With the development of life-insurance, there are the innovation products of life-insurance in the insurance market, including Variable life insurance, Universal life, Variable universal life and Life Participating. 随着人寿保险市场发展,人寿保险产品也不断推陈出新,在传统保障性产品的基础上出现了变额寿险、万能寿险、变额万能寿险、分红险等新型寿险产品。
The product innovation shall focus upon R & D efforts of participant life insurance, variable life insurance and universal life insurance. 产品创新应将主要精力放在研究和开发分红保险、变额保险和万能保险上。