Participating life insurance can be decomposed into three parts:a fixed-income bond, a bonus option and a surrender option.
分红型人寿保险保单可以视作由三部分构成：固定收益债券、分红权和退保权。
Surrender is not considered as an option by them, but they may eventually see it as the only way out.
“投降”对于他们来说不会是一个选项，但是最终还是会看到它将是唯一的出路。
Surrender is not considered as an option by them, but they may eventually see it as the only way out.
“投降”对于他们来说不会是一个选项，但是最终还是会看到它将是唯一的出路。
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