In recent years, interest sensitive insurance products have become mainstream products in the insurance market; product types at present include interest sensitive life insurance, interest sensitive annuity insurance, and universal insurance. The FSC reminds people that these types of products are still insurance products and insurance companies will collect additional charges for providing insurance protection and covering their insurance costs; the announced interest rates are also not guaranteed; therefore, people should not use the interest rate level as the only consideration when purchasing this kind of product; they should understand the product contents in detail before.