Group 1: Investment-Linked Insurance - Investment-linked insurance combines protection and investment features, where part of the premium covers basic risks (such as death or total disability) and the other part is invested by the insurance company, allowing users to receive dividends or investment returns based on the company's profits [1] - Advantages include dual functionality of protection and investment, potential for premium refunds or cash value accumulation after a certain holding period, and higher flexibility in adjusting coverage or accessing cash value for financial planning [1] - It can help mitigate inflation expectations if investment returns perform well over the long term [1] Group 2: Disadvantages of Investment-Linked Insurance - Disadvantages include uncertain returns, lower coverage amounts compared to pure protection insurance for the same premium, high premium costs, poor liquidity, and complex terms that may lead to user misunderstandings [3] Group 3: Critical Aspects of Disease Insurance - Disease insurance focuses on providing financial protection against medical expenses, income loss, or rehabilitation costs due to illness, categorized into fixed benefit and reimbursement types [5] - It offers high coverage leverage for significant medical expenses, with clear payout mechanisms such as "payout upon diagnosis" for critical illness and reimbursement for actual medical expenses [6] - Premiums are generally stable, allowing for easier financial planning, and the terms are straightforward, making it easier for users to understand their coverage [7][8] Group 4: Comparison of Insurance Types - Investment-linked insurance focuses on both protection and investment, suitable for users with sufficient budgets seeking stable financial management, while disease insurance is purely for risk protection, ideal for those prioritizing disease risk transfer [9] - The cost of investment-linked insurance is typically higher, while disease insurance can be categorized as low to medium cost depending on the type [9] - The risk of investment returns is borne by the user in investment-linked insurance, whereas the insurance company assumes the risk in disease insurance, providing users with guaranteed coverage [9] Group 5: Recommendations for Insurance Selection - It is recommended to prioritize basic protection (such as critical illness and medical insurance) before considering investment-linked products for asset planning [9] - Users with limited budgets should opt for pure protection disease insurance first, while those with ample funds seeking long-term investment can cautiously consider investment-linked products, being aware of their investment limitations [9]