日本寿险业虽然起步较欧美晚 ,但经过 10 0多年的发展 ,19世纪 80年代已成为世界寿险业最发达的国家。目前 ,人寿保险已经深入日本的国民生活。据日本生命保险文化中心 1997年《全国寿险实况调查》结果显示 :日本国民的家庭投保率为 93% ,投保件数为 4.9件 ,投保金额约 1.3亿日 Although the Japanese life insurance started later than Europe and the United States, after 10 years of development, the 1880s of the 18th century has become the most developed country in the world’s life insurance industry. At present, life insurance has penetrated into Japan’s national life. According to the results of the “National Livelihood Insurance Survey of Japan in 1997” conducted by Japan Life Insurance Cultural Center, the rate of home insurance coverage for Japanese nationals was 93%, the number of insured items was 4.9 pieces, and the insured amount was about 130 million yen