tory burch jewelry bulk pallets wholesale Pacific Well -off House Fukuki Shouyan's Terms

Dawn

November 27, 2022 at 5:11 am

wholesale jewelry business for sale China Pacific Life Insurance Co., Ltd.

Thekang House · Fushou Yannian annuity insurance Terms (dividend type) clause

The composition of the first insurance contract

The insurance contract (hereinafter referred to as "this contract") by the insurance form and other insurance vouchers and the terms attached, cash value table, insurance form, etc. , Repeated application forms, comments, attached post batch orders, and other related written agreements.

It the scope of insurance

The insurance age of the insured person accepted by this contract is 0 to 17 years old.

Article 3 Insurance liability

During the validity period of this contract, the company's insurance liability for the insured :

Mu annuity receipt of this contract can be the insured 35, 40, 45, 50, 55, or 60 years old. Five types of payment, annual increase, monthly increase payment and one -time payment are selected by the insured person when insured. The annuity receiving start date is the corresponding date of the contract effective date for the insured to receive the starting age selected by the contract.

This selected by the insured person to receive the starting age and the method of receiving the method can be applied to the company for changes according to the actual payment year before the annual payment of the annuity. The company agrees to change the change. After annotating or attached to the insurance policy, after the change of the starting age and receiving method after the change. The insured applying for changes to receive the starting age or obtaining method is only once.

The method of annuity payment is as follows:

(1) Payment by annual aimedies: from the start date stipulated in the contract stipulated in this contract to the 99 -year -old contract of the insured takes effect Over the day of the day, if the insured is still survive, the company pays the annuity to it according to the corresponding payment amount each year.

(2) Monthly paid for monthly standard: From the beginning date stipulated in the contract stipulated in this contract to the first month before the insured's 100 -year -old contract takes effect date, if the insurer will still be To survive, the company pays the annuity according to the corresponding payment amount.

(3) Increase payment by annual increase: From the beginning date stipulated in the contract stipulated in this contract to the effective date of the contract effective date of the insured 99 years old. The company will give the annuity every year according to the following agreed on the first five years starting from the beginning of the year. 10%of the annual payment amount (the annual payment amount of the year is equal to each 5 years; the payment amount is based on the total payment of the insurance form, and the four houses are reserved to the yuan).

(4) Monthly increased payment: From the beginning of the annuity receipt of the contract stipulated in this contract to the first month before the insured's 100 -year -old contract takes effect date, if the insured still still To survive, the company will give the annuity every month according to the following agreed: the first five years starting from the beginning of the annuity, the company pays the annuity at the corresponding first -term monthly payment amount, and the monthly payment amount is performed every 5 years at the end of the full 5 years. The last 5 -year monthly payment amount increased (the monthly payment amount during each 5 years was equal; the payment amount was based on the total payment of the insurance form, and the four houses were reserved to the yuan).

(5) One -time payment: The insured survives the annuity receipt of the annuity stipulated in this contract, and the company will receive the annuity of the amount corresponding to the starting age according to the annuity. termination.

. Destiny guarantee:

(1) Annual payment before the start of the start: the insured person's annuity agreed on this contract, the company's died before the beginning, the company Payless returns have paid insurance premiums, and this contract is terminated.

(2) Annual payment starting day and later: If the insured person receives the beginning day and after the annuity agreed on this contract, if the annuity has been received 110 %, the company pays the difference between the payment of the annuity and the annuity that has been received at 110 % of the paid insurance premiums, and the contract is terminated; if the sum of the annuity is equal to or exceed the 110 % of the insurance premiums, the company will no longer pay the payment. Destry insurance, this contract is terminated.

The dividend allocation

The dividend distribution from the period from the effective date of this contract to the beginning of the annuity collection date. During the dividend distribution period and this contract is still valid, the company determines the dividend distribution plan according to the business operating conditions of dividend insurance each year. If the company determines that the contract is distributed by the dividend, the bonus is distributed to the insured for the corresponding date of the each year's effective date. When insured, the policyholder can choose any of the following dividends:

. Cumulative prosperity

The cumulative interest rate announced by the company each year is accumulated in accordance with the compound interest, and it is paid when the contract is terminated or the insurer applies. When dying payments, contract cancellation, and reduction of the amount, the payment accumulates to the cumulative dividend of the corresponding date of the previous contract effective date.

. Increased increase (this method is not applicable to the insured person required by the company to increase or underwritten)

Age, based on the dividend of the year as a one -time payment insurance premium, the purchase and payment of the incremental insurance is purchased. The incremental increase part is not participated in dividends.

If the insured person does not select the dividend collection method when insured, the company will handle it according to the accumulation. The insured can apply for a way to change the dividend collection, and it will take effect after reviewing the company's audit and comments on the insurance policy. The change of the dividend collection method does not affect the dividends that have been allocated by the original collection method. For example, the original collection method is accumulating. After the dividend collection method is changed, the one -time payment accumulates the cumulative dividend of the corresponding date of the previous contract.

