As a new type of investment insurance product, investment-linked insurance has the following characteristics compared with traditional insurance products ( ).

As a new type of investment insurance product, investment-linked insurance has the following features compared with traditional insurance products: (1) Separate investment account. Investment-linked insurance requires a separate investment account, which is completely independent of the insurance company's other investment accounts. (2) Various insurance liabilities. As an insurance product, the insurance liability of investment-linked insurance is similar to that of traditional products, which not only includes basic insurance liabilities such as death, disability payment, survival insurance, etc., but also includes premium waiver, incapacity insurance benefit, major diseases and other insurance liabilities in some products. The Insurance Supervisory and Administration Bureau of the State Council stipulates that investment-linked insurance products must contain one or more insurance responsibilities. (3) Flexible payment. The payment mechanism of investment-linked insurance has a certain degree of flexibility. Some investment-linked insurance products add premium holidays on top of the fixed premium payment, allowing policyholders to pay premiums without having to pay on the agreed date. Some other investment-linked insurance policies even abolish the requirement of premium payment period, frequency and amount, so that the policyholder can pay premiums above the minimum limit at any time. (4) Transparent fee collection. Compared with traditional non-participating insurance and participating insurance, investment-linked insurance is quite transparent in terms of fee charging. The insurance company sets out in detail the nature and use of deductible expenses and provides multiple channels for customers to inquire.