The extraction of legal accumulation fund have mandatory insurance company must be extracted lawfully ; the extraction of aleatoric accumulation fund do not have mandatory insurance company can be extracted according to needing write one 's own ticket actually .

法定公积金的提取，具有强制性，保险公司必须依法提取；任意公积金的提取，不具有强制性，保险公司可以根据实际需要 自行决定提取。