Minsheng Life's dividend is quite small! The dividend for 20 16 years is 1.88% based on the net value, and I have invested for 20 years.

20 17/ 1 1/20

What I bought was "People's Livelihood Annual Red Pension Insurance", not "what serious illness medical insurance". The following one says that "critical illness medical insurance" is the intermediary of insurance companies!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.