市场经济的发展,金融制度的日益宽松为中国百姓创造了越来越多的投资机会。作为社会保障制度的补充,商业人寿保险发展势头不弱。特别是最近银行利率下调,更多的人把目光投向了同具储蓄和保障功能的商业人寿险。面临人人都不可避免的生老病死,传统的存钱投资方式开始动摇,对商业性个人 The development of market economy and the increasingly relaxed financial system have created more and more investment opportunities for Chinese people. As a supplement to the social security system, the development of commercial life insurance is not weak. In particular, bank interest rates have been lowered recently, and more people are turning their attention to commercial life insurance with savings and security features. In the face of the unavoidable illness and death of all people, the traditional method of depositing money has begun to falter. For commercial individuals