Common insurance financial products include life insurance, health insurance, auto insurance, accident insurance and family liability insurance. Holders of these products can allocate funds flexibly according to their own needs and goals to achieve the best financial management effect. Compared with a single product, the diversity of insurance financial products is higher, which can effectively spread risks and reduce the transaction costs of investors. Investors can choose their own insurance wealth management product portfolio according to their risk tolerance and wealth management needs.
Insurance financial products play an important role in the financial market. It can not only help individuals and enterprises to manage risks and improve their risk tolerance, but also promote the development and stability of the national economy and enhance the liquidity and stability of the financial market. Therefore, insurance companies should strengthen financial innovation, constantly introduce new insurance financial products, and realize their own sustainable development while protecting investors. At the same time, investors also need to know the investment structure, scope of protection, risk and return of products, choose products suitable for them, and plan investment methods reasonably in order to achieve the best financial management effect.