引进累积式分红保险产品的思考

A Reflection on the Introduction of Cumulative Participating Insurance Products

英国累积式分红保险是一种融保障、分红和投资于一体的非传统型寿险产品。本文介绍了该保险产品产生的背景、定义、产品特征以及在英国的开发背景和原因；时该类产品的设计开发进行了分析；对与之类似的传统分红产品和投资连结产品进行了比较；最后时累积式分红保险在我国寿险市场的引入和可能存在的问题进行了探讨。

The cumulative participating product in the United Kingdom is a type of non-traditional life products combining insurance protection, dividend participation and investment. This article introduced the background of its origination and its definition, major features and background of product development in the U.K. It analyzed designing and development of this type of products and compared it against similar traditional par products and investment-link products. Finally, it explored the issues about introducing this product to China and possible problems for doing so.