1. Confirm the dividend: On the dividend day every year, the insurance company will send a dividend notice to the insured, informing them of the specific amount of the dividend and how to collect it. You can log in to the insurance company official website, APP or telephone to check and confirm the dividend information.
2. Choose the method of receiving: Generally speaking, dividend insurance has the following ways to receive dividends:
A. Cash withdrawal: directly transfer the dividend amount to the bank account designated by the insured. For specific operations, please contact the customer service of the insurance company.
B. Accumulated interest: Leave the dividends in the insurance company, accumulate compound interest at a certain interest rate, and receive them in one lump sum at some future time.
C. Payment of premium: Dividends will be used to deduct the next premium, thus reducing the payment pressure of the insured.
D. Purchase paid premium insurance: purchase paid premium insurance with dividends, thereby increasing the insurance coverage of the policy.
3. Handling collection procedures: According to the selected collection method, the insured needs to prepare relevant materials, such as identity certificate and bank card information, according to the requirements of the insurance company, and handle the corresponding collection procedures. The specific operation can be handled by contacting the customer service of the insurance company.
It should be noted that the dividend of dividend insurance is uncertain and depends on the operating performance and investment income of the insurance company. Therefore, when purchasing dividend insurance, we should fully understand the dividend policy and historical dividend situation of the product and reasonably expect dividend income. At the same time, when receiving dividends, we should choose the appropriate way to receive them in combination with our own financial situation and financial management needs.