Understanding the distinct nature of life investment products

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<title>Understanding the distinct nature of life investment products</title>
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<dateIssued>2025</dateIssued>
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<abstract displayLabel="Summary">Life investment products, or Insurance-Based Investment Products (IBIPs), differ fundamentally from MiFID-governed products because they combine investment with protection features such as biometric risk cover, financial guarantees, and risk-mitigation techniques. While they may appear complex, this sophistication benefits consumers by offering stability, long-term planning, and safeguards against market volatility, unlike simpler products like ETFs that lack protection. IBIPs provide flexibility through multi-option structures, tailored insurance covers, and regulated transparency under EU rules, ensuring clear cost disclosures and risk indicators. They serve as holistic solutions for diverse consumer profiles, balancing risk and return while simplifying financial management, ultimately empowering consumers to achieve security and growth without needing deep technical knowledge</abstract>
<tableOfContents displayLabel="Contents">IBIPs: where investment meets protection -- Empowering consumers through choice -- Beyond returns: the broader value of IBIPs -- Matching risks and returns to consumer needs</tableOfContents>
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<topic>Seguro de vida</topic>
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<topic>Productos financieros</topic>
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<topic>Mitigación de riesgos</topic>
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<topic>Inversiones</topic>
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<geographic>Unión Europea</geographic>
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<url displayLabel="electronic resource" usage="primary display">https://www.insuranceeurope.eu/news/3438/new-paper-on-the-distinct-nature-of-life-investment-products</url>
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