Linked insurance is reliable. After all, the insurance contract has legal benefits, and the guarantee is written in black and white. Insurance companies will not default. The risk of investment-linked insurance is mainly that if there is a loss, the customer needs to bear it himself, which also requires the customer to have certain risk-taking ability.

If you have any insurance knowledge you want to know, you can read this article by Senior Sister:

Super full! Everything you want to know about insurance is here.

Then the following school sister will simply explain to you the types of investment-linked insurance, without much nonsense, and go directly to dry goods!

The so-called investment-linked insurance is investment-linked insurance, which belongs to financial management insurance.

Investment-linked insurance is a new product of whole life insurance, which integrates insurance and investment. The protection is mainly embodied in the accidental death of the insured during the insurance period, and the insurance company will pay the death protection. At the same time, users can also obtain other aspects of protection such as major diseases through investment-linked insurance. In terms of investment, insurance companies use the premiums paid by the insured to invest, thus obtaining income.

However, the protection of such products is relatively general. Although the financial performance is not bad, it takes a long time to see the benefits, which is somewhat similar to investment funds.

Moreover, investment-linked insurance is different from other financial insurance, and the risk is relatively large. You may earn a lot of money, or you may give up halfway. Therefore, whether you make money or lose money, you need to bear the consequences yourself. Insurance such as annuity insurance or increased whole life insurance has the function of capital preservation. Although the income is not certain, the principal will not disappear.

If you are considering whether to buy investment-linked insurance, you can read this article before making a decision:

There are so many types of insurance, which one should I buy first?

So what kind of people is investment-linked insurance suitable for?

First of all, we should consider the investment-linked insurance after solving the basic personal security problem, and follow the principle of "first security, then financial management". Secondly, it is best to take out part of the funds after the economic income reaches a certain stage, but not all the funds to buy investment-linked insurance.

At the end of the article, the senior will send you a small gift. Let's take a look:

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

Hope to adopt

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