Prepared by A-J | Author brand: 盡職生活｜阿J的普通人理財筆記
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-15 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
About the author/site · Vocus @WUCJ ↗ · Editorial policy
Page version: 2026-08-15 | Official or primary sources are preferred for material rules and figures. AI may assist structure, translation, and code, but is not used as the sole factual source.
How to read this: Investment-linked policies combine an insurance contract with investment risk. Review protection needs, charges, account value, and linked investments separately.
Market risk
Funds, bonds, and other linked assets can fall in price, reducing the policy account value.
Liquidity and credit risk
Some investments may be harder to sell quickly or may be exposed to deterioration in an issuer’s or borrower’s credit quality.
Foreign currency adds exchange-rate risk
Even if the linked asset rises, currency movements can increase or offset returns when the policy or investment is denominated in another currency.
Do not buy what you cannot explain
Current sales rules require suitability considerations and caution against excessively risky or complex products. Policyholders should also understand downside scenarios before buying.
Practical pre-purchase checklist
- Do I genuinely need the life or annuity protection provided by this contract?
- Can I explain all major charges and deductions in my own words?
- Can I tolerate the account loss and cash-flow stress in a downside scenario?
- What happens if I exit early, withdraw, or need to contribute additional money?
Primary / official sources
General insurance education and planning only. Not insurance solicitation, product recommendation, investment advice, underwriting, or claim determination.