Financial insurance refers to an insurance product that integrates protection and investment. It belongs to life insurance, mainly including dividend insurance, investment-linked insurance and universal insurance. The policyholder/insured can manage money through insurance, which can not only prevent or even avoid economic losses caused by diseases or accidents to a certain extent, but also maintain and increase the value of assets.

Financial insurance mainly has the characteristics of safety, long-term, certainty and financing. It also has the characteristics that the income is proportional to the risk.