近年，在我国迅速发展的寿险市场上，保险产品出现创新浪潮，中外保险一齐登场一窝蜂地炒作分红型（投资型）险种，以吸引大众投资。“分红”保险以其独特的锋芒覆盖着庞大的市场，因而一进入市场便受到投资者的追捧，成为百姓投资新宠。以至于全国各大城市及广大的农村地区出? In recent years, with the rapid development of China’s life insurance market, there has been a wave of innovation in insurance products. Both Chinese and foreign insurance companies are also launching swiftly into red-hot (investment-based) insurance to attract public investment. “Dividends” insurance covers the huge market with its unique edge, so it will be sought after by investors as soon as it enters the market and become the new favorite of people. So that the major cities in the country and the vast rural areas out?