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一般来说,新型寿险产品主要包括分红险、万能寿险和投资连结险等,它们在国内外寿险产品销售中占据主流地位。但由于人们对该产品的性质和属性认识不清,日后就成为产品销售纠纷的主要来源之一。文章从保险角度和法律角度,分析新型寿险产品的特点,理清投保人和保险人在保险合同中面临的不同风险,特别是投保人的风险承担问题。
In general, the new life insurance products mainly include dividend insurance, universal life insurance and investment link insurance, which occupy the mainstream status in the sales of domestic and overseas life insurance products. However, due to the poor understanding of the nature and attributes of the product, it has become one of the major sources of product sales disputes in the future. From the perspective of insurance and law, the article analyzes the characteristics of new life insurance products and clarifies the different risks that policyholders and insurers face in insurance contracts, especially the risk-bearing issues of policyholders.