Research On The Design And Development Of Innovative Insurance Products In Rural People

China now has entered the new stage of building a new socialist countryside,and China is a typical agricultural country,farmers accounted for most of the population,so first of all to protect the vital interests of farmers,medical and pension guarantee to solve the problem of farmers,that can effectively improve the quality of life of farmers.Rural commercial insurance is an important part of rural social security.With the city commercial life insurance development at present compared to the rural market development,but the lack of effort,the popularity of personal insurance in rural areas meet the dual requirements of maintenance of social stability and balance urban and rural insurance market.So how to design suitable for the rural life insurance market is a very important study,how to reverse the current development of rural life insurance penetration slowly also need more scholars to study.The benign cycle of rural life insurance product development is of great practical significance to the present stage of China’s rural population aging,improve rural social security system for the aged.At present,the development of life insurance product design of China in rural areas lags behind the market demand in rural areas,rural personal insurance products must innovate to solve the farmer’s real demand.Based on this research background,this paper introduces the background and current situation of the development of rural life insurance,and analyze the development situation of the rural life insurance market and problems.Most rural personal insurance products copy over by the city product and now the income of farmers is improving steadily,so most people of the existing rural life insurance products are not really suitable to meet the needs of farmers.Really suitable for rural residents of the personal insurance products is very scarce.In this paper,aiming at the above problems,the design of the questionnaire.By on-the-spot investigation and questionnaire survey in the rural area of Hubei Province,the data were collected and analyzed.From many aspects of the point of view which contains the full consideration of the differences between urban and rural areas,rural population characteristics and rural traditional culture.Then put forward innovative ideas and suggestions of rural personal insurance product design,to design more humanized rural insurance products,ultimately promote the rural personal insurance products and the market toward the positive direction.