What is dividend insurance? What are its characteristics?

Dividend insurance refers to a wealth management insurance product that an insurance company distributes the distributable surplus of this kind of dividend insurance in the previous fiscal year to customers in the form of cash dividend or value-added dividend according to a certain proportion after the end of each fiscal year. It is a wealth management product that can preserve and increase the value of family assets for a long time. Its characteristics are high premium, uncertain dividend and weak guarantee function.

If you still want to know about insurance, you can learn about it through this article:

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Then the senior will introduce you to dividend insurance, without much nonsense, and go directly to dry goods!

1. The insurance premium is very expensive.

Because dividend insurance belongs to wealth management insurance, it will be much more expensive than ordinary guaranteed insurance premium. Moreover, dividend insurance generally requires long-term investment to see considerable benefits, and short-term benefits are not obvious.

2. Dividends are not guaranteed

Dividend insurance is paid according to the distributable surplus, but this distributable surplus refers to the overall profit of the company, and the products you invest in may not be profitable. The dividend we can get in the end is really unknown! Only when the insurance company issues a dividend notice every year can we know how much dividend we get.

If you want to know more about dividend insurance, you can't miss this article by Senior Sister:

Dividend insurance that the salesperson won't tell you.

3. Weak safeguard function

In order to make their products more competitive, most participating companies in the market will attach health protection, but often the additional health protection is more general. Compared with pure insurance, the coverage is not a little bit worse.

However, you need not be discouraged. There are many financial insurance on the market that can make you earn high returns, just like these:

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