高数值≠高收益 消费者选分红险应关注什么？

Core Insights - The report highlights that as of August 15, 62 insurance companies have released their latest dividend realization rates, with some products exceeding 100% realization rates, such as China Life's "GuoShou XinHongYing" insurance at 121% [1] - The increasing popularity of dividend insurance products has led to heightened consumer interest in dividend realization rates, which measure the actual dividends distributed compared to the expected dividends [1] - It is emphasized that a higher dividend realization rate does not necessarily equate to higher actual returns for consumers, as demonstrated by two products with different realization rates but similar actual yields [2][3] Summary by Sections - Dividend Realization Rate Definition: The dividend realization rate is defined as the ratio of actual dividends distributed to the expected dividends, serving as a key metric for consumers evaluating dividend insurance products [1] - Factors Influencing Dividend Realization Rates: Various factors affect the dividend realization rate, including the insurance company's operational performance, regulatory policies, investment returns, and the method of dividend distribution [2] - Consumer Evaluation Recommendations: Consumers are advised to consider not only the dividend realization rate but also the insurance company's long-term investment returns, solvency adequacy, and risk ratings to assess the overall stability and sustainability of the company [3]