不惧时光流逝,“越”享无忧人生
中宏宏越人生年金保险(分红型)

该产品为分红保险, 其红利分配是不确定的,在某些年度红利可能为零。


保险责任
生存年金

自第五个保险合同周年日起,若被保险人在每个保险合同周年日(含保险合同期满日)生存,本公司将按本合同当时的基本保险金额的百分之十(10%)给付生存年金。



祝寿金
若被保险人投保时的年龄小于等于六十五周岁,且在被保险人七十周岁至七十九周岁的每个保险合同周年日生存,本公司将按本合同累计已缴保险费的百分之十(10%)给付祝寿金;
若被保险人投保时的年龄大于六十五周岁,且在第五个保险合同周年日至第十四个保险合同周年日的每个保险合同周年日生存,本公司将按本合同累计已缴保险费的百分之十(10%)给付祝寿金。 上述“祝寿金”中的“累计已缴保险费”将按照本合同当时的基本保险金额在被保险人投保时的年龄所对应的期交保险费以及已缴的缴费期数计算;若以趸缴方式缴付保险费的,则按照本合同当时的基本保险金额在被保险人投保时的年龄所对应的趸缴保险费进行计算。

身故保险金。

若被保险人身故,本公司将给付身故保险金及其利息,本合同随之终止;身故保险金的利息将自被保险人身故之日起计算,但最长不超过一年。
身故保险金为下列两项金额中的较大者:
1、身故日本合同的保证现金价值;
2、身故日本合同累计已缴保险费-累计已给付的生存年金-累计已给付的祝寿金。
上述“身故保险金”中的“累计已缴保险费”、“累计已给付的祝寿金”将按照身故时本合同的基本保险金额在被保险人投保时的年龄所对应的期交保险费以及已缴的缴费期数计算;若以趸缴方式缴付保险费的,则按照身故时本合同的基本保险金额在被保险人投保时的年龄所对应的趸缴保险费计算。
上述“身故保险金”中的“累计已给付的生存年金”将以身故时本合同的基本保险金额为基础计算。



红利分配

本产品采用分配现金红利的方式,不具有终了红利,即直接以现金的形式将红利分配给保单持有人。红利的实现方式包括现金领取、缴付到期保费、留存于本公司享有累积生息以及购买交清增额保险。
产品红利来源于死差、利差和费差等所产生的可分配盈余,即保险公司实际经营成果与定价假设的差异造成的可分配盈余。
本公司依托先进的专业投资管理经验,对分红保险产品采用稳健的投资策略,精心配置投资组合,追求长期稳定增长和可持续的投资回报。
分红保险的红利分配具有不确定性,未来红利水平将由公司分红保险业务的实际经营状况决定,本公司的红利分配政策是在遵循国家法律、法规和监管部门规定的基础上,以稳健经营和专业精神为宗旨,本着公平合理的原则,努力保持红利分配的稳定性,具体红利金额将在每年寄发给客户的红利通知书中列明。


投保须知 投保年龄:
7天-70周岁(趸缴/3年缴)
7天-60周岁(5/10年缴)
7天-55周岁(15年缴)
7天-50周岁(20年缴)
保险期间:至被保险人 100 周岁
缴费期限:趸缴/3/5/10/15/20年缴
最低/最高基本保险金额:最低1万,最高2000万(若被保险人大于60周岁,最高1000万)
可搭配附加险:
附加保险费豁免重大疾病保险
附加定期寿险
附加交通工具意外伤害保险


投保示例 投保人/被保险人:王先生,男,30周岁
基本保险金额:1,000,000元
缴费期限:5年缴
年缴保费:1,099,270元

计划示例(单位:元)

