论我国县域寿险业发展的产品创新

On Product Innovation of County Territory Life Insurance of China

县域寿险作为县域保险的重要组成部分,是支持“三农”、服务经济社会的主要力量。为此,应加快县域寿险的产品创新,努力开发出保险责任简单,缴费灵活,保费低廉,保障适度,手续简便的县域寿险产品。只有这样,县域寿险才能找到新的业务增长点,提高自身竞争能力,从而实现可持续发展。

Being an important part of the county territory insurance, county territory life insurance is to support the ＂three agricultures＂, and serves as the main force of economic and social services. Therefore, it must speed up innovation within life insurance products, and make efforts to develop series of products with simple liability , flexible payments, low premiums, moderate protection and straightforward procedure. Only by this way can county territory life insurance find new business growth , improve its competitiveness and thus achieve sustainable development.