將既有商品保障內容延伸擴大，可以簡單快速地成為創新商品。本文旨在探究台灣保險市場僅因延伸擴大既有商品保障內容，所產生後續可能的不預期結果。

New ideas for innovative protection products can be launched very simply by extending the scope of an existing product. This article explores how unintended consequences emerged from product extension in the Taiwan market.