保单年度末/ 年龄(周岁) 年付保险 费 保险费总计 保证现金价 值 生存年金 祝寿金 身故保险金 当年度红利 累积红利
1/31 1,099,270 1,099,270 510,890 - - 1,099,270 16,940 9,650 510 16,940 9,650 510
2/32 1,099,270 2,198,540 1,139,660 - - 2,198,540 37,830 21,550 1,130 55,278 31,490 1,655
3/33 1,099,270 3,297,810 1,858,340 - - 3,297,810 61,680 35,140 1,850 118,616 67,575 3,555
4/34 1,099,270 4,397,080 2,658,020 - - 4,397,080 88,210 50,250 2,640 210,384 119,852 6,302
5/35 1,099,270 5,496,350 3,420,250 100,000 - 5,496,350 116,820 66,550 3,500 333,516 189,998 9,991
6/36 - 5,496,350 3,458,660 100,000 - 5,396,350 118,100 67,280 3,530 461,621 262,978 13,821
7/37 - 5,496,350 3,498,690 100,000 - 5,296,350 119,420 68,030 3,570 594,890 338,897 17,806
8/38 - 5,496,350 3,540,400 100,000 - 5,196,350 120,800 68,810 3,620 733,537 417,874 21,960
9/39 - 5,496,350 3,583,870 100,000 - 5,096,350 122,240 69,640 3,660 877,783 500,050 26,279
10/40 - 5,496,350 3,629,180 100,000 - 4,996,350 123,750 70,490 3,700 1,027,866 585,542 30,767
15/45 - 5,496,350 3,886,860 100,000 - 4,496,350 132,300 75,370 3,960 1,874,497 1,067,853 56,102
20/50 - 5,496,350 4,206,840 100,000 - 4,306,840 142,920 81,410 4,280 2,907,638 1,656,385 87,028
25/55 - 5,496,350 4,598,660 100,000 - 4,698,660 155,920 88,820 4,670 4,169,040 2,374,969 124,777
30/60 - 5,496,350 5,076,590 100,000 - 5,176,590 171,780 97,850 5,140 5,709,053 3,252,263 170,869
31/61 - 5,496,350 5,183,990 100,000 - 5,283,990 175,340 99,890 5,250 6,055,665 3,449,721 181,245
32/62 - 5,496,350 5,295,670 100,000 - 5,395,670 179,050 102,000 5,360 6,416,385 3,655,213 192,042
33/63 - 5,496,350 5,411,810 100,000 - 5,511,810 182,910 104,200 5,470 6,791,787 3,869,069 203,273
34/64 - 5,496,350 5,532,590 100,000 - 5,632,590 186,910 106,470 5,590 7,182,451 4,091,611 214,961
35/65 - 5,496,350 5,658,170 100,000 - 5,758,170 191,090 108,860 5,720 7,589,015 4,323,219 227,130
40/70 - 5,496,350 5,814,790 100,000 549,635 6,464,425 214,530 122,210 6,420 9,883,464 5,630,284 295,795
41/71 - 5,496,350 5,401,090 100,000 549,635 6,050,725 200,800 114,390 6,010 10,380,768 5,913,583 310,679
42/72 - 5,496,350 4,970,340 100,000 549,635 5,619,975 186,490 106,240 5,580 10,878,681 6,197,230 325,579
43/73 - 5,496,350 4,521,870 100,000 549,635 5,171,505 171,610 97,760 5,140 11,376,651 6,480,907 340,486
44/74 - 5,496,350 4,054,990 100,000 549,635 4,704,625 156,130 88,940 4,670 11,874,081 6,764,274 355,371
45/75 - 5,496,350 3,568,990 100,000 549,635 4,218,625 139,990 79,750 4,190 12,370,293 7,046,952 370,222
46/76 - 5,496,350 3,063,130 100,000 549,635 3,712,765 123,210 70,190 3,690 12,864,612 7,328,551 385,019
47/77 - 5,496,350 2,536,650 100,000 549,635 3,186,285 105,730 60,230 3,160 13,356,280 7,608,638 399,730
48/78 - 5,496,350 1,988,790 100,000 549,635 2,638,425 87,550 49,870 2,620 13,844,518 7,886,767 414,342
49/79 - 5,496,350 1,418,760 100,000 549,635 2,068,395 68,640 39,100 2,050 14,328,494 8,162,470 428,822
50/80 - 5,496,350 1,375,410 100,000 - 1,475,410 48,960 27,890 1,470 14,807,309 8,435,234 443,157
55/85 - 5,496,350 1,128,680 100,000 - 1,228,680 40,770 23,230 1,220 17,400,831 9,912,678 520,764
60/90 - 5,496,350 824,170 100,000 - 924,170 30,670 17,470 920 20,358,151 11,597,372 609,269
65/95 - 5,496,350 450,970 100,000 - 550,970 18,280 10,420 550 23,725,895 13,515,872 710,060
70/100 - 5,496,350 - 100,000 - 100,000 3,320 1,890 100 27,556,313 15,697,929 824,702

