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低利率时代分红保险发展：前景、困境和建议_蜘蛛资讯网

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相关部门应通过销售培训等形式，向销售人员传递分红保险的设计思路、红利来源、分红形式和投资情况等多重信息，深入解读利益演示数据和落实分红平滑机制，建立严格的销售误导惩罚机制，遏制销售误导行为的发生。此外，保险公司还可通过提供理想的薪酬待遇，吸引高素质、高学历人士加入，提高保险销售队伍的综合素质。　　（二）优化产品设计，进行科学定价　　保险公司应结合自身的产品属性和投资能力，优化产品设计。在保证账户部

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