Скачать или смотреть Unit link insurance is a life insurance product that is linked to investment

Unit link insurance is a life insurance product that is linked to investment. This product provides two benefits at once, namely protection benefits and investment benefits.
The benefits of unit link insurance protection are the same as the benefits of life insurance protection in general, namely:
• Death benefit
• Permanent disability benefits
• Critical illness benefits
• Additional insurance benefits (rider)
The benefits of unit link insurance investment come from the results of investments made by the insurance company with funds paid by the policy holder. These investment funds are placed in various investment instruments, such as mutual funds, shares or bonds.
How unit link insurance works. Policy holders pay unit link insurance premiums periodically. This premium consists of two components, namely insurance premiums and investment premiums.
Insurance premiums are used to cover insurance costs, such as death costs, permanent disability costs, and critical illness costs.
Investment premiums are used to purchase investment units in mutual funds or other investment instruments.
The value of this investment unit can increase or decrease depending on the performance of the investment instrument chosen. If the value of the investment unit increases, the value of the unit link insurance policy will also increase. Conversely, if the value of the investment unit decreases, the value of the unit link insurance policy will also decrease.
Unit link insurance has several advantages, including:
• Provides protection and investment in one policy
• Flexibility in choosing investment instruments
• Has various additional benefits
Unit link insurance risks
Unit link insurance also has several risks, including:
• Investment risk
• Risk of fluctuation in policy value
• Cost risk
Conclusion
Unit link insurance is an insurance product that offers protection and investment benefits in one policy. This product has some advantages, but also has some risks. Therefore, it is important to understand the benefits and risks of unit link insurance before buying it.
Here are some tips for choosing unit link insurance:
• Consider your needs. Do you need greater protection or a bigger investment?
• Compare various unit link insurance products. Pay attention to the coverage coverage, premium costs, and policy conditions.
• Read the policy carefully. Make sure you understand the coverage and policy terms before purchasing.

Be careful when buying insurance. Make sure you understand what you are buying.

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