注:上表中所列保证现金价值为当个保单周年日的现金利益给付后的保证现金价值。

该利益演示是基于公司的精算及其他假设,不代表公司的历史经营业绩,也不代表对公司未来经营业绩的预期。保单的红利分配是不确定的,实际派发的红利可 能高于或低于利益演示表所列之数额。

●    若王先生选择在 65 周岁前将每年生成的生存年金与红利用于购买交清增额保险,并从 65 周岁开始现金领取生存年金与红利,70 周岁开始可同时享 有祝寿金,分别按照高、中、低三档红利演示的保单利益详见下列各表。

(1) 按照高档红利演示的保单利益(单位:元):
保单年度末/ 年龄(周岁) 生存年金 祝寿金 当年度红利 当年度末增加的 基本保险金额 累计增加的 基本保险金额 当年度末的 基本保险金额 现金领取的生存年金、 祝寿金及当年度红利 总现金价值 总身故保险金
1/31 - - 16,940 3,676 3,676 1,003,676 - 521,916 1,099,270
2/32 - - 37,969 8,028 11,704 1,011,704 - 1,176,213 2,206,622
3/33 - - 62,402 12,856 24,560 1,024,560 - 1,938,186 3,336,408
4/34 - - 90,376 18,146 42,706 1,042,706 - 2,802,511 4,505,072
5/35 104,271 - 121,809 45,129 87,835 1,087,835 - 3,720,668 5,731,077
6/36 108,784 - 128,473 47,079 134,914 1,134,914 - 3,925,282 5,870,338
7/37 113,491 - 135,531 49,113 184,027 1,184,027 - 4,142,543 6,010,902
8/38 118,403 - 143,030 51,239 235,266 1,235,266 - 4,373,336 6,152,619
9/39 123,527 - 150,999 53,462 288,728 1,288,728 - 4,618,634 6,295,348
10/40 128,873 - 159,480 55,789 344,517 1,344,517 - 4,879,494 6,438,936
15/45 159,312 - 210,770 69,114 662,237 1,662,237 - 6,460,883 7,163,239
20/50 197,065 - 281,645 85,870 1,056,518 2,056,518 - 8,651,442 8,487,266
25/55 244,041 - 380,509 107,098 1,547,512 2,547,512 - 11,715,142 11,466,676
30/60 302,749 - 520,062 134,226 2,161,714 3,161,714 - 16,050,726 15,672,064
31/61 316,171 - 554,375 140,501 2,302,215 3,302,215 - 17,118,650 16,706,465
32/62 330,222 - 591,262 147,103 2,449,318 3,449,318 - 18,266,450 17,817,662
33/63 344,932 - 630,915 154,053 2,603,371 3,603,371 - 19,500,759 19,011,985
34/64 360,337 - 673,506 161,363 2,764,734 3,764,734 - 20,828,730 20,296,311
35/65 376,473 - 719,403 - 2,764,734 3,764,734 1,095,876 21,301,505 21,677,978
40/70 376,473 2,069,230 807,648 - 2,764,734 3,764,734 3,253,351 21,891,138 24,336,841
41/71 376,473 2,069,230 755,959 - 2,764,734 3,764,734 3,201,662 20,333,667 22,779,370
42/72 376,473 2,069,230 702,085 - 2,764,734 3,764,734 3,147,788 18,712,008 21,157,711
43/73 376,473 2,069,230 646,066 - 2,764,734 3,764,734 3,091,769 17,023,638 19,469,341
44/74 376,473 2,069,230 587,788 - 2,764,734 3,764,734 3,033,491 15,265,959 17,711,662
45/75 376,473 2,069,230 527,025 - 2,764,734 3,764,734 2,972,728 13,436,298 15,882,001
46/76 376,473 2,069,230 463,853 - 2,764,734 3,764,734 2,909,556 11,531,870 13,977,573
47/77 376,473 2,069,230 398,045 - 2,764,734 3,764,734 2,843,748 9,549,813 11,995,515
48/78 376,473 2,069,230 329,602 - 2,764,734 3,764,734 2,775,305 7,487,265 9,932,968
49/79 376,473 2,069,230 258,411 - 2,764,734 3,764,734 2,704,114 5,341,254 7,786,957
50/80 376,473 - 184,321 - 2,764,734 3,764,734 560,794 5,178,053 5,554,526
55/85 376,473 - 153,488 - 2,764,734 3,764,734 529,961 4,249,180 4,625,653
60/90 376,473 - 115,464 - 2,764,734 3,764,734 491,937 3,102,781 3,479,254
65/95 376,473 - 68,819 - 2,764,734 3,764,734 445,292 1,697,782 2,074,255
70/100 376,473 - 12,499 - 2,764,734 3,764,734 388,972 - 376,473


