摘要
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-type life insurance products are composed of dividends insurance, universal life and investment-linked insurance; they occupy the mainstream position in the domestic and foreign sales of life insurance products. However, an unclear understanding of the nature and attributes of the product become one of the main sources of product sales disputes in the future. From the insurance point of view and legal point of view, the characteristics of the new life insurance products are sorted out the different risks faced by the insured and the insurer in the insurance contract, especially the risk of the insured.
出处
《改革与战略》
2013年第6期33-38,81,共7页
Reformation & Strategy
基金
中国人身保险从业人员资格考试项目2011年度研究课题资助
广州市人文社会科学区域金融政策重点研究基地资助
关键词
新型寿险
投保人
保险公司
风险承担
new life insurance product
policyholders
insurer
risk-bearing
