随着我国进入老龄社会,“4-2-2”家庭模式凸显,“养儿防老”即将成为过去,养老不可能全部由家庭来承担,社会保险和商业保险就显得尤为重要。社会保险与商业保险的人寿保险尽管有不少共同之处,但毕竟区别很大。本文从不同的方面详细地介绍两者的差别,以便劳动者、投资者加以区别。 As China enters into the aging society, the “4-2-2” family model highlights that “raising children and preventing old age” is about to become the past, and the elderly can not be entirely borne by families. Social insurance and commercial insurance are especially important. Social insurance and commercial insurance, although there are many common life insurance, but after all, very different. This article describes in detail the differences between the two in different aspects so that workers and investors can make distinctions.