Dividends

Why buy savings dividend insurance?

Savings dividend insurance provides more peace of mind and possibilities for your and your family’s future savings

Why buy savings dividend insurance? Savings dividend insurance is mainly used to meet future financial needs, but it can also be used to prepare for future marriage events, children’s education, home ownership, retirement and other financial needs.
The design principle of savings dividend insurance is protection+savings, which emerged to resist fluctuations in expected annualized interest rates. It ensures that the portion of insurance product operating results higher than the predetermined expected annualized interest rate is shared with policyholders. When the expected annualized interest rate of the bank is raised (interest rate hike), insurance companies may also obtain higher expected annualized returns through professional investment operations. As this expected annualized return is shared with policyholders, as the expected annualized interest rate of the bank increases, the expected annualized return of customers’ insurance will also increase in the future.

Savings dividend insurance can be deposited in one lump sum or over several years, with uncertain expected annualized returns (dividends are uncertain and depend on the operating conditions of the insurance company). Upon maturity, the principal and dividends can be received, and the lost portion of the principal can be withdrawn in advance. In the event of death within the term, the principal and some compensation can be refunded, and the protection will not be very high.

For example, insurance for certain types of educational programs. By setting clear goals, we can help you reserve funds for your child’s higher education. The plan has a shorter premium payment period, providing potential for fund growth, and you can also receive guaranteed cash when your child reaches undergraduate age. Starting today, we plan to achieve a bright future for our children.