中国寿险业自1982年恢复经营以来,取得了较快的发展。产品和消费者之间存在着互动的关系,即产品引导了消费,同时消费又反过来影响产品。保险产品也不例外。在寿险业发展初期,根据当时消费者对保险的认识有限、储蓄是消费者主要的投资手段、孩子是家庭的主要关注点等特征,开发和推广储蓄型寿险产品,尤其是针对少儿的险种。随后,在保险公司的引导下,人们逐渐认识到为家庭主要经济支柱购买保险对家庭的重要性,成人寿险产品开始热销。1996年起国家进行几次大的利率调整,促动寿险产品向保障型发展。利率的波动使消费者希望有一个稳定的投资 China’s life insurance industry has achieved rapid development since its resumption of operation in 1982. There is an interactive relationship between the product and the consumer, that is, the product leads the consumption while the consumption in turn affects the product. Insurance products are no exception. In the early stage of life insurance development, the development and promotion of life insurance products for saving type, especially for children, were based on the consumer’s limited understanding of insurance at that time, the fact that saving was the major means of investment for consumers and that the children were the main concerns of the family. Subsequently, with the guidance of insurance companies, people are gradually realizing the importance of purchasing insurance for families as the main economic pillar of the family, and the adult life insurance products are beginning to sell well. Since 1996, the state conducted several major interest rate adjustments to promote the development of life insurance products. Fluctuations in interest rates make consumers want a stable investment