(2)按照中档红利演示的保单利益(单位:元)
保单年度末/ 年龄(周岁) 生存年金 祝寿金 当年度红利 当年度末增加的 基本保险金额 累计增加的 基本保险金额 当年度末的 基本保险金额 现金领取的生存年金、 祝寿金及当年度红利 总现金价值 总身故保险金
1/31 - - 9,650 2,094 2,094 1,002,094 - 517,171 1,099,270
2/32 - - 21,595 4,566 6,660 1,006,660 - 1,160,460 2,203,144
3/33 - - 35,374 7,288 13,948 1,013,948 - 1,903,686 3,319,773
4/34 - - 50,951 10,230 24,178 1,024,178 - 2,739,824 4,458,410
5/35 102,418 - 68,159 34,050 58,228 1,058,228 - 3,619,404 5,629,241
6/36 105,823 - 71,198 35,126 93,354 1,093,354 - 3,781,540 5,710,569
7/37 109,335 - 74,381 36,233 129,587 1,129,587 - 3,952,075 5,790,785
8/38 112,959 - 77,727 37,373 166,960 1,166,960 - 4,131,505 5,869,729
9/39 116,696 - 81,267 38,552 205,512 1,205,512 - 4,320,398 5,947,237
10/40 120,551 - 84,977 39,764 245,276 1,245,276 - 4,519,331 6,023,160
15/45 141,724 - 106,817 46,417 463,654 1,463,654 - 5,689,018 6,372,394
20/50 166,433 - 135,493 54,158 718,484 1,718,484 - 7,229,387 7,167,986
25/55 195,268 - 173,437 63,226 1,015,906 2,015,906 - 9,270,466 9,174,979
30/60 228,946 - 224,024 73,893 1,363,357 2,363,357 - 11,997,795 11,851,616
31/61 236,336 - 236,076 76,244 1,439,601 2,439,601 - 12,646,867 12,487,955
32/62 243,960 - 248,839 78,669 1,518,270 2,518,270 - 13,335,927 13,163,282
33/63 251,827 - 262,404 81,180 1,599,450 2,599,450 - 14,067,730 13,880,226
34/64 259,945 - 276,763 83,769 1,683,219 2,683,219 - 14,845,151 14,641,636
35/65 268,322 - 292,095 - 1,683,219 2,683,219 560,417 15,182,109 15,450,431
40/70 268,322 1,474,791 327,916 - 1,683,219 2,683,219 2,071,029 15,602,355 17,345,468
41/71 268,322 1,474,791 306,933 - 1,683,219 2,683,219 2,050,046 14,492,307 16,235,420
42/72 268,322 1,474,791 285,065 - 1,683,219 2,683,219 2,028,178 13,336,511 15,079,624
43/73 268,322 1,474,791 262,311 - 1,683,219 2,683,219 2,005,424 12,133,167 13,876,280
44/74 268,322 1,474,791 238,645 - 1,683,219 2,683,219 1,981,758 10,880,426 12,623,539
45/75 268,322 1,474,791 213,987 - 1,683,219 2,683,219 1,957,100 9,576,382 11,319,495
46/76 268,322 1,474,791 188,335 - 1,683,219 2,683,219 1,931,448 8,219,049 9,962,162
47/77 268,322 1,474,791 161,610 - 1,683,219 2,683,219 1,904,723 6,806,387 8,549,500
48/78 268,322 1,474,791 133,812 - 1,683,219 2,683,219 1,876,925 5,336,359 7,079,472
49/79 268,322 1,474,791 104,914 - 1,683,219 2,683,219 1,848,027 3,806,844 5,549,957
50/80 268,322 - 74,835 - 1,683,219 2,683,219 343,157 3,690,526 3,958,848
55/85 268,322 - 62,331 - 1,683,219 2,683,219 330,653 3,028,496 3,296,818
60/90 268,322 - 46,876 - 1,683,219 2,683,219 315,198 2,211,429 2,479,751
65/95 268,322 - 27,959 - 1,683,219 2,683,219 296,281 1,210,051 1,478,373
70/100 268,322 - 5,071 - 1,683,219 2,683,219 273,393 - 268,322



