Calculation method of dividend insurance dividend

How to calculate the accumulated bonus insurance amount and the ending bonus? This is a very complicated calculation method.

1。 Basic insurance coverage of relevant guarantees. This is based on the company's market research. Assessment of various sudden social risks. It is kept by the registered actuary of the insurance company. Report to the China Insurance Regulatory Commission. Approved by China Insurance Regulatory Commission. Sell to customers. You just need to pay attention to the amount of basic insurance. Insurance companies are obliged to undertake and compensate within the scope of contractual liability.

2。 Accumulated dividend insurance amount. According to the dividend distribution method of various dividend insurance products. Different products have different cumulative calculation methods. This calculation method. When introducing products to customers, marketers will explain them to customers according to the dividend distribution method of products. The text of the insurance liability clauses of related products will also be displayed.

The final bonus is after your insurance contract expires. In addition to the normal annual dividend, insurance companies also pay high bonuses to customers. This part of the dividend income is like this: the profit generated by the company's rational investment and utilization after absorbing the customer's funds. 70% of this 70% will be distributed to customers as annual cumulative bonus. The remaining 30% profit is retained, and 70% of this 30% will be distributed to customers as the final bonus when their insurance contracts expire.

4. Survival funds. Survival money is divided into fixed-term survival money and fixed-term survival money. Maturity survival fund refers to a considerable amount that customers can receive after the expiration of the contract according to the fixed terms of the contract or according to the actual income. Regular survival fund. According to the payment forms of different types of insurance, the survival fund is paid on schedule and in installments every year. Survival money is paid as a living allowance. Gu means survival money.

It is currently on the market. The products of Xinhua Life Insurance Company are very popular in the insurance industry because of its unique British bonus. (I am also the authoritative explanation of the excerpt, for reference only)

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