分红保险是客户享有保单红利分配权的保险。分红保险最早起源于18世纪70年代的英国,被发达国家成功开办了200年的时间。在世界各国寿险市场上,分红保险占有相当的市场份额。如北美,80％的寿险产品具有分红功能;德国分红保险占寿险市场85％的份额;香港这一份额更是高达90％。分红保险在中国寿险市场出现较晚,至今只有一年 Dividend insurance is the customer’s policy of insurance dividends. Dividend insurance was first originated in Britain in the 1870s and was successfully launched in developed countries for 200 years. In life insurance markets in all countries in the world, dividend insurance holds a considerable market share. For example, in North America, 80% of life insurance products have a dividend function; Germany’s dividend insurance accounts for 85% of the life insurance market and Hong Kong’s share is as high as 90%. Dividend insurance in the Chinese life insurance market appeared late, so far only one year