摘要：人寿保险作为我国保险业的重要组成部分，其发展对整个保险业的发展具有举足轻重的作用。寿险产品作为直接满足保险消费者风险保障需求的载体，其产品开发的现状和问题分析是目前的重点。本文围绕寿险产品的市场调研、有效产品开发、技术革新、培养营销人员及寿险产品整体概念这几个方面对寿险产品开发对策进行阐述。

关键字：人寿保险 寿险产品开发  提升产品概念

Abstract: Life insurance as an important part of China's insurance industry, its development has a pivotal role in the development of the insurance industry as a whole. Life insurance products as a direct carrier insurance to meet consumer demand for risk protection, the status of its product development and problem analysis is the current focus. This paper focuses on the life insurance products, market research, effective product development, technological innovation, training of marketing personnel and the overall concept of life insurance products described several aspects of the life insurance product development countermeasures.

Keywords: Life insurance；Life insurance product development ； Analysis of the problem

　　中国寿险业仍处于发展的初级阶段，对比保险发达市场，受益于保险深度和密度的提升，中国寿险业未来的发展毋庸置疑，但寿险业在经过一段较长时间的快速发展之后，自身存在一定的调整、纠偏需求。面对目前遭遇的渠道困局，不管是主动求变，亦或是被动应对，发展方式的创新、转型已成为一种必然选择。 

　　总之，针对我国寿险产品开发的现状，市场调研、恰当的产品开发策略，寿险产品整体概念、借助优秀的产品开发与营销人才都是必不可少的，满足这些才能开发出适合我国寿险市场情况的满足人们需求的险种。这样，才能借助于产品优势，取得竞争的胜利。