It depends on your contract. It says. Generally speaking, there are two ways to pay dividends in this kind of insurance. One way is to directly determine the amount and write it clearly in the contract. But this kind of dividend is actually very low, which is not much different from bank time deposits. 15 You can't double it. The other is based on the actual investment income, which is uncertain, but can barely double the industry average.

In fact, your mentality is wrong. The main purpose of buying insurance is to buy protection, and dividends are only an incidental function. If you want to use money to make money, you might as well buy a fund

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