It seems to be around 4% in the last month, so does the actual dividend mean that the premium invested in that year is multiplied by 4%? Is this figure a medium or low dividend level? Consulting users: Micro Sun (Beijing) experts answer: China Ping An Chengdu Life Insurance Company Zheng Jing 1. Generally, you can check the dividend interest rate on the websites of various insurance companies, or call the customer service numbers of various companies. (Our agent also inquired on the website) 2. The interest rates of universal insurance and dividend insurance are different, and the settlement interest rate of universal insurance is dividend according to the general understanding. Dividends are calculated according to the cash value on the policy, so they will be less than the premiums paid in the current year. 4. The settlement interest rate is different from year to year and cannot be fixed. 4% is basically the mid-range interest rate of major companies. Generally speaking, sales people know the trend of dividend interest rate over the years, and it is normal to remember the previous specific data. But it's not normal not to mention it. Beijing Zhong Yi Life Insurance Cui Liping's dividend insurance depends on what kind of insurance you buy. If it is insurance, such as sickness insurance, dividend is not premium x interest rate. He only pays dividends after excluding funds such as insurance premiums and costs. If it is annuity insurance, such as returning every few years, or endowment insurance, this kind of insurance will use more funds to pay dividends. In addition, dividends are unpredictable, and insurance companies can't give you a fixed interest rate, such as 4%. China Ping An Life Insurance Company of China Insurance Company Yan Qijun Universal Insurance has its own monthly settlement interest rate, and dividend insurance has its own dividend level every year.
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