Simply put, investment-linked insurance is similar to a fund, which belongs to investment and financial insurance with * * * income * * risk, and belongs to radical insurance.

If the financial market is booming, this kind of insurance still has certain advantages because the income is relatively high.

But for example, in 2008, the financial environment was not good, and many investment-linked insurances could not be said to be lost, but the principal was not guaranteed.

Popular explanation, a simple example is better understood:

You give me the money and I help you invest. If you make money, we will share it. If you lose money, you will bear it yourself. Besides, I can't help you invest for nothing. You have to give me a management fee every month.

Therefore, personally, instead of buying investment-linked insurance, it is better to buy funds first, and then choose traditional insurance in terms of protection. Lest, as in 2008, the final capital is gone, and then the insurance is gone.