是一种趸交的类似生死两全险，带有分红性质的一种金融产品。产品设计时就已经规定好投资在哪些品种上，并且中途不太会做调整。目前没有中文译名，并不是“债券”。
Bonds are not insurance, although they are often confused, perhaps in part because many insurance agents also sell bonds on behalf of surety companies. They guarantee performance. They do not indemnify as insurance does. They are not debt instruments, which is what a "bond" is commonly understood to be.
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