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200912INSURANCESTUDIESNo.122009(,430072)[],,,,,,;,,,[];;[]F840.32[]A[]1004-3306(2009)12-0052-062080,AIDS,AIDS,AIDS,,,AIDS,,,,,,,,AIDS,,(Viator,),,,,,,,,2080,90,,HIV,AIDS,AIDS,,AIDS,,,,,;,AIDS,,,,,,19906,40005000,200;,2003653600,,;5000,20%,1000,1/5,[],,25,1.(),(1)(viator),,,,,,,ABC112182436486070(%)12212842506072:(irrevocablebeneficiary),,,,,4.(InternalReserveServiceRegulation;IRSR):,,,;1996,(HealthInsurancePortabilityAc2countabilityActof1996;HIPAA),,(terminalill)(accelerateddeathbenefit),(chronicallyill),,AIDS,,1.205060,,,,2008,601.5989,12%;,2008,,60311800;,20206020%,2030,604,15,,20099,120,3.8,,,;,GDP3.3%,43,105(),1.66,174.3,1200,1080001,2000352.,,,,,,,,,;450,200;;,;84,61,288;2,80%,1600;,,,,,,,,,,,3.200934:,,,,,,;:,,4.,,,,,,,,,,,,;,5.,,,,(),,,,,,,,2009930,123.37,86.7642.2%,,,2008,,200737.79%6,,;,,,,,,,,,456.,10%,,,,,5%,10%;,,,;,20,,,,,,,;,,,,,,;,;,,,,,,,,,,,1.,102030,,,,;,,,,,,,,;,,,,,,,,,,,,,,;,2.,,,;,,,,,3.(),,,,;,,,,,4.,,,,;,,,,,,,,,,,,,555.,,,,;,,,,,,,,,,,,,1.,,,,,;,,,,,,,,;,2.,,,:(1)2000,,2008,2008,6021.6%,300.57,4.8,8053.44,17.8%,6.4%;,,81.28;79.06,83.50,2008,86.38,2.01(2),,,2008,600.06,24.33%23:7783:17184.09,31.67%25.74,20072.510.48,1818.854.55%,4352,130.82008,101,96,5283,458,57582(3),,,,,,3.,;,,,,,4.;,,,,,,5.,,65,,,,,,,6.,,,,,;,,,,7.,,,,,,;,,;,,[][1],.[J].,2002,(5).[2].[J].,2005,(12).[3].[J]..2008,(1).[4].[J].,2006,(2).[5].[D]..2001.[6],.[J].,2003,(2).[7].[J].,2009,(8).[8]...2009.[9].[J].,2008,(3).[10],.[J].2003,(3).[11].[J]..2009,(7).[12],.[J].,2007,(4).Abstract:Aviaticalsettlementisthesaleofalifeinsurancepolicybytheownerwithapricediscountedfromthefaceamountbeforeitmatures.Itisawin2wininvestmenttool,throughwhichinvestorsgettheinsurancepremiumpaymentwhenpolicymaturesandtheselleranimmediatecashsettlementtopayextremelyhighmedicalexpensesandpensioncost.Alongwiththeopeningupofthefinancialmarketandrisingpublicawarenessofinsurance,itwillbenefitthepolicyholderstointroducethisinnovativeinsuranceproducttoChina.Keywords:viaticalsettlement;developmenttrend;feasibility[:]75