(3) 按照低档红利演示的保单利益(单位:元):
保单年度末/ 年龄(周岁) 生存年金 祝寿金 当年度红利 当年度末增加的 基本保险金额 累计增加的 基本保险金额 当年度末的 基本保险金额 现金领取的生存年金、 祝寿金及当年度红利 总现金价值 总身故保险金
1/31 - - 510 111 111 1,000,111 - 511,223 1,099,270
2/32 - - 1,130 239 350 1,000,350 - 1,140,753 2,198,784
3/33 - - 1,851 381 731 1,000,731 - 1,860,717 3,298,964
4/34 - - 2,642 530 1,261 1,001,261 - 2,662,286 4,400,294
5/35 100,126 - 3,504 20,686 21,947 1,021,947 - 3,495,314 5,503,281
6/36 102,195 - 3,607 20,995 42,942 1,042,942 - 3,607,182 5,514,784
7/37 104,294 - 3,723 21,303 64,245 1,064,245 - 3,723,463 5,523,786
8/38 106,425 - 3,853 21,614 85,859 1,085,859 - 3,844,375 5,530,190
9/39 108,586 - 3,974 21,921 107,780 1,107,780 - 3,970,140 5,533,918
10/40 110,778 - 4,099 22,226 130,006 1,130,006 - 4,100,995 5,534,857
15/45 122,193 - 4,839 23,724 245,655 1,245,655 - 4,841,687 5,494,229
20/50 134,341 - 5,750 25,129 368,534 1,368,534 - 5,757,204 5,785,830
25/55 147,167 - 6,873 26,415 498,084 1,498,084 - 6,889,179 6,914,872
30/60 160,608 - 8,255 27,547 633,627 1,633,627 - 8,293,254 8,314,018
31/61 163,363 - 8,577 27,750 661,377 1,661,377 - 8,612,562 8,632,069
32/62 166,138 - 8,905 27,944 689,321 1,689,321 - 8,946,087 8,964,242
33/63 168,932 - 9,241 28,128 717,449 1,717,449 - 9,294,508 9,311,216
34/64 171,745 - 9,601 28,305 745,754 1,745,754 - 9,658,541 9,673,686
35/65 174,575 - 9,986 - 745,754 1,745,754 184,561 9,877,773 10,052,348
40/70 174,575 959,527 11,208 - 745,754 1,745,754 1,145,310 10,151,193 11,285,296
41/71 174,575 959,527 10,492 - 745,754 1,745,754 1,144,594 9,428,974 10,563,077
42/72 174,575 959,527 9,741 - 745,754 1,745,754 1,143,843 8,676,991 9,811,094
43/73 174,575 959,527 8,973 - 745,754 1,745,754 1,143,075 7,894,073 9,028,176
44/74 174,575 959,527 8,153 - 745,754 1,745,754 1,142,255 7,079,015 8,213,118
45/75 174,575 959,527 7,315 - 745,754 1,745,754 1,141,417 6,230,579 7,364,681
46/76 174,575 959,527 6,442 - 745,754 1,745,754 1,140,544 5,347,471 6,481,574
47/77 174,575 959,527 5,517 - 745,754 1,745,754 1,139,619 4,428,367 5,562,470
48/78 174,575 959,527 4,574 - 745,754 1,745,754 1,138,676 3,471,938 4,606,041
49/79 174,575 959,527 3,579 - 745,754 1,745,754 1,137,681 2,476,806 3,610,909
50/80 174,575 - 2,566 - 745,754 1,745,754 177,141 2,401,128 2,575,703
55/85 174,575 - 2,130 - 745,754 1,745,754 176,705 1,970,398 2,144,973
60/90 174,575 - 1,606 - 745,754 1,745,754 176,181 1,438,798 1,613,373
65/95 174,575 - 960 - 745,754 1,745,754 175,535 787,283 961,858
70/100 174,575 - 175 - 745,754 1,745,754 174,750 - 174,575



