Note that the annual payment is 2880 yuan, which is paid for 20 years, but the insurance period is 80 years old. You can play once every other year before you are 60, once a year after you are 60, and you can play until you are 80. Generally speaking, it is very good in similar products.

If it is two copies, the basic insurance amount is 20,000. The dividend in the first year is obtained by multiplying the dividend base (20,000) by the dividend rate (for example, 1. 1%), and then the dividend will accumulate to more than 20,000, so your dividend base will continue to rise in the future (of course, it does not mean that the dividend will definitely increase, but that the same customer will have the same dividend rate and pay dividends for a long time). Therefore, the amount received will continue to rise.

Dividends are not calculated, but are calculated according to the income of insurance companies. Therefore, the calculation has no practical significance. Generally speaking, Xinhua Life's dividend products are good, and the annual dividend is also very high, which is quite good from the perspective of financial management. And an exemption clause. Within 20 years, if the insured dies unexpectedly or is totally disabled, the remaining premium will not be paid and the contract will continue to be valid.