Life assurance investment products combine life cover with an investment element, with premiums used partly for insurance and partly towards investments chosen by the provider or policyholder. Their value can rise or fall, and charges, early-exit terms and the level of death benefit vary between policies; returns are not necessarily guaranteed. Tax treatment depends on the product and your circumstances, so check the policy documents and current Revenue guidance. Consider seeking advice from a regulated financial adviser before committing, particularly if you need access to your money or have dependants.