保單持有人紅利
policyholder dividend
是保險公司每年從純利發給（分紅）保單的保費退款。紅利並無保證，假如保險公司當年有太多索償，發放的紅利便會減少，甚至並無紅利。紅利通常用以增購額外保險，不過有些保險公司亦會提供其他的選擇。
Annual net profit from insurance companies issued (dividends) Premiums refund. Dividends are not guaranteed, if the insurance company had had too many claims, payment of dividends will be reduced, or even no bonus. Bonus is often used to purchase additional insurance, but some insurance companies will also offer other options.