Literally, investment-linked insurance is divided into two parts: "investment" means investment, "linkage" means superposition, and "insurance" means insurance. So from these three points, we know that investment-linked insurance is an insurance product integrating investment and insurance. It also belongs to financial insurance and can be understood as a fund in insurance.

Second, the difference between investment-linked insurance and funds

1, different functions

Compared with funds, investment-linked insurance has a stronger safeguard function, and funds have no safeguard function because they only have the function of investment. Investment-linked insurance is a kind of insurance, so its insurance purpose is stronger, especially the investment-linked pension insurance products in the market have the characteristics of anti-inflation and strong attraction.

2. Different risks

Investment-linked insurance, as an insurance product, has three investment types: deposit, bond and securities investment fund. The investment of funds is mainly concentrated in high-risk return activities such as stocks, so the risk is relatively higher than that of investment-linked insurance.

3. Different expenses

The consumption of investment-linked insurance products is higher than that of funds, because in the initial stage of investment-linked insurance, consumers have to pay a lot of joining fees and various handling fees. If you surrender, you also need to pay a certain fee, but the fund is relatively simple in this respect and does not need various handling fees. So if you buy the wrong insurance, do you want to surrender it? If you surrender, why don't you lose money? Can I return the wrong insurance? How much can I refund if I surrender? How to surrender in full?

4. Different forms

As an insurance product, investment-linked insurance has its own unique account, that is, protection account, which can predict the risk of the insured's death and bear the corresponding responsibility, but the fund does not have this account.

5. Purchase channels are different.

Investment-linked insurance is usually purchased from various insurance companies in the market, and most funds are purchased through banks or fund companies when they are on sale. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

6. Different flexibilities

The purchase of investment-linked insurance is slightly more complicated than that of funds, so it is necessary to sign relevant insurance contracts with insurance companies and stipulate the investment period in the contracts. If the contract is terminated in advance, the insured will also bear certain losses. The purchase of funds is more convenient and simple, and investors can also decide whether to sell or not.