I am an insurance agent in Hong Kong. The investment-linked insurance you mentioned is not guaranteed, and the yield of 15% may be higher than this figure. Of course, there is a risk of loss, and there is no guarantee. The cost of loss is simply to drop out or extend your premium input (if the plan is 65,438+00 years, you may have to pay for 20 years or for life, depending on the profitability). In addition, the Hong Kong Insurance Regulatory Commission stipulates that signing investment-related risks requires signing a risk confirmation statement, because in the past, many customers bought because they listened to other people's high-yield attractive advertisements, which led to many cases of huge losses. Therefore, there are more documents to be signed to sell this product than normal life insurance policies. I suggest that you don't buy it easily without knowing it. As for the third-party wealth management company, you should know the details of this company and tell you a lot truthfully. Really for your own good. The first thing to consider when buying insurance is protection. Therefore, in Hong Kong, our insurance agent mentioned in the pre-practice training that customers must be advised to buy risky investment-linked insurance after purchasing traditional life insurance. Investment-linked insurance is simply to put funds and stocks in insurance companies for sale, but the advantage of insurance companies over banks is that they have more insurance protection. If you really want to buy this kind of insurance, the biggest advice for you is to pay monthly or semi-monthly. If this third party advises you to pay annually, then I advise you not to buy it. Mainlanders, in particular, don't even know when they come to Hong Kong to buy insurance. I suggest you buy life insurance with fixed annual premium and fixed payment period. Be cautious about this kind of investment.