There are several accounts such as guaranteed income account, development account and fund account. The investment risk of each account is naturally different because of its different investment portfolio and different rate of return. The scope and degree of investment-linked insurance protection vary with specific products. Some types of insurance not only provide insurance benefits such as accident and illness death insurance and total disability insurance, but also provide other services, such as ensuring insurable options and exempting insurance premiums.
Insurable option means that after the policy comes into effect, the insured can add one or more insurances within the permitted scope according to actual needs without medical examination; The meaning of exemption from insurance premium means that during the insurance period, if the insured loses the ability to work due to illness or accidental injury, he will enjoy the treatment of exemption from insurance premium, and all the protection contents will not be affected.