The present paper examines the relationship between prevention as an investment strategy and the perceptions about unit-linked insurance on the intention to purchase interest rate guarantees for such products. We propose a framework in which the relationship between adopting prevention as an investment strategy, and the intention to purchase interest rate guarantees is moderated by the level of financial literacy of the individual and this interaction is mediated by the perceptions regarding unit-linked insurance. We find support for our conceptual model by testing it on a sample of 1017 financial decision makers in Germany using a moderated mediation analysis. The paper therefore offers insights into the decision-making process of financial consumers in Germany and presents practical implications for designing products for age-old provision.

中文翻译：

---

预防作为一种投资策略是否可以解释购买与单位挂钩的人寿保险的担保的意图？

本文研究了预防（作为一种投资策略）与有关单位连结保险对购买此类产品的利率担保意向的看法之间的关系。我们提出了一个框架，在该框架中，通过个人的金融知识水平来缓和采用预防作为投资策略与购买利率担保的意图之间的关系，并且这种相互作用是通过对单位关联保险的看法来调节的。通过使用调解分析对德国1017名金融决策者进行测试，我们为我们的概念模型提供了支持。因此，本文提供了对德国金融消费者决策过程的见解，并提出了设计具有悠久历史的产品的实际意义。