理财保险是集保险保障及投资功能于一身的新型保险产品,属人寿保险的新险种。理财保险是指通过购买保险对资金进行合理安排和规划,防范和避免因疾病或灾难而带来的财务困难,同时可以使资产获得理想的保值和增值。目前,在我国开展的理财保险险种主要有分红保险、投资连结保险和万能保险。理财保险具有安全性、长期性、确定性、强制性、融 Money Insurance is a new type of insurance product that integrates insurance protection and investment functions. It is a new type of life insurance. Financial insurance refers to the rational arrangement and planning of funds through the purchase of insurance to prevent and avoid financial difficulties caused by diseases or disasters, and meanwhile, the assets can be preserved and added value ideally. At present, the main types of wealth management insurance in China are dividend insurance, investment linked insurance and universal insurance. Financial insurance is safe, long-term, certainty, compulsion, and financial