(4) 按照上述高、中、低三档红利演示的保单利益汇总信息:
保单年度末/ 年龄(周岁) 累计增加的基本保险金额 当年度末的基本保险金额 现金领取的生存年金、祝寿金及当 年度红利

总现金价值

总身故保险金

1/31 3,676 2,094 111 1,003,676 1,002,094 1,000,111 - - - 521,916 517,171 511,223 1,099,270 1,099,270 1,099,270
2/32 11,704 6,660 350 1,011,704 1,006,660 1,000,350 - - - 1,176,213 1,160,460 1,140,753 2,206,622 2,203,144 2,198,784
3/33 24,560 13,948 731 1,024,560 1,013,948 1,000,731 - - - 1,938,186 1,903,686 1,860,717 3,336,408 3,319,773 3,298,964
4/34 42,706 24,178 1,261 1,042,706 1,024,178 1,001,261 - - - 2,802,511 2,739,824 2,662,286 4,505,072 4,458,410 4,400,294
5/35 87,835 58,228 21,947 1,087,835 1,058,228 1,021,947 - - - 3,720,668 3,619,404 3,495,314 5,731,077 5,629,241 5,503,281
6/36 134,914 93,354 42,942 1,134,914 1,093,354 1,042,942 - - - 3,925,282 3,781,540 3,607,182 5,870,338 5,710,569 5,514,784
7/37 184,027 129,587 64,245 1,184,027 1,129,587 1,064,245 - - - 4,142,543 3,952,075 3,723,463 6,010,902 5,790,785 5,523,786
8/38 235,266 166,960 85,859 1,235,266 1,166,960 1,085,859 - - - 4,373,336 4,131,505 3,844,375 6,152,619 5,869,729 5,530,190
9/39 288,728 205,512 107,780 1,288,728 1,205,512 1,107,780 - - - 4,618,634 4,320,398 3,970,140 6,295,348 5,947,237 5,533,918
10/40 344,517 245,276 130,006 1,344,517 1,245,276 1,130,006 - - - 4,879,494 4,519,331 4,100,995 6,438,936 6,023,160 5,534,857
15/45 662,237 463,654 245,655 1,662,237 1,463,654 1,245,655 - - - 6,460,883 5,689,018 4,841,687 7,163,239 6,372,394 5,494,229
20/50 1,056,518 718,484 368,534 2,056,518 1,718,484 1,368,534 - - - 8,651,442 7,229,387 5,757,204 8,487,266 7,167,986 5,785,830
25/55 1,547,512 1,015,906 498,084 2,547,512 2,015,906 1,498,084 - - - 11,715,142 9,270,466 6,889,179 11,466,676 9,174,979 6,914,872
30/60 2,161,714 1,363,357 633,627 3,161,714 2,363,357 1,633,627 - - - 16,050,726 11,997,795 8,293,254 15,672,064 11,851,616 8,314,018
31/61 2,302,215 1,439,601 661,377 3,302,215 2,439,601 1,661,377 - - - 17,118,650 12,646,867 8,612,562 16,706,465 12,487,955 8,632,069
32/62 2,449,318 1,518,270 689,321 3,449,318 2,518,270 1,689,321 - - - 18,266,450 13,335,927 8,946,087 17,817,662 13,163,282 8,964,242
33/63 2,603,371 1,599,450 717,449 3,603,371 2,599,450 1,717,449 - - - 19,500,759 14,067,730 9,294,508 19,011,985 13,880,226 9,311,216
34/64 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 - - - 20,828,730 14,845,151 9,658,541 20,296,311 14,641,636 9,673,686
35/65 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 1,095,876 560,417 184,561 21,301,505 15,182,109 9,877,773 21,677,978 15,450,431 10,052,348
40/70 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 3,253,351 2,071,029 1,145,310 21,891,138 15,602,355 10,151,193 24,336,841 17,345,468 11,285,296
41/71 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 3,201,662 2,050,046 1,144,594 20,333,667 14,492,307 9,428,974 22,779,370 16,235,420 10,563,077
42/72 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 3,147,788 2,028,178 1,143,843 18,712,008 13,336,511 8,676,991 21,157,711 15,079,624 9,811,094
43/73 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 3,091,769 2,005,424 1,143,075 17,023,638 12,133,167 7,894,073 19,469,341 13,876,280 9,028,176
44/74 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 3,033,491 1,981,758 1,142,255 15,265,959 10,880,426 7,079,015 17,711,662 12,623,539 8,213,118
45/75 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 2,972,728 1,957,100 1,141,417 13,436,298 9,576,382 6,230,579 15,882,001 11,319,495 7,364,681
46/76 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 2,909,556 1,931,448 1,140,544 11,531,870 8,219,049 5,347,471 13,977,573 9,962,162 6,481,574
47/77 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 2,843,748 1,904,723 1,139,619 9,549,813 6,806,387 4,428,367 11,995,515 8,549,500 5,562,470
48/78 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 2,775,305 1,876,925 1,138,676 7,487,265 5,336,359 3,471,938 9,932,968 7,079,472 4,606,041
49/79 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 2,704,114 1,848,027 1,137,681 5,341,254 3,806,844 2,476,806 7,786,957 5,549,957 3,610,909
50/80 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 560,794 343,157 177,141 5,178,053 3,690,526 2,401,128 5,554,526 3,958,848 2,575,703
55/85 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 529,961 330,653 176,705 4,249,180 3,028,496 1,970,398 4,625,653 3,296,818 2,144,973
60/90 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 491,937 315,198 176,181 3,102,781 2,211,429 1,438,798 3,479,254 2,479,751 1,613,373
65/95 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 445,292 296,281 175,535 1,697,782 1,210,051 787,283 2,074,255 1,478,373 961,858
70/100 2,764,734 1,683,219 745,754 3,764,734 2,683,219 1,745,754 388,972 273,393 174,750 - - - 376,473 268,322 174,575