The insurance period

1. This contract has been effective since the company received the first insurance premium and agreed to underwrite. The company issued an insurance policy as an insurance certificate. The date of effective date of this contract is with the insurance period. Except for another agreement, the insurance liability of this contract starts from the effect of this contract.

. The insurance period of this contract is subject to the insurance policy.

. One of the following circumstances, this contract is terminated in real time:

(1) Insureders apply to the company to terminate the contract in accordance with the agreement within the validity period of this contract. When the company receives an application for the termination of the contract;

(2) The effectiveness of this contract is suspended due to other conditions listed on the terms, and the reinstatement is not processed as agreed;

( 3) The body of the insurer;

(4) The period expires during the insurance period of this contract;

If 6 annuity receipt amount and insurance premium

. The annuity collection standard for this contract see the annuity receipt amount.

. This contract has contributed, annual payment (3 years, 5 years, 10 years, or 20 years). The insurance premiums paid per share for this insurance are RMB 10,000, and the annual insurance premiums pay for a period of 1,000 yuan.

Ittechs to truthfully inform

Is when this contract is established, the company shall explain the content of this contract to the policyholder, and may apply for the application of the contract or apply for the effectiveness of this contract. When recovering, the insured and the insured are asked in writing in writing, and the insured and the insured should truthfully inform.

It the designated and changing of the beneficiary

. When the insured or the insurer set up this contract, one or number of people can be specified as a death insurance deposit. Beneficial. When the beneficiary is several people, the beneficiary order or benefit share should be determined. If the beneficiary shall not be determined, the beneficiary has the right to benefit at an equal share. The benefit method is that the insurance benefits under the name of the beneficiary of the beneficiary or the beneficiary of the beneficiary of the beneficiary or the beneficiary of the beneficiary are enjoyed by other beneficiaries in accordance with the agreed share.

. The insurer or insurer can change the beneficiary, but the company needs to notify the company in writing, which takes effect after the company commented on the insurance policy. When specified and changed the beneficiary, the insured must be written by the insured or the guardian of the insured. The company is not responsible for the dispute caused by the beneficiary's change.

. The beneficiary of the annuity is the insured himself. The company does not accept other specified or changes.

. The insurer and the beneficiary died in the same accident. If they cannot determine the order of the two, the beneficiaries are preferentially preceded by the insured person.

The notice of insurance accidents

The insured, insured or beneficiary should be written in writing or telephone within 7 days from the date of 7 days from the date of the insurance accident. Notify the company, otherwise the insured, the insurer, or the beneficiary shall bear the expenses such as the investigation and investigation that the company increases due to delay, except for delay caused by force majeure. If the evidence is lost or the nature of the accident or the nature of the accident, the company has the right to refuse to pay the insurance.

The application of the insurance deposit

. The application of various insurance benefits and dividends must be based on this contract insurance form and the last payment voucher, as well as the following certificates and materials (The cost of providing relevant certificates and information shall be borne by the applicant by themselves):

(1) Application of annuity:

1. The insured as the applicant fills in the insurance Gold payment application;

2. Certificate of identity of the insurer;

(2) Application of Destry Insurance:

1. Insurance payment application for the beneficiary of the died insurance premium as the applicant;

2. Destroyer insurance beneficiary identity certificate and household registration certificate;

3. Public security department, public hospital at or above the county level, or other medical institutions approved by the company Proof;

4. If the insured is declared death, the beneficiary must provide a death judgment issued by the people's court; R n
6. Other certificates and documents related to the determination of insurance accidents.

(3) Application of dividends:

1. Application for the dividend payment filled in by the insured as the applicant;

2. Insured insurance Human identity proof.

. If the insurer, the beneficiary, or the insurer entrust others to apply for insurance, and dividends, it must also provide information such as authorized attorney and the identity of the trustee.

. After the company received the insurance premium payment application and the above certificates, and the information, if there was no special agreement, fulfilling the payment of insurance money within 10 days after the company was approved and approved. For those who do not belong to insurance liability, the applicant will issue a notice of refusal to pay for the insurance.

. If the insurer survives after death, the insurance deposit shall be refunded in full 30 days after the insured life is returned. Essence

. The rights of the insured, the beneficiary, or the insurer have the right to pay for the company's request to pay insurance money and dividends, and they are eliminated from 5 years from the date of the insurance accident.

1 11 Package loan

In the accumulated cash value of the insurance policy during the validity period of this contract, after the insured applies in writing, after the company reviewed and agreed, the company approved and agreed. You can apply for a pledge loan. The loan amount does not exceed 80 % of the amount of cash value of the insurance policy when the loan is not exceeded. If it fails to repay the time limit, when the recovery of loans and interests, other arrears and interests reaches the cash value of insurance policies, this contract will be terminated.

The policy pledge loan must be filled in the policy of pledge loan and other related documents, and shall be processed with this contract insurance policy, the last payment voucher and the household registration certificate or identity certificate of the insured.

