我国保险业的基本法《保险法》规定,产险与寿险必须分业经营。这是势在必行,因为两者的保险对象不同,保险期限不同,经营管理不一样,稳定性不一样所决定的。对于人寿保险来说,面临着十分严峻的问题:原来的相互依托丧失了;领导力量一分为二,当家的第一把手大都主持产险工作;高峰期的满期给付,退保等被严重的资金占用所影响;老的条款、险种的结构都不适应 China’s insurance industry, the basic law “Insurance Law” provides that property and life insurance must be separated. This is an imperative because the insurance targets of the two parties are different, the term of the insurance period is different, the management and administration are not the same, and the stability is not the same. For life insurance, it faces very serious problems: the original mutual dependence has been lost; the leadership has been divided into two parts; most of the top leaders in the household are in charge of property and casualty work; and the peak period payment and surrender have been severely funded Occupied by the impact of the old terms, the structure of insurance are not adapted