I bought a Pacific Yingying C insurance (dividend-paying) three years ago.

Insurance is actually a guarantee for us. First of all, don't care about its dividend, it depends on the scope and amount of this insurance. You can think of it this way. If you take some money every year, can you save it on time even if you don't pay insurance? In fact, this is also a disguised form of compulsory savings. Secondly, everyone needs insurance, and each kind of insurance has its own unique advantages, some are pension, some are accident insurance, some are dividend insurance, universal insurance, critical illness insurance and preschool education insurance, and each kind of insurance has its own suitable population. So you should see that the reliability of the insurance you buy depends on its definition in your mind and its function.