Development of modern science and technology , social progress , alteration of human living environments and the aging of population have resulted in the changes of disease spectrum and mode of medical science . the human race nowadays faces many unprecedented challenges in health care 科技的发展，社会的进步，人类生存环境的改变以及人口的老龄化，导致了疾病谱的变化和医学模式的转变，人类健康面临着许多前所未有的挑战。
Thus , the aging of the population has led to the burden of the working population growing problems affecting china ' s social and economic development , as well as the corresponding infrastructure , legal system and other material and the spirit of building the new requirements 这样，人口的老龄化就导致了劳动力人口负担不断增大的问题，影响了我国社会经济的发展，并对相应基础设施、法律制度等物质及精神各方面的建设提出了新的要求。
Then , the article researched the development and potential of life insurance in china . on the one hand , since the developing history of life insurance is very short , the economy in china will be stronger and stronger , more and more people will get into aged , life insurance market has immense potential . on the other hand , life insurance in china facing much more difficulties such as the consciousness of buying life insurance products is weak , the impact ing of inflation , the change of bank interest ing rate 文章首先研究了世界寿险业的发展现状及趋势，然后对我国的寿险业的发展现状及潜力进行了研究，我国的寿险业由于发展历史比较短，但是随着我国经济的发展壮大，人口的老龄化，市场经济体制改革的不断深入，寿险市场具有巨大的潜力；与此同时也面临着许多困难；人们的投保意识比较差，通货膨胀的影响，银行利率变动的影响等。
