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How is the bonus insurance participating? What are the dividend ways of dividend insurance

Now many policyholders will take the dividend insurance as an investment way to manage their finances, but there are still many people who are not very familiar with the dividend insurance. So, today's editor in chief will introduce to you the dividend mode of participating insurance that you are most concerned about, as well as the main characteristics of participating insurance. Let's get to know.

Characteristics of participating insurance

1、 To enable policy holders to enjoy the operating results. It is the insurance company that purchases the dividend type insurance. It will pay the dividend to the policy holder in a certain proportion according to the operation situation in each quarter or year, which is the main feature of the dividend type insurance.

2、 Another characteristic of participating insurance is that customers bear certain investment risks. Since the dividend must also bear certain risks, the policyholder still needs to consider the actual situation.

3、 In the whole insurance process, the actuarial assumption of pricing is more conservative, so that it can be better calculated. Therefore, although participating insurance has certain risks, it can also obtain certain benefits relatively, and the risk is not high, and it will not let the policyholder bear the risk of negative profits.

What are the dividend ways of type insurance

It is understood that there are two ways of dividend in the world at present:

The first is the current dividend, which is called cash value dividend, that is, premium dividend. After the insurance company obtains the premium of the policyholder, after deducting various costs and expenses, the rest of the money will be invested to obtain profits. Every year, the company will distribute 70% of the distributable surplus to the customer, and the dividend will directly enter the dividend account, which can be received in cash every year, or accumulated interest.

Second, the premium dividend is also invested with the premium of the customer. The dividend obtained is not directly entered into the dividend account, but increased by purchasing the corresponding insurance. In addition, dividends cannot be collected in cash, but can only be accumulated to generate interest, and can only be realized to customers when the final insurance policy expires or when death compensation occurs. In addition, some products have the corresponding cash value after the insurance amount is increased for dividends.

At present, the dividend type insurance in the insurance market mostly appears in the form of current dividend. For example, the education gold insurance for protecting future dividend launched by China Merchants Xinnuo belongs to cash value dividend. But still part of the insurance companies to launch the dividend insurance is in the form of premium dividend.

In fact, the two ways of dividend are almost the same. They are all to invest with the premium of the policyholder, but the way of dividend distribution they get is not the same. Cash dividend is much more flexible than premium dividend. Premium dividend is equal to that the insurance company has bought a life insurance with the dividend of the customer.

Whether 'cash dividend' or 'premium dividend' can bring more benefits to policyholders depends on the operation of insurance companies. Therefore, the insurance experts remind us that when purchasing participating insurance, we must clearly understand the strength background and operation of the insurance company.