随着保险业的发展和消费者保险意识的不断增强和成熟,一种新的人身保险形式——低负担人身保险(Low—load life Insur-ance)近两三年来开始在美国各州悄悄地流行起来。低负担人身保险也叫做只收费用的人身保险(Fee only life Insurance),是指保险人不再通过传统的经纪人或代理人,而是直接通过邮政方式或通过一种起着类似于经 With the development of the insurance industry and the growing consumer awareness of consumer protection, a new form of life insurance-Low-load life insurance-has quietly become popular in the United States in the past two to three years stand up. Low-burden life insurance, also known as fee only life insurance, means that the insurer no longer passes through a traditional broker or agent, but rather directly through postal or through a service that is similar to