Dividends are NOT a factor in calculating insurance rates.
Why is there interest?
In the fields of finances and economics, interest is the payment made at a set rate by a borrowers or deposit-taking commercial bank to the a lender or depositor in excess of the principal amount (the amount borrowed). It is not the same as a fee that the borrower might pay to the lender or another entity. It also differs from a dividend, which is money given to shareholders (owners) by a company from its profit or reserve, but not at a set rate predetermined in beforehand, but rather on a pro-rated basis as a share of the reward received by danger businesspeople once revenue is earned that exceeds all costs.
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