Dongfanghong Champion Red Annuity Insurance is a dividend-paying insurance. When the policy comes into effect, you can receive a blessing of 20% of the insured amount every year. After the policy comes into effect, you can receive the children's education fund every year at the age of 18, also according to the 20% insured amount. When the insured is 18, 19, 20, 2 1 year old, he can receive 50% of the amount of college education insurance every year. If the insured is still alive at the age of 60, the premium paid can be returned as a birthday bonus. In addition, the underwriting company of Dongfanghong Zhuangyuanhong Annuity Insurance is Pacific Insurance, and it can also be matched with a universal account to transfer the insurance money into the account to enjoy compound interest.

Dividend insurance refers to the life insurance products that the insurance company distributes the actual operating results to the insured according to a certain proportion. The distribution methods include American dividend and British dividend. The insured of this product can share the operating results of the insurance company and have the right to receive the annual dividend distribution. Its insurance cost is relatively high, with certain interest guarantee, but the dividend is not fixed.

The origin of dividend insurance: the risk that dividend insurance originates from the change of the fixed interest rate and market yield of the policy will be shared by the insured and the insurance company for a long time to come. Main features: 1. The insured enjoys the operating results. 2. Customers bear certain investment risks. 3. The actuarial assumption of pricing is conservative. 4. The insurance premium is paid, and the surrender premium includes dividends.

Distribution mode: The dividend of dividend insurance comes from the "three-difference income" of life insurance companies, that is, death difference, profit difference and expense difference. Dividend distribution methods mainly include cash dividend method and incremental dividend method. The two methods of surplus distribution represent different distribution policies and dividend-paying concepts, which reflect different transparency and fairness, and have different effects on the policy asset share, debt reserve and cash flow of life insurance companies. Therefore, in order to safeguard the interests of the insured, life insurance companies should be very cautious about the formulation and change of dividend distribution methods. We should not only pay attention to the reasonable expectations of the insured, but also implement the fair principles of honest management and dividend distribution, and fully consider the impact of dividend distribution on the company's future dividend level, investment strategy and solvency.