It is normal for wealth management products to lose money. As long as it is not a product that guarantees income, it may lose money. This is true of funds and stocks, as well as insurance wealth management products. So there is no problem of not being able to pay back the money. In short, it will act according to the insurance contract. Even if the life insurance company goes bankrupt, your insurance contract will continue to be executed by other insurance companies, so you don't have to worry. As for the investment income, it may be affected by the financial crisis, but your money will still be given to you! It must be a rumor that you can't pay back the money. Never mind!