1. Dividends are determined according to the future annual investment situation, which is unpredictable, so the dividends of all dividend insurance are uncertain, and the insurance company does not guarantee dividends.
2. According to the regulations of the CIRC, the promotion of the plan should be explained to customers according to the middle grade, not the high grade. In fact, due to the state's restrictions on the investment channels of insurance companies and the current economic situation, the investment income of insurance companies is very low, only less than 2% in the first half of this year.
Second, compensation for accidental death is 20,000 yuan, and accidental disability is paid according to the disability level. Total disability compensation is 20 thousand. Maximum compensation for accidental medical expenses 1 0,000.
Third, it has no effect on future claims. Income is the insurance company's rational use of premiums and insurance coverage. Too much premium will cause a burden, and too little premium can't buy the required amount of insurance, so the premium should be reasonable.