原人身险中人身意外伤害险及简易人身险，1996年改为短期性人身险及储金性人身险。

The personal accident insurance and industrial life insurance were changed to be short-term personal insurance and personal insurance in saving nature in 1996.

更极端的是，这种策略甚至会让人身险恐惧。

Taken to an extreme, this strategy can intimidate and terrorize.

并由此形成了“责任险方案”和“人身险方案”并存的市场供给局面。

The"liability insurance scheme"and "personal insurance scheme"are coexisting to provide the service to the market.