Dividend insurance is mostly fraudulent insurance, so you must pay attention to it yourself. My mother was cheated. This kind of insurance has long basic insurance period, less annuity and less dividend. It is still very expensive to withdraw the principal in advance. It's better to deposit it regularly. Take my mother for example. She bought the "Happy Life" of China Life, saving 20,000 yuan every year, and it will take 5 years and 50 years to get it. The annual survival fund (equivalent to annual interest) is only a little more than 1000 (1000,000 is saved for five years, and 4700 is paid regularly). My mother has been paying dividends for three years, and she has already paid dividends twice, totaling more than 2 million yuan (although my mother's dividend is not enough for 65,438+million, she will pay more, but you can imagine how much more? ), 36 years ago, the principal was lost, and even if it was surrendered 20 years later, it could only get back 78,000 principal.