The correct answer is D. All of the above.
Non-traditional products are designed to offer investors a higher level of flexibility and potential returns than traditional products. They can also offer a direct linkage with investment gains, which can help investors to keep up with inflation. Additionally, non-traditional products often have higher surrender values than traditional products, which can provide investors with a greater degree of financial security.
Here is a brief explanation of each option:
- Inflation beating returns: Non-traditional products can offer investors the potential to earn higher returns than traditional products, which can help them to keep up with inflation.
- Direct linkage with investment gains: Non-traditional products can be linked directly to the performance of underlying investments, which can give investors the potential to earn higher returns.
- Flexibility: Non-traditional products can offer investors more flexibility than traditional products, such as the ability to withdraw funds early or to change the terms of the investment.
- Higher surrender value: Non-traditional products often have higher surrender values than traditional products, which can provide investors with a greater degree of financial security.
It is important to note that non-traditional products also come with a higher level of risk than traditional products. Investors should carefully consider their investment objectives and risk tolerance before investing in non-traditional products.