If the insurance products purchased are insured dividends, dividends cannot be collected casually. Because the amount of dividends will be distributed by increasing the insured amount, the insurance company will only pay the compound interest accumulated for many years to customers when it expires or an insurance accident occurs. At the same time, when the policy is terminated or reduced, there will be a final dividend distribution.
If the insurance products purchased are cash dividends, the dividends can be collected at any time. Of course, you can also choose the way to accumulate interest.
The general insurance dividend is an insurance account by default and can be collected through the insurance company's APP. Of course, you can take your ID card, insurance policy and other materials and go directly to the insurance company to get it.
However, it should be noted that insurance dividends can only be collected by the insured, and neither the insured nor the beneficiary can receive them.
During the period from the effective date of the contract to the effective date of the 70-year-old policy, the insured shall live on the effective date of the policy once every two years, and the Company shall pay compensation according to 10% of the sum of the basic insurance amount and the accumulated dividend insurance amount on the effective date of the policy.
Extended data:
The advantages of capital preservation and dividends are mainly reflected in the following four aspects:
① Dividends come from a wide range of sources.
Xinhua Life adopts the capital preservation and dividend mechanism, and the dividends of its dividend products come from all the profits that the company may obtain from operating dividend products. The sources of dividends include spreads, dead spreads, fees and other possible surpluses.
2 dividends are more thorough.
British guaranteed dividend can participate in all possible sources of profits of insurance companies, so that customers can enjoy the operating results of insurance companies to the maximum extent, which embodies the principle of fairness and customer interests first.
③ The dividend level is stable.
Capital-guaranteed products usually adopt the double dividend design of "annual dividend" and "final dividend". Under normal circumstances, insurance companies keep the "annual dividend" relatively stable to meet customers' relatively reasonable expectations. When the insurance contract is terminated, the last bonus will be distributed to the customer to make up for the apology and smooth return.
(4) More adequate protection.
Dividend-paying products are distributed on the basis of the insured amount, and the dividend and compound interest increase every year. Customers can see the continuous growth of the insured amount, and they can receive it in one lump sum once the claim is settled or the policy expires.
Baidu Encyclopedia-Xinhua Life Insurance