Investment income includes insurance funds, insurance wealth management products, annuity insurance products, dividend insurance and other products with high savings components. At present, there is no need to levy taxes in mainland China. Because article 4 of China's Individual Income Tax Law stipulates that insurance compensation is exempt from individual income tax, that is to say, insurance compensation is not taxed. Annuity insurance is a kind of life insurance, the purpose of which is that the insured can get a certain income when he is old or loses his labor force. Reminder: Annuity insurance is not only tax-free, but also has the function of avoiding debts.

Dividend insurance: Every year, the insurance company will distribute 70% of the distributable surplus to the insured customers. If the insurer confirms that there is a dividend, it will send a dividend statement to customers who have been in effect for one year every year. The calculation method is calculated by the actuary of the insurance company. Most people only know that the more premiums they pay, the more dividends they get. Dividends come from three differences: death difference, expense difference and spread difference. The British bonus is a total difference bonus. In addition to the distributable surplus of 70%, the insurance company will distribute it to the insured customers every year, and the undistributed part will be distributed to the customers in the form of final dividend at the end of the contract.

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