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了解寿险新产品开发的特点和发展趋势，以及同业公司产品开发的策略，对于各家寿险公司制定有效的新产品策略有着非常重要的意义。根据北京开和迪的监测统计，仅2005年1至9月各寿险公司就推出了75款寿险新产品，外资公司在产品开发上显得尤其活跃，数量占了50％以上。以友邦保险为例： 截至2005年9月30日，友邦共有116个个险产品，代理人渠道产品100个，其中意外险的险种最为丰富，达到31个。健康险产品则有21个，排名第二。
Understanding the characteristics and development trend of life insurance new product development as well as the strategy of product development by peers is of great significance to formulating effective new product strategies for life insurance companies. According to Beijing Kaihedi monitoring statistics, from January to September 2005, all life insurance companies launched 75 new life insurance products. Foreign-funded companies are particularly active in product development, accounting for more than 50% of the total. Take AIA as an example: As of September 30, 2005, AIA has 116 personal insurance products and 100 agent channel products, of which the number of insurance types covered by the accident insurance is the highest, reaching 31. There are 21 health insurance products, ranking second.