Taikang Life's dividend insurance is more reliable, because the insurance products launched by regular insurance companies have been reviewed and filed by the China Banking Regulatory Commission, and there is no problem.

However, it should be noted that the dividend of dividend insurance is actually the distributable surplus obtained by the insurance company's dividend insurance business in the previous year. Only when the operating performance of the previous year is good, the dividend is uncertain.

If you want to buy dividend insurance, I suggest you have a look before you buy it: about dividend insurance, the salesman won't tell you.