分红保险是指保险公司将其实际经营所产生的盈余，按一定比例向保单持有人进行分配的人寿保险。
Insurance of share out bonus is the profit that points to insurance company to manage its actually a generation undertake to guarantee slip holder by certain proportion divider birthday is sure.
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。
Participating life insurance can be decomposed into three parts:a fixed-income bond, a bonus option and a surrender option.
互助是保单持有人参与公司治理的行动基础，分红是保单持有人参与公司治理的行动激励。
The mutual assistance is the basis for policyholders' participation in corporate governance, the profit sharing is the incentive for policyholder to participate in company governance.
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