Visual Interpretation of R&D of Participative Life Insurance Product of Female—A Case Study of the Female Policyholders in Huamao Central Community of Beijing

This paper employed research methodology of direct-vision visual anthropology to highlight the role played by a combination of emic method and etic method. In the field spot of Huamao Central Community of Beijing, the author conducted in-depth interviews objectively with different age groups of women(adolescence group, fertility group and menopause group), and learned about their true feelings, actual needs, which were reflected in the process of the product design, the clauses drafting and the product pricing. The research ideas of participative life insurance product of female intended to enable the female policyholders to fully participating in developing process of the product.Through participative research, the researcher, being outsider, was transformed into insider of the community in which the female insureds were living; prospective female insureds in the community, as the outsiders, who involved in developing process of product design, investment operations, and benefits obtaining from the participation, was transformed into insiders of insuring industry, in this process, enable women to truly know about life insurance products, to understand life insurance behavior, to improve awareness of protection, furthermore, to effectively recognize and experience function of protection, risk prevention and risk diversification. From a perspective of R & D of life insurance product, female group could make a realistic planning for their future lifetime, and transform infavorable factors into favorable ones positively, while effectively preventing risks, improving women's quality of life, and earnestly protecting women's rights.