Category: Insurance tips Release Date: 2006-08-01
By Paul and the surrender will not lose bonus?
A: You have allocated an annual dividend to be assured, and in reducing security and will not surrender losses. Moreover, Xinhua insurance products by insurance, and surrender dividends when the dividend will be ended if the accounts are allocated accordingly.
Xinhua insurance products, bonus dividends come from where?
A: Most dividend dividend from a product difference (spread), two poor (spreads, dead poor), 3 poor (spreads, death bad, fees deviation) and multi-differential (all surplus). Xinhua Insurance Products dividend dividend dividend from operating all of the product may get a surplus, including the poor and the other three possible surplus.
Xinhua Insurance Products But why would poor dividend dividends?
A: First of all, fairness. Fair treatment of customers, reflects the interests of shareholders and customers the same principle. Difference in fees and other earnings, for example, they are very important dividends in the long-term business products Liyuan, it should be shared by the shareholders and customers. Secondly, adequate source of help to establish a bonus dividend, Xinhua Insurance products brand.
There will be bonus dividends products do?
A: Not necessarily, in particular, can not guarantee that dividends every year. But the clients involved in insurance after the dividend distribution of rights.
Xinhua insurance products in the end there is no guarantee that dividend policy interests?
A: Yes. The basic sum assured and annual dividend distribution, was the insured amount of the annual dividend is composed of an effective sum insured that is, dividend policies of the guaranteed benefits.
In order to increase the insured amount for a dividend distribution of the main strengths?
A: Effective lower management costs; automatically increase insurance coverage; a favorable return on investment to expand.
To "Jiqing surplus" for example, since 2001 the annual dividend rate will not fall below 1.6%?
A: It's possible. 1.6% annual dividend rate is only 2001, after the dividend rate may be higher or lower than this value, however, because insurance companies, Xinhua added bonus products to Feng apologized, smooth return characteristics, usually an annual dividend rate would be relatively stable .
The end of a dividend every year know what? How do I know?
A: Yes, at least annually to determine the rate of one end of dividends. Customers through dividends performance reports, telephone service centers and informed way of special notice.
When will it be possible to end dividend get?
A: Due to insurance liability accident occurred, the policy expires, surrender occurred exclusion of liability issues Ershi policy is terminated, the customer may get the end of a dividend, reducing the insurance may be obtained when the corresponding part of the end of a dividend.
What is the unallocated surplus, "smooth function"?
A: The operating conditions left some more good times, a time of deteriorating business conditions from the previous section reserved to extract some, try to keep the annual dividend steady, rise and fall.
What is the surplus can be allocated? What is the unallocated surplus?
A: The dividend distribution plan was finalized, distributed to customers and shareholders is the sum of the annual dividend distribution of surplus may be an overall surplus of net earnings available for distribution is part of the unallocated surplus.
Surpluses can be allocated and unallocated surplus is determined by how?
A: Because distributable earnings and undistributed earnings ratio between the dividend distribution will affect the overall product revenue can reasonably determine the relative proportions to ensure that the annual dividend distribution of ups and downs, which will help to achieve higher long-term interests, and effectively control risk. Can be allocated earnings and undistributed earnings, and there is no fixed ratio between the relationship is primarily based on the market to determine the future and integrating a wide range of business products to consider dividend factors.
Investment rate of return and annual dividend What is the relationship between the rate?
A: In insurance dividends, the investment rate of return is to determine the dividend rate of important factors, among them are positively correlated, in general, the higher the rate of investment return, annual dividend rate will be higher. However, the investment rate of return is not the determining factor in the annual dividend rate of the only annual dividend rate of high and low, but also by the cost of actual expenditure, the actual occurrence of death and other factors. In addition, the lower the rate of annual dividend will also create conditions for a high return on investment.
Dividend distribution is determined by insurance companies free to do?
A: The dividend distribution is of course not insurance companies arbitrarily defined. First, dividend distribution is based on the interests of the interests of shareholders and customers the same principle, and is based on maximizing the interests of both the starting point, and only customers dividend, shareholders can have dividends. Dividends according to the business to determine the actual operating conditions, which must comply with the requirements of various regulatory laws and regulations, and after an accounting firm audit.
Dividend premium product of middle-aged cross-ways and wholesale distribution of dividends to pay premiums on the way, what is the difference?
A: In the same dividend business operating conditions, for the same level of annual dividend rate of wholesale customer's end-of ways to pay dividends may come earlier, but for customers are two ways Paying a dividend would be a fair distribution of the same please Paying customers based on individual ability to protect the need for a reasonable choice.
Dividend Rate Why can not the media published in the open?
A: The China Insurance Regulatory Commission promulgated the "new product information to disclose personal insurance Interim Measures," (Order No. 6) Chapter IV Article XVII provides that "insurance companies may not publish or publicity through public media, insurance, operating results or dividends dividend level of . "
Insurance policy holders dividend are shareholders of an insurance company?
A: It is not. Dividends of insurance policy holders can share the surplus generated by insurance dividends, not share other business surplus.
State dividends product sales and operation of all of those regulatory measures?
A: The China Insurance Regulatory Commission promulgated the following regulations: February 18, 2000, "Participating Insurance Interim Measures," (IA-fat î—?000 î—?6), the December 6, 2000 "On the insurance sales staff working years dividends Conditions The notice "(IA-fat î—?000 î—?52), the December 6, 2001," the new product information to disclose personal insurance Interim Measures "(China Insurance Regulatory Commission Order No. 6), January 25, 2002" On Insurance special dividends do a good job preparation and reporting of financial reports to work notice "(IA-fat î—?002 î—? number).
