According to the insurance law, the dividend comes from the distributable surplus of the insurance company every year, which is usually called "three-difference dividend": dead difference profit, spread profit and fee difference profit. An insurance company should use at least 70% of its annual distributable surplus for dividends, but the specific amount depends on the operating performance of the insurance company. If the business is not good, it is completely normal to have little or no dividends. The annual dividend situation will be mailed to customers in the form of dividend report, and you can only find it if you want to check it.

In addition, the basis of dividends is not all premiums, but all principal and interest of savings premiums, which is the so-called cash value. The premium paid must first be divided into pure premium and additional premium. The most typical additional premium is the commission of the salesman. Everyone knows that wool comes from sheep. Then pure premium is divided into savings premium and risk premium, the latter is also called death premium. Only savings premiums can be used for investment and gain income, so you see that the proportion of dividends to all premiums is really low.

Furthermore, I guess when the salesman introduced this insurance to you, he focused on the income, and the promised figure was quite attractive, otherwise you wouldn't buy it. In fact, the essence of insurance is protection, and investment and financial management are only incidental functions. Moreover, according to the insurance law, the dividend itself is uncertain, and the salesman's introduction to the dividend is a demonstration rather than a promise, which has no legal effect. So I guess you must have been fooled by the salesman more or less. The insurance industry in China is mixed, and it is not uncommon to exaggerate the insurance interests.