Product features | Product basic information | Insurance benefits | Benefit demonstration | Liability exemption | Risk warning

Product characteristics

An investment, too simple.

Low premium, worry-free security, increased dividends, safety and reliability.

Double guarantee, high value

/kloc-After 0/8 years old, double the protection value and prevent life risks.

Three functions, a wide range of uses.

Can have the triple care of death, total disability and serious illness.

Maturity set, strong programming

Due to receive subsistence allowances, independent planning.

Basic product information

Good luck, good luck, a share of old-age security

Payment period: 15, 20, 30 years (subject to the insured's age not exceeding 70 at the time of payment expiration).

Insurance period: maturity type: 15, 20 years, 30 years.

Over 50, 60, 70.

Insurance age: 30 days -55 years old

Auspicious ruyi b pension security

Payment term: lump sum

Insurance period: maturity type: 15, 20 years, 30 years.

Over 50 years old, over 60 years old and over 70 years old.

Insurance age: maturity type: 30 days to 55 years old.

Full-year-old type: 30 days to 59 years old.

Auspicious ruyi c endowment insurance

Payment period: 3 years or 5 years.

Insurance period: maturity type: 15, 20 years, 30 years.

Over 50 years old, over 60 years old and over 70 years old.

Insurance age: maturity: 30 days after birth ~ 55 years old.

At least 30 days after birth ~ 59 years old.

Insurable interest

Expired survival insurance:

Basic Insurance Amount+Cumulative Dividend Insurance Amount+Final Dividend

Death or total disability insurance:

110% of the premium actually paid due to illness within one year after the contract comes into effect;

Due to an accident or one year after the contract comes into effect:

/kloc-before the age of 0/8: (basic insured amount+accumulated bonus insured amount)+final bonus;

/kloc-After 0/8 years old: (basic insured amount+accumulated dividend insured amount) ×2+ final dividend.

Premium exemption:

Due to accidental death or total physical disability, the insured is between the age of 18 and the age of 60, and the insurance contract continues to be valid.

Interest display

Case demonstration 1:

Mr. Wang bought 50,000 yuan for his 0-year-old daughter, adding a serious illness in 2008.

Name of insurance, basic insurance amount, annual premium insurance period, payment period

Lucky ruyi a 50 thousand yuan 23 10 yuan 20 years 20 years

Additional 08 regular serious illness 50,000 yuan 60 yuan 20 years 20 years

The annual premium is 2370 yuan (197.5 yuan/month).

Interest display

Expired set:

If you live to be 20 years old, you will pay the basic insurance amount of 50,000 yuan+accumulated bonus+final bonus;

Life support:

In case of death or total disability due to illness within one year after the Contract comes into effect, the death or total disability insurance premium shall be paid according to 1 10% of the premium paid by the main insurance, that is, 23 10 yuan ×10% = 2541yuan.

Death or total disability due to accidents or illness within one year after the contract comes into effect can be divided into the following two situations:

Before 1 and 18 years old, pay 50,000 yuan+accumulated bonus insurance amount+final bonus;

2./Kloc-After 0/8 years old: payment (50,000 yuan+accumulated dividend insurance amount) ×2+ final bonus;

(After one of the above two insurance benefits is paid, the main insurance and additional insurance contracts are terminated. )

Critical care

1. If one of the 32 serious diseases listed in the contract occurs for the first time within one year after the contract comes into effect, the critical illness insurance premium shall be paid according to the sum of 10% of the additional insurance coverage and the additional insurance premium, that is, 50,000 yuan × 10%+60 yuan = 5,060 yuan;

2. After the contract comes into effect or one year after it comes into effect, the additional insurance amount is 50,000 yuan, the additional insurance contract is terminated, and the main insurance contract continues to be valid;

Premium exemption

If the insured dies unexpectedly or is physically disabled during the payment period, and the age is between 18 and 60 years old, the renewal premium will be exempted, and the insured will continue to enjoy the corresponding protection.

Case demonstration 2:

30-year-old Mr. Wang bought himself 654.38+100,000, plus regular serious illness in 2008.

Name of insurance, basic insurance amount, annual premium insurance period, payment period

Lucky ruyi a 65438+ 10,000 yuan 48 10/20 years in 0 yuan.

Additional 08 regular serious illness 654.38+ 10,000 yuan 530 yuan 20 years 20 years.

The annual premium is 5340 yuan (445 yuan/month).

Interest display

Expired set:

If he survives to the age of 50, he will pay the basic insurance amount of the main insurance of 6,543,800 yuan+accumulated dividend insurance amount+final dividend;

Life support:

1. In case of death or total disability due to illness within one year after the contract comes into effect, the death or total disability insurance premium shall be paid at 1 10% of the premium paid by the main insurance, that is, 48 10 yuan×1/kloc-0% = 529.

2. Due to accident or death or physical disability one year after the contract comes into effect, pay (basic insurance coverage of main insurance is 6,543,800 yuan+accumulated bonus coverage) ×2+ final bonus;

(After one of the above two insurance benefits is paid, the main insurance and additional insurance contracts are terminated. )

Critical care

1. If one of the 32 serious diseases listed in this contract occurs for the first time within one year after the contract comes into effect, the critical illness insurance premium shall be paid according to the sum of 10% of the additional insurance premium, that is, 10530 yuan × 65438+00% of 530 yuan =10530.

2. After the contract comes into effect or one year later, the additional insurance coverage is 654.38+10,000 yuan, the additional insurance contract is terminated, and the main insurance contract continues to be valid;

Premium exemption

If the insured dies unexpectedly or is physically disabled during the payment period, and the age is between 18 and 60 years old, the renewal premium will be exempted, and the insured will continue to enjoy the corresponding protection.

exonerate

The Company shall not be liable for the death or physical disability of the insured due to one of the following circumstances:

1. The applicant intentionally kills or intentionally hurts the insured;

2. Intentionally committing a crime or resisting criminal compulsory measures taken according to law;

3. Commit suicide within two years from the date of the establishment of this contract or the date of the resumption of the effectiveness of this contract, unless he is a person without civil capacity at the time of suicide;

4. Actively taking or injecting drugs (see definition);

5. Drunk driving (see explanation), driving without a valid driver's license (see explanation) or driving a motor vehicle without a valid driver's license (see explanation) (see explanation);

6. War, military conflict, riot or armed rebellion;

7. Nuclear explosion, nuclear radiation or nuclear pollution.

If the insured dies due to the above-mentioned situation of 1, this contract is terminated, and the company will refund the cash value of the policy to the beneficiary of the death insurance.

If the insured dies due to the above other circumstances, this contract is terminated, and the company will refund the cash value of the policy to you.

In case of the death or physical disability of the Insured due to the circumstances mentioned in Item 2-7 above or the intentional killing or injury of the Insured, the Company will not be exempted from the insurance premium (except for item B).

Risk warning

This product is dividend insurance, and the dividend is uncertain. This product pays dividends by increasing dividends. Distribute the annual bonus by increasing the insurance amount. One year after the contract comes into effect, when the contract is terminated due to the death or physical disability of the insured, the cancellation of the insurance contract by the applicant, the exemption of liability, the conversion of terms or the expiration of the contract and the failure to reach a reinstatement agreement, the last bonus will be paid.