The loss of principal, of course. Banks sell non-guaranteed insurance wealth management products. Non-principal insurance means that the principal is at risk. Even banks can't tell whether there is a risk of loss. Remember later! The so-called "insurance" is used to resist risks, not to manage money, and it is more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. So dividend insurance is to cheat customers' money in the name of insurance.