Excuse me: What is the specific dividend of life insurance?

Let me answer the main question first. There are many different dividend insurance products under life insurance. If you want to know exactly how to pay dividends, you need to take the products actually insured as the standard. Under normal circumstances, dividend-paying insurance products mainly include cash collection and accumulated interest. The following senior will give you a brief analysis of the precautions for dividend insurance.

Before the analysis, Senior Sister arranged a study material for everyone. Interested friends can poke the following article:

Super complete! Everything you want to know about insurance is here.

1. Dividend insurance

Dividend insurance refers to an insurance that the insurance company distributes the distributable surplus of this kind of dividend insurance business in the previous fiscal year to the policy beneficiaries according to the proportion agreed in the contract after the end of each fiscal year; Among them, the main distribution methods are cash dividends and value-added dividends. Cash dividend refers to the direct distribution of surplus to policy beneficiaries in cash. Value-added bonus refers to the distribution of bonus by increasing the insurance amount every year during the whole insurance period.

Strictly speaking, dividend insurance is a wealth management insurance product. Financial management is risky, and investment needs to be cautious!

Seeing this, if you are interested in financial insurance such as dividend insurance, you must read the following article:

What's the difference between dividend insurance, universal insurance and increased whole life insurance financial insurance? Which is the most cost-effective?

2. Matters needing attention in participating in dividend insurance

I have a simple understanding of dividend insurance. Xue Jie will give you some advice for the small partners who have the investment demand of dividend insurance.

(1) You need to think carefully before investing, and don't surrender after insurance. We should know that if the dividend insurance is surrendered, the insurance company will only refund the cash value, especially after a period of hesitation, which will not only lose more money, but also lose more.

If you really want to surrender, you'd better surrender within the hesitation period, so that the insurance company will generally only deduct the work expenses, which will cause less losses to the insured.

(2) Dividend income is closely related to the operating conditions of dividend business of insurance companies, because dividend insurance takes out a part of distributable surplus from the dividend business of insurance companies and distributes it to customers in proportion, so high-quality insurance companies can bring more dividend income to policyholders.

At the end of the article, if you still have questions about dividend insurance, you must read the following:

Why is the complaint rate of dividend insurance so high? Unveil the mystery of dividend insurance

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