The dividend of dividend insurance is to distribute 70% of the company's lowest profit in that year to all dividend insurance customers. If there is negative profit, the dividend is only 0, and there will be no negative distribution.
As for the question asked by the landlord, if there is an operating loss, the insurance company will not deduct money from the bound bank account, and the company will only draw the prescribed premium at a fixed time every year according to the regulations.
At present, the insurance losses in the market can be roughly divided into four situations. 1 model only pays attention to one-sided short-term interest rate, and the dividend insurance yield is not as good as the bank interest rate at that time, and the loss caused by insufficient surrender. The second type is additional hospitalization insurance and hospitalization day insurance, which increases the price once every certain age and rises slightly. The third is the deduction of the initial cost of universal insurance and the monthly guarantee cost, as well as the losses caused by factors such as excessive insurance coverage, low account value and aging of the insured. Fourth, investment-linked insurance has been neglected for a long time, and the fluctuation of account value is as high as that of stocks and funds, resulting in losses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.