Recently, the wealth management market is very hot, and the wealth management products such as fund management, insurance and wealth management, and online wealth management are dazzling. Today, let's take a look at the types of insurance wealth management products and their respective characteristics. Speaking of insurance wealth management products, many people may not know much about it. Many people's understanding of insurance still hangs on the traditional protection functions such as personal safety. In fact, the current insurance wealth management products have integrated insurance and financial management functions, while providing traditional support functions for investors. Considerable investment income has become an important choice for many people to invest and manage their finances. At present, the main insurance wealth management products on the market include investment-linked insurance, universal savings life insurance products and dividend insurance. Next, we will introduce the characteristics of these three types of insurance wealth management products. 1. Investment-linked insurance: insurance and wealth management products with investment and security functions. Investment-linked insurance is a new type of wealth management product that combines insurance and fund concepts, referred to as investment-linked insurance. Different from the traditional guarantee function of traditional insurance products, the investment-linked insurance has increased the investment function and the investment function is outstanding. The traditional guarantee function is that when the accidental death occurs during the insurance period, the death benefit can be obtained. In combination with the additional insurance, the insured can obtain other treatments such as treatment funds for major diseases. The main expenses of investment and investment insurance include initial premium, risk insurance premium, account conversion fee, investment unit bid-ask spread, asset management fee, partial withdrawal and surrender fee, etc. The amount of different product fees is also different. Because of its characteristics of protection and investment coexistence, investment-linked insurance products have the characteristics of obvious income gap, no minimum guaranteed interest rate, and the greatest risk. 2. Universal savings life insurance products: insurance-oriented wealth management products. The universal savings life insurance product is a kind of life insurance, which means that the insured can pay any amount of insurance premiums and adjust the life insurance premium ratio, which is referred to as universal insurance. Universal insurance has been extended from traditional life insurance, and its guarantee function is very prominent. In this respect, it is stronger than investment insurance. In terms of investment, the performance of universal insurance is relatively weak, and its investment income is closely related to the bank deposit interest rate and insurance time. The monthly compound interest is used to calculate the income, so the longer the insurance coverage, the higher the return. Therefore, universal insurance is more like a long-term savings-type wealth management product, with a minimum guaranteed interest rate and low investment risk. 3. Dividend insurance: The most investment-based insurance products. Dividend insurance is a type of life insurance in which an insurance company allocates the distributable surplus of the insurance to a customer in a specific proportion in the previous fiscal year. The concept of dividends comes from stocks. The dividends are divided into fixed income, maturity income, guaranteed dividends and floating dividends. Generally speaking, the income from fixed income, maturity income, and guaranteed dividends is fixed, which is slightly higher than the one-year bank interest rate, while the dividend-paying type of dividend insurance has no minimum guaranteed interest rate, so the investment risk is relative to the other three items. Slightly higher. Because the dividend insurance and the investment market are relatively low, the investment risk of such insurance wealth management products is the lowest. I believe that after reading this article, everyone has a clear understanding of the classification of insurance financing and their respective characteristics. More detailed content can be deeply understood on the sales platform of various insurance financial management.