1. Investment margin: An investor pays an insurance company a premium (also called an investment margin), and the insurance company invests this premium in various financial instruments, such as stocks, bonds and money market instruments.
2. Dividend income: the income from investment deposits is distributed to the insured through dividends. The insurance company will determine the annual dividend ratio according to the investment income of the account and the return rate of the insurance company's own equity, and distribute it according to the account value of the insured.
3. Account value growth: According to the investment income and dividend income, the account value will increase with time. The insured can choose to reinvest the dividend income into the account to further increase the value of the account.
4. Expense deduction: The insurance company will deduct certain expenses from the account, including management expenses and sales expenses.
To sum up, the final total value of China Life's Steady Win C account is calculated based on investment deposit income, dividend income, reinvestment and expense deduction. The specific calculation method may be different due to the insurance company's policies and implementation methods. It is recommended that you consult insurance companies or related professionals to obtain accurate information.