The main source of dividends is the surplus of insurance companies, and the basis of surplus is dead difference+fee difference+spread.

The difference between death and death of each company is the same (this is calculated according to the same life table), and the difference between handling fees and charges is similar (because the competition is so fierce now, every company is pushing down the price), and the rest is the price difference. This difference is big, depending on the company's investment ability.

It should be noted that the annual dividend is different. Being high this year does not mean that it will be high next year. Dividends should be determined according to the strength and development speed of the corresponding insurance companies.

Interest is essentially a part of profit and a special form of profit transformation. Dividends and interest are similar to some extent, but there are also differences.