Not reliable, banks sell non-guaranteed insurance wealth management products. Non-principal insurance means that the principal is at risk. Even banks can't tell whether there is a risk of principal loss. The principal is lost, what about the income? Remember later! The so-called "insurance" is used to resist risks, not to manage money, and it is more difficult to make money with insurance. If you want to manage money to make money or resist currency depreciation, you can do funds and government bonds. So dividend insurance is to cheat customers' money in the name of insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.