Yeh. You're right. Chubb doesn't pay a steady dividend... they keep increasing it year after year after year for decades. What a bummer! They also have one of the lowest payouts in the industry at something like about 25% of earnings. I also insure with Chubb. Had a major claim last year, and their claim service could not possibly have been better. They really bent over backwards to make sure I got a fair settlement. I have a big enough position now so that the dividend more than pays the premiums on my policies.