Insurance age: 0-70 years old
Target payment period+insurance age cannot exceed 75 years old.
Target contribution period: 5 to 30 years.
Minimum contribution: 300 yuan USD/month, 65,438+0,800 USD/half year and 3,600 USD/year.
Reduce or increase regular premiums
1. Reduce the term premium:
After the policy comes into effect 18 months, the customer can reduce the premium to not less than the minimum regular premium.
2. Increase the regular premium:
If the customer reduces the regular premium, he can increase it to no more than the amount set when the policy is issued at any time.
In addition to the above circumstances, the customer shall not increase the regular premium.
If the customer needs to raise the regular premium to be higher than the original amount when the policy is issued, he must buy a new "Yujun Investment Insurance Plan".
Policy account
The premium will be deposited in your two different accounts:
1. Initial contribution account:
The regular premium for the first 18 months from the policy date will be deposited into the first contribution account.
2. Cumulative contribution account:
Any future regular premium [that is, the regular premium for 19 months and beyond] will be deposited into the "accumulated contribution account".
Withdraw some money
During the target contribution period: only part of the funds can be withdrawn from the Cumulative Contribution Account.
After the target contribution period: customers can withdraw some funds from the "initial contribution account" and/or the "accumulated contribution account", but the total value of the withdrawn accounts shall not be lower than the minimum account balance.
Minimum account balance
Target contribution period: Not applicable.
After the target contribution period: HK$ 1 2,000 yuan/US$ 1, 500 yuan/Euro 1, 500 yuan/GBP 960 yuan/AUD1,800 yuan/SGD2, the amount determined by 400 yuan or the company from time to time.
Senior holiday
Customers can apply for advanced holidays, but they must meet the following conditions:
1. After the policy takes effect 18 months; and
2. The total value of the account is enough to pay the relevant policy fees due.
Fault-free guarantee
Only for the first 18 months after the policy comes into effect.
If the value of the policy account drops to zero or lower due to the investment performance and/or the payment of the policy fee, the policy will not expire and the customer can continue to enjoy the benefits provided by the plan.
If the regular premium due cannot be paid at the expiration of the grace period, the trouble-free guarantee will no longer apply.
Product advantage
1. First year award: First year award = paid first year regular premium x applicable first year award percentage.
Only applicable to policies with a target contribution period of 10 years or more.
This reward will be paid after the company receives the first-year regular premium every time during the validity period of the policy.
The reward will be allocated to the "initial contribution account" in the form of extra units according to the latest investment selection allocation instruction of the customer.
2. Long-term customer reward: Long-term customer reward = [total paid regular premiums in the previous 10 policy years-
Total withdrawal amount in previous 10 policy year (if any) ]x 4% long-term customer reward percentage.
3. Policy management fee rebate: Policy management fee rebate = 65438+ 000% of the total paid policy management fee in the target payment year.
Applicable to all your policies [no matter which target payment period the customer chooses]
Policy management fee rebate will be paid when the target payment period expires within the validity period of the policy.
The reward will be allocated to the "accumulated contribution account" in the form of extra units according to the latest investment selection allocation instruction of the customer.