1, higher rate of return: higher rate of return and more investment options can be obtained by investing insurance expenses into insurance trust funds managed by third-party trust companies. Compared with traditional insurance financing methods, insurance trust can bring greater investment value to customers.

2. Better risk diversification ability: Insurance trust can achieve better risk diversification ability by investing funds in a variety of different types of assets, thus reducing risks and losses. Disadvantages:

3. High risk: Although the insurance trust can reduce the risk to a certain extent, there are certain investment risks because the investment and operation of funds are affected by the market and economic environment.

4. Unstable income: Due to the flexible investment mode and asset allocation of insurance trust, there may be unstable income or failure to meet expectations.