Is the dividend standard demonstrated by the insurance company legal and effective?

This problem is too big. I can only tell you that Pacific Insurance does sell dividend insurance, and the contents written in black and white on the contract are also protected by law, but the contents introduced orally by the salesman will be questioned. For example, the introduction of dividends is just a demonstration, which has no legal effect and is for reference only. To put it bluntly, it means nothing.

You can send the specific name of the product (there is more than one dividend insurance in Pacific) and tell me how the salesman introduced it to you, so it is easier to analyze.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.