Dividend insurance dividend distribution methods have these kinds of distribution methods.

As a kind of income insurance, dividend insurance is very popular in recent years. However, many people don't know much about the dividend method of dividend insurance. Then Bian Xiao will tell you how the dividend of the dividend insurance is distributed.

Dividend distribution mode of dividend insurance

1. cash dividend: the insurance company will return the dividend to the insured in cash.

2. Dividend reinsurance: Insurance companies will use dividends to buy more insurance and increase the policy value.

3. Dividend accumulation: Insurance companies accumulate dividends into the value of the policy to increase the value of the policy.

4. Bonus offset premium: The insurance company will offset the premium of the policy with bonus to reduce the burden of the insured.

5. Dividend transfer: Insurance companies allow policyholders to transfer dividends to others in order to obtain certain income.

Where does the dividend of dividend insurance come from?

The dividend insurance that everyone buys is not an annual 100% dividend. It depends on the operation of the insurance company.

Specifically, it is related to the death, profit and expense differences in the annual operation of insurance companies.

The better the insurance company is run, the more distributable surplus and dividend will be brought by the three big differences. Of course, in a bad year, dividends may not be available.

Therefore, dividend insurance is different from traditional time deposits, and there is no way to bring definite income to the insured. For the insured, we should be prepared for the sharp fluctuation of dividends.

The above are the main dividend distribution methods of dividend insurance, but it should be noted that different insurance companies may have different dividend distribution methods, and everyone should consider their risk tolerance when choosing.