If it belongs to the husband and wife, then the dividend income obtained during this period belongs to the joint property of the husband and wife. At the time of divorce, the insurance premium paid at the beginning should be compensated by the insured to the other half. That is, if 500,000 insurance premiums were paid at the beginning, the insured should hand over 250,000 of them to the other party at the time of divorce.

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