Facing the increasingly uncertain capital market, which of the new types of life insurance products with investment security functions - dividend, universal, or investment-linked - is suitable for you? In 2008, the capital market underwent drastic changes. Faced with an increasingly uncertain capital market, investors no longer rushed to the stock market but instead turned their attention to the new types of life insurance products that combine investment and security functions. However, among dividend, universal, and investment-linked options, which one is right for you?