| With the advancement of the society and the rapid development of mar-ket economy, the problem of aging population in China becomes increas-ingly urgent, which promotes more and more attention on life insurance. The demand for new types of insurance has always been an open issue. This arti-cle focused on specialized insurance for people with particular attributes and consolidated different aspects of existing research results. We explored dif-ferent insurance implementations based on the annuity trend and employed the random data simulated from the data in " China's experienced life table in life insurance industry (2000—2003) " to analyze the market per-spective and to assess the expected benefits. We also studied the expected consequences of retrograde choice based on the enhanced annuity market en-vironment.
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