happy new year! 1. The function of insurance itself is protection. If you pay more than 8, yuan a year, you can get 2, yuan. This is just an interest calculus, which is easy to understand. It is hard to say whether it is more or less. 2. Because the insurance company is also a business investment, the dividend is uncertain. 7% of the annual profit is distributed to customers as annual dividend, and some companies have 3% reinvested. When the contract is terminated, the final dividend will be paid in one lump sum. So it may be high or low. Now the estimate is uncertain.