Product characteristics
Special investment, find out.
Pay attention to the financial support for children's higher education and marriage, the education plan is configured independently, and the amount of money received is clear and clear.
Accumulate, grow and care bit by bit.
From the day after the end of the hesitation period to the age of 17, the pension will be paid every year to accompany the children to grow up.
Universal insurance account, flexible control
The returned funds automatically enter the universal insurance account and accumulate interest, which can be flexibly controlled according to actual needs.
Customers benefit from changing fees to new products.
Self-pricing products after the marketization of rates will give customers more benefits.
The policy has the functions of death protection, premium exemption, additional universal insurance account income, policy loan and so on.
Product introduction
Portfolio Plan: Bright Future Children's Education Annuity Insurance Plan
Name of main insurance: Bright Future Children's Education Annuity Insurance
Additional insurance: additional continuing education annuity insurance. Additional Arbitrary Annuity Insurance (Universal)
Age range of the insured: born more than 30 days, 13 years old.
Insurance period:
Bright future: the corresponding date when the insured's 28-year-old policy takes effect.
Additional education: to the corresponding date when the insured's 24-year-old policy comes into effect.
Additional random claims: consistent with the main insurance contract.
Payment method of main insurance: one-time payment, 5 years, 10 year.
"Promising future" pension, "extra study" university education fund and continuing education fund will be automatically converted into optional annuity insurance (universal) contract according to the agreed payment time.
Brief introduction of product liability:
Brilliant future
1. Pension: from the day after the end of the hesitation period to the effective date of 17-year-old policy (inclusive), you will pay the basic insurance amount ×3% for each year of your life.
2. University education grant: 18-2 1 period, full residence every year, with the basic insurance amount of ×30%.
3. Wedding money: if the 28-year-old policy survives before 0: 00 on the effective date, the basic insurance amount shall be paid ×60%, and the contract shall be terminated.
4. Death insurance: The actual insurance premium paid is greater than the cash value, and the contract is terminated.
5. Exemption from insurance premium: The insured is exempt from insurance premium for accidental death or accidental physical injury.
Additional research
1. further education and career development fund: people aged 22 to 24 will survive for one year within the effective date of the policy, and pay the basic insurance amount of ×40%.
2. Death insurance: the actual premium paid is greater than the cash value, and the contract is terminated.
3. Exemption from insurance premium: The insured is exempt from insurance premium for accidental death or accidental physical injury.
Additional free ring
The default combination of "bright future" and "additional free collar", the pension, university education fund and further education fund added by customers will be added to the universal insurance account for the second time.
exonerate
If the insured dies in the following circumstances (1-6), the Company will not assume the insurance liability:
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. Suicide within two years from the date of the establishment of the contract or the resumption of the validity of the contract, unless he is a person without civil capacity at the time of suicide;
4. Take the initiative to take or inject drugs;
5. War, military conflict, riot or armed rebellion;
6. Nuclear explosion, radiation or pollution.
If the insured suffers accidental injury and dies during the following periods, the Company will not assume the insurance liability:
7. During drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license.
If the insured dies due to the above 1, and this contract is terminated, the company will refund the cash value of the policy to the beneficiary of the death insurance.
This contract is terminated due to the death of the insured in the above-mentioned situations 2-6 or during the above-mentioned period 7, and the company will refund the cash value of the policy to you.
If the insured dies or is totally disabled due to the circumstances mentioned in Item 2-6 or Item 7 above, or the insured intentionally kills or hurts the insured, the Company will not be exempted from the insurance premium.
Buying skills
1. After signing the insurance policy, you have a 10 day hesitation period. If you want to terminate the contract during this period, our company will deduct the production cost and refund the insurance premium actually paid by the principal insurance. If you terminate the contract after the hesitation period, you may suffer some losses.
2. The product content is for reference only, and the specific rights and obligations are subject to the formal insurance contract.