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.
Suitability matters in the sales process
Investment-linked insurance sales should consider customer suitability and avoid products that are excessively risky or complex for the customer.
Complex products require deeper risk-capacity assessment
Rules for certain structured-linked products consider factors such as age, product knowledge, investment experience, financial condition, transaction purpose, and understanding.
Suitability is not a guarantee against loss
Passing a suitability assessment does not mean the policy is principal-protected or guaranteed to earn a return.
Consumers can use the same questions
Before signing, ask: How much loss can I tolerate? Do I understand the fees? Do I genuinely need the insurance protection? What happens if I need to exit early?
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.