分红保险是指保险公司将其实际经营成果优于定价假设的盈余,按一定比例向保单持有人进行分配的人寿保险产品。在发达国家已运用两百多年的分红保险,作为抵御通货膨胀和利率风险的主力险种,其主要优点在于投保人除了可以得到传统保单规定的保险金给付外,还有机会分享保险公司的 Dividend insurance refers to life insurance products that the insurance company allocates to the policy holder according to a certain percentage of the surpluses whose actual operating results are superior to the pricing assumption. In developed countries, dividend insurance, which has been used for more than two centuries, as the main type of insurance against inflation and interest rate risks, has the main advantage that the insured has the opportunity to share the insurance company’s insurance policy as stipulated in the traditional insurance policies