Protection is insurance. Market risk is investing. Understand each separately.
10 guides covering investment-linked life and annuity policies, fees, account value, insurance costs, distributions, managed accounts, complex investments, leverage, and 2026 sales rules.
Four things to separate
From policy structure to risk and sales rules
No insurer rankings and no product recommendations.
Investment-Linked Insurance Basics: Separate Protection, Charges, and Investments
Separate protection, policy charges, and investment performance to build a basic framework for reading investment-linked policies.
Read more →Investment-Linked Life vs Annuity Insurance: Start with the Protection Goal
Investment-linked products can be life insurance or annuity insurance. Clarify whether the goal is death protection or future annuity income before focusing on investments.
Read more →Investment-Linked Policy Fees: Separate Insurance, Administration, and Investment Costs
Investment-linked policies can have multiple layers of costs. Separate insurance charges, administrative fees, and underlying investment expenses before comparing products.
Read more →Policy Account Value Is Not a Deposit Balance: Markets and Charges Matter
An investment-linked policy account value can change with investment performance and policy charges. It is not the same as cumulative premiums paid.
Read more →Investment-Linked Life Insurance Costs Can Rise with Age
Insurance regulators warn that life-protection costs can rise with age, and insufficient account value may require additional premiums to maintain coverage.
Read more →Investment-Linked Distributions May Come from Principal
Some linked investments can distribute cash from principal. Receiving a distribution does not automatically mean the policy generated a positive total return.
Read more →Are Discretionary-Managed Investment-Linked Policies Safer?
Professional asset management does not guarantee returns. Investment risk in managed investment-linked policies is still borne by the policyholder.
Read more →Investment-Linked Underlying Risks: Market, Liquidity, Credit, and Currency
Linked investments can carry market, liquidity, credit, and currency risks. Complex products require an appropriate level of knowledge and risk capacity.
Read more →Borrowing or Surrendering an Old Policy to Buy an Investment-Linked Policy
Using loans, policy loans, or surrender proceeds to fund an investment-linked policy can layer investment risk, interest costs, and lost insurance protection.
Read more →2026 Taiwan Investment-Linked Insurance Sales Rules: Suitability and Risk Capacity
Taiwan revised its investment-linked insurance sales guidance in April 2026. Suitability and risk capacity are useful frameworks for consumers reviewing complex products.
Read more →Funds Inside Investment-Linked Insurance: Policy Costs, Fund Costs and Switching Risks
How to evaluate mutual funds and other investment options inside an investment-linked insurance policy: separate policy charges from fund-level expenses, account value, switching rules, distributions and market risk.
Read more →Do not ask only about distributions. Ask what is insured, what is charged, and what can go wrong.
Investment-linked insurance is neither a plain fund nor a deposit substitute. Investment risk may be borne by the policyholder, and some distributions may come from principal.
