It's different in other countries; in Europe, they've had universal banking, which allowed banks to offer insurance for a much longer time but in the U.S.
这与其他国家是不同的,在欧洲,那里有综合银行,它们提供保险服务已经有很长一段时日了,但是在美国
There's something called "universal life"-- these are all explained in Fabozzi, et al.
还有一种叫做综合性人寿保险,在法博齐的著作中有所提及
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