, started up, resumed and developed in three stages. Its business scope is gradually expanding. However, due to the per capita income far below the national average, people’s low insurance awareness and the extremely lack of market players, Shanxi life insurance industry many questions. In order to completely solve these problems, we must clearly define the aspects of development, change operational mechanisms, actively establish intermediary agencies, strengthen peer cooperation and seek government support.