注:上述各表中所列现金价值为当个保单周年日的现金利益给付后的现金价值。



该利益演示是基于公司的精算及其他假设,不代表公司的历史经营业绩,也不代表对公司未来经营业绩的预期。保单的红利分配是不确定的,实际派发的红利可 能高于或低于利益演示表所列之数额。

责任免除

因下列情形之一直接或间接导致被保险人身故的,本公司不承担给付身故保险金的保险责任:
一、投保人对被保险人的故意杀害、故意伤害;
二、被保险人故意犯罪或者抗拒依法采取的刑事强制措施;
三、被保险人自本合同成立日(若曾复效,则以最后复效日为准)起二年内自杀,但被保险人自杀时为无民事行为能力人的除外;
四、战争、军事冲突、暴乱或武装叛乱;
五、核爆炸、核辐射或核污染。
发生上述第一项情形导致被保险人身故的,本合同终止,本公司向被保险人的继承人退还本合同当时的现金价值; 发生上述其他情形导致被保险人身故的,本合同终止,本公司向投保人退还本合同当时的现金价值。



犹豫期

自投保人签收本合同当日(含当日)起的十五日为犹豫期。犹豫期内投保人要求解除本合同的,由投保人填写申请书,并提供保险合同、投保人身份证明及保险费发票,本公司将退还已收保险费。自本公司收到投保人解除合同的书面申请时起,本合同自始无效,本公司不承担任何保险责任。



解除合同

犹豫期满后投保人要求解除本合同的,由投保人填写申请书,并提供下列资料:
一、保险合同;
二、投保人身份证明。
自本公司收到解除合同申请书的当日24时起,本合同终止,本公司将退还投保人本合同当时的现金价值。
投保人在犹豫期后解除本合同会受到一定的损失。


本产品说明仅供参考,详细内容以保险合同为准。



 

 

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