The higher the income of insurance, the higher the risk. Most of the wealth management insurance products on the market have relatively low risks. On the one hand, the income is relatively low. Most financial insurance needs to be held for a long time, and the flexibility of funds is limited. The insured needs to withdraw money urgently in the middle, which will lead to certain losses.
In addition, although financial insurance will have a policy contract that specifically stipulates the protection responsibility, financial insurance can not guarantee high returns to the insured, but more is to provide some guaranteed interest rates. In the case of low policy interest rate, it is difficult for the relevant funds to effectively resist inflation, which may lead to certain losses.