The investment products in insurance, especially those dividend-paying products, are very different from funds. The biggest difference is the complexity of structure. First of all, for the first few years, you have to pay a certain amount of money every year. Then, in the next dozen or twenty years, you will receive a certain amount of return every year, plus potential dividends. Sometimes you need to pay money, and sometimes you need to collect money. In some years, you even need to both pay and collect money, which confuses the buyers. They may have a general idea of how much money they have paid and received, but they definitely cannot figure out what the investment price-earnings ratio is.