What are the investment insurance products? Investment insurance is a new type of insurance in the domestic insurance market in recent years, which has the dual functions of insurance protection and investment and financial management. Generally speaking, the return on investment of investment insurance is mainly related to the investment income or operating performance of insurance companies. If the insurance company's funds operate well and efficiently, the insured can get better benefits, that is, the insurance company and the insured share interests and risks. At present, the common investment insurance in the market is mainly divided into the following types: 1. Dividend insurance Dividend insurance refers to a new type of life insurance product in which an insurance company distributes its actual operating results to the insured in a certain proportion. The main function of dividend insurance is insurance, and dividend is the subsidiary function of dividend insurance. The dividend of dividend insurance comes from three aspects: dead spread, spread income and fee difference income. Dividend income is uncertain, linked to the actual operating performance of insurance companies, and there is no upper limit, but it may not be distributed. Second, universal life insurance Universal life insurance is a kind of life insurance with flexible payment, adjustable insurance coverage and non-binding. This kind of insurance is investment life insurance, which is between dividend insurance and investment-linked insurance. After purchasing universal insurance, the premium paid by the insured is divided into two parts: one part is used to purchase expected life insurance, that is, death insurance; The other part is used for personal investment accounts. The initiative to set the examination/large guarantee amount and investment amount lies with the insured. After universal insurance, the insured can adjust the insured amount, premium and payment period according to the security needs and financial situation at different stages of life, and determine the best proportion of security and investment, so as to make the limited funds play the greatest role. Third, investment-linked insurance Investment-linked insurance, referred to as investment-linked insurance, is an insurance that integrates insurance and investment functions. The policy provides life insurance, and the value of the policy is determined at any time according to the investment performance of its investment fund at that time. The cost of investment-linked insurance mainly includes initial premium, risk premium, account conversion fee, bid-ask spread of investment unit, asset management fee and partial refund premium. The fees charged above are also different according to different products. Generally, the fees are higher in previous years, which is suitable for long-term financial planning. Linked insurance is suitable for people. Investment-linked insurance is a new type of insurance wealth management product which integrates security and wealth management. Its advantage is "fund in fund", which can be used as long-term insurance financing. The payment method of investment-linked insurance is more flexible. While enjoying the investment income of insurance companies, the insured also needs customers to bear certain investment risks. Although this is a good insurance wealth management product, it is not suitable for anyone. Investment-linked insurance is more suitable for three types of people. Young people, because of their strong ability to resist risks and flexible payment methods, can be one of the ways for young people to accumulate funds for a long time; 2. Families who want to invest and need high security, because the security fee in the investment-linked insurance is calculated according to the natural rate, and the premium is relatively low, so they can invest more money and enjoy higher security; 3. People with abundant funds can invest a lot of money at one time or in batches, and put the money into different asset baskets while having security, which can better realize the comprehensive allocation of family financial management methods. Investment-linked insurance is not suitable for three types of people to buy. First of all, only those who need insurance protection are not suitable to buy investment-linked insurance. Secondly, elderly people with low risk tolerance should not buy investment-linked insurance. Finally, people with strong short-term capital needs should not buy investment-linked insurance.