Please note that you bought dividend insurance, which is not only the bank's death protection, but also the protection of natural death and accidental death. The amount of compensation is subject to the basic insurance amount, that is, you pay 50 thousand yuan in one lump sum.

In my work experience, your problem and income are not much different from those of banks, because dividends are like the interest that banks give us on time deposits, but dividends depend on the market and the operating conditions of insurance companies, whether it is high or low.

The second question and the first question can be considered as a question of income together. You can find an insurance company or a business person who can help you plan your final income. There will still be high, medium and low demonstrations of dividends, so I won't tell you. I'm sorry

Third. Are there any better financial products with short term and good returns?

No, five years is short enough. Funds can get funds from stock copying quickly, but the risk is greater. Financial management must first ensure the safety of your principal, and then talk about income and security.

Insurance companies now offer many medium-and long-term wealth management products, so you can choose them appropriately. The longer the time, the higher the income, such as ten or twenty years or life, so that you can design some future financial needs, such as the money for your children to go to school in the future or the money for your own pension in the future. It is much more suitable than a single deposit in the bank. I suggest you think about it,

I hope I can help you.