Compared with traditional products, investment-linked insurance products have more insurance liabilities.

The role of investment-linked insurance

Investment-linked insurance not only gives people life protection like traditional life insurance, but also allows customers to directly participate in the investment activities managed by insurance companies, linking the value of the policy with the investment performance of insurance companies. Most of the money is used to buy investment account units set up by insurance companies. Investment experts are responsible for the transfer of funds in the accounts and investment decisions, and invest investors' funds in various investment instruments.

Basic insurance liability of investment-linked insurance

As an insurance product, investment-linked insurance is similar to traditional insurance, including basic insurance liabilities such as death, disability payment and survival insurance. Some products also include exemption insurance premium, disability insurance premium and critical illness insurance liability. For example, the basic insurance liabilities of China Merchants Cigna's financial management investment link include: disability death insurance, accidental death insurance, etc. The basic insurance liabilities of Fruitful Year Investment Link include: traffic accident death insurance, other accidental death insurance and accidental death insurance.