Xiao Nuo answer:
Hello!
At present, the dividend calculation method adopted by most domestic insurance companies is:
1. Cash dividend is to distribute the surplus directly to the insured in the form of cash;
2. Incremental bonus refers to the distribution of bonus by increasing the insurance amount every year during the whole insurance period.
Under the distribution mode of cash dividends, there are many ways to receive dividends: cash, accumulated interest, premium payment and purchase of reduced insurance.
1, cash dividend method
By cash dividend, after the end of each year, the company will distribute the surplus according to the business surplus of the current quarter. The dividend of each policy will be distributed according to its contribution to the total surplus, and the dividend distribution will be different according to the insured products, the age of the insured and the insurance period. Under normal circumstances, insurance companies will not regard all the income generated by the annual dividend account as distributable income, but distribute it according to the company's operating conditions.
2. Incremental dividend method
Incremental dividend method pays dividends by increasing the existing amount of the policy, and the insured can only pay dividends when there is an accident or expiration. This distribution method must operate in a mature insurance market environment.
The above is the introduction of how to calculate the dividend of insurance companies, I hope it will help you.