In short, investment-linked products is a life insurance policy where you can get protection and investment opportunity at the same time. Whenever you pay your insurance premium, it will be used to purchase the investment funds from the company. Then, the insurance companies will deduct monthly from your investment fund account a certain amount of "risk charges" that is used for buying your life protection, which is the chosen insurance coverage. In general, the policy values are directly linked to the investment performance of the funds.