中文摘要：

我国人身保险市场现有的险种，大都针对城市富人和中产阶层，而实际上，社会低收入者比前者面临更多的人身风险。目前在世界多个发展中国家得到推广的小额保险恰可解决这一问题。小额保险具有保费低、产品设计简单、定位准确等特点。在推广该险种的过程中，保险公司要特别注意结合我国国情，创新险种设计，选择合适的销售渠道和保费收取模式，实现经济效益和社会效益的“双赢”。

英文摘要：

At present, most of China＇s commercial life insurance products target at urban rich and middle class. While in fact, civilian from urban low income families are faced with much more life risks. Micro life insurance, which is springing up in many developing countries, is a good solution to this problem. Micro insurance product has low premium, simple designation and specific segmented market. However, when promoting this product, commercial insurance companies should adapt the product to China＇s actual situation.