Dividend insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of this kind of dividend insurance in the previous accounting to customers in a certain proportion in the form of cash dividend or value-added dividend after each accounting.
Under normal circumstances, an insurance company takes June 1 as the dividend start date every year, and all dividend policies whose policy anniversary date is between June 1 of that year and May 3 1 of the following year are calculated at the same dividend level. For policies whose effective date is around June 1, the scope of dividend application is different, and the dividend amount in that year may be different.
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Dividend insurance is not a simple investment product, and the dividend level cannot be used as the only criterion to measure the quality of a product.
July and August are the traditional policy dividend season, and customers who have insured dividend insurance products will receive dividend notices issued by insurance companies in these two months.
Many people often judge the dividend insurance they buy by the amount of dividends. If the dividend is too small, consumers will question their insurance products and even consider surrendering them. In this regard, the advice of insurance experts is that it is not appropriate to "entangle" the amount of policy dividends too much. For dividend insurance, the most important thing is to fully understand its protection function and choose the best dividend use.
An important part of the premium paid each time is the risk premium used to provide protection. Whether these guarantees are comprehensive and whether the insurance coverage is sufficient is the primary factor that consumers should pay attention to.
In July and August, consumers will receive the dividend notice corresponding to the purchased products one after another, and the time of receiving the notice will vary with different policy anniversaries. The relevant regulations of the China Insurance Regulatory Commission on dividend insurance clearly point out that the annual dividend ratio of dividend insurance products is not less than 70% of the current year's surplus.
A remarkable feature of Chinese consumers is that they pay special attention to insurance income and like to compare it with the income of bank savings or other investment and wealth management products.
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