When a person purchases an investment insurance policy, part of the money goes to life insurance, and the second part is invested in profitable securities.
Unit-Linked products do not offer a 100% money back guarantee. If the aggressive investment fails, the client receives less than he has invested by the amount of the market loss. If the investment turned out to be profitable, this money would also be included in payments.
In the event of the insured’s death for any reason, the payments usually consist of 100% of the insurance coverage plus return on investment; in the event of an accidental death, the double payment is paid (some companies offer triple payments).
Photos are from open sources.
