指數連結型商品因其靈活性、流動性和透明度而備受青睞，在美國市場極受歡迎。而在亞洲市場，隨著接軌新資本要求及會計制度，業界就指數連結型商品的討論也愈來愈常見。

本文旨在探討在亞洲市場關注度持續升高的指數連結型商品，重點介紹固定指數年金（FIA）和指數型萬能壽險（IUL），同時提供這些商品的運作機制與見解，以及公司在計劃推出此類商品時需要考慮的關鍵因素。

Index-linked products are valued for their flexibility, liquidity, and transparency, and they are particularly popular in the United States. Across Asian markets, discussions on index linked products are becoming increasingly frequent as different markets adapt to the new capital requirements and accounting standards. In this e-alert, we introduce index-linked products by focusing on Fixed Indexed Annuities (FIA) and Indexed Universal Life Insurance (IUL), as well as further insights into the mechanisms of these products together with the key considerations for launching these products.

This e-alert is written in Chinese for the Taiwan market to complement a recent e-alert written in English on IUL in Hong Kong, which can be assessed here: Hong Kong: Indexed Universal Life and its key considerations.