1. The insured amount is calculated according to the principal of the bancassurance product you deposited at that time. For example, if something happens, you will pay according to the insured amount.

2. Dividends are dividends, and interest is interest, which is not the same thing. Interest is a contract, and dividends are based on the company's benefits. The insurance company will send you a dividend notice every year, explaining how much money you took last year. The screenshot of your last contract shows that the interest you can get on the expiration date of your policy is 15600, which is interest.

The second part of this question has been answered. Dividends are distributed to customers according to the company's investment benefits and are floating. Give more if the benefits are good, and less if they are not.

Finally, your insurance coverage table is determined according to the customer's age, purchase time and product type. , related to insurance risk. This is a product secret, and the amount of insurance coverage for each age group is different. After all, some products have to pay the insurance premium according to the insured amount after the customer has an accident, and age is one of the main factors. You should pay more attention to major accident protection, and the influence of age on insurance protection is much smaller than that of sickness insurance.

I used to work in the insurance department. I wonder if I can help you.