Them reduction of the amount of reduction

The insurance form accumulate cash value during the validity period of this contract, and the cash value is not lower than the minimum amount prescribed by the company at that time at that time In the case, the insurer may submit a written application. After the company's review and consent, the contract will be changed to the reduction of the insurance.

During the amount reduction of the amount, the balance of the insurance policy cash value is deducted from various arrears and interest as a one -time payment insurance premium to change the contract conditions at that time and reduce the annuity receipt of this contract. Amount.

Is when this contract is changed to reducing the insurance, if there is a bonus and their interest, the company will pay the insured at one time. After changing the insurance reduction insurance, the contract does not participate in the dividend distribution.

The insurer for the insurer who requires the increase in fees or special insurements of the company, and the insured shall not apply for the amount of insurance reduction.

It the suspension of the payment, width limit and contract validity of insurance premiums

The day before. The insured should pay the insurance premiums in the method listed in the insurance form. If you pay overdue, pay interest. If the installment insurance premiums have not paid after the first period of the first phase, it is 60 days from the date of payment on the day on the day. Insurance accidents that occur within a wide limit period, the company is still liability for insurance, but it should deduct the owed insurance premiums and interests from the paid insurance premiums. If the insured has not paid the insurance premiums over time, the effectiveness of this contract will be suspended from the expiry of the expiration period.

This does not participate in the dividend distribution during the performance of this contract. If the dividend distribution method is accumulated, the dividend distribution method will not be calculated.

The restoration of the validity of the contract

Those who apply for recovery of the contract within 2 years when the effectiveness of this contract is suspended, and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall shall be filled in and the re -efficiency application shall shall be filled in and the re -efficiency application shall shall According to the company's request to provide the insured health statement or the medical examination report issued by the company's designated medical institution, with the review and consent of the company, the two parties reached a re -efficiency agreement to pay the insurance premiums and their interest on the next day. At the beginning, the effectiveness of the contract is restored.

The parties from the two parties from 2 years from the date of the contract validity, and the contract will be terminated automatically. If the insured has not paid the insurance fee or the contract for less than 2 years, the company will refund the insurance premium from the insured after deducting the handling fee. The company refund the cash value of the insurance policy from the insured.

The age determination and error treatment

The age of the insured person is calculated at the age of age. When applying for insurance, the insured should fill in the real age of the insurer on the insurance form. The real age of people does not meet the age limit stipulated in this contract. The company can terminate the contract and refund the insurance premium from the insured after deducting the handling fee, except for more than 2 years from the date of the establishment of this contract;
n n n n n n n n n n n R n. The insured person who declares the age is unreal. The company has the right to correct the appropriate annuity receipt time and amount of the insured in accordance with the actual age of the insured, and pay according to the annuity receipt time and the amount of receipt of the annuity. Annules. The company has paid more annuity than the annuity payable, and the company has the right to deduct the amount of more payments and their interest from the future annuity payment or request the insured to refund it; The company will pay the insured one at one time (without interest). If the insurer applied for the old age is not true, and the period of payment may exceed the starting date of the annuity, the company has the right to request the insured to change the payment method.

. The old age of the insurer that the declaration of the declaration is unreal, which causes the annual assigned insurance bonus and accumulated interest to be inconsistent with the actual interest. The company has the right to adjust according to the actual age of the insured. If the insured person's age is not true, the dividend distribution is insufficient, and the company will not give any compensation; if the bonus that is actually allocated exceeds the dividends that should be distributed according to their true age, the company has the right to recover the excess bonus.

The deduction of insurance premiums and non -repayment

The company in the company is paying for various insurances, bonuses, refund insurance policies cash value or deducting handling fees When the insurance premiums are refunded, if the insured has owed insurance premiums or other funds, the company has the right to deduct the above payments and interest before handling the payment or retirement and refund procedures.

The address of the address is changed

Is when the insured's residence or communication address is changed, the company shall be notified in writing in a timely manner. If the insured does not notify in writing, the company will send relevant notices in accordance with the contract or address address in accordance with this contract, and will not bear the liability for any losses caused by it.

The content changes of the contract

During the validity period of this contract, the insured person and the company can change the relevant content of this contract. When changing, the company shall announcing or attached a approval order on the insurance policy, or a written agreement. The change part of the contract takes effect from the company's annotations, attached post batch orders, or setting a written agreement on the insurance policy.

It the processing of the insured person to terminate the contract

The insured person may request the termination of this contract in writing after the establishment of this contract.

. If the insured person is required to terminate the contract within 10 days from the date of signing the insurance policy, the contract will be terminated since the company received the application of the contract. The company deducts the insurance single -employment fee of RMB 10 for the payment of the insurance fee. Those who have arranged by the company must deduct the medical examination fee paid by the company first.

. If the insured person is required to terminate the contract 10 days from the date of signing the insurance policy, the contract will be terminated since the company receives the application of the contract. After the company's required information is required to be deducted within 30 days, the insurance premium is refunded or the insurance bill cash value shall be refunded in accordance with the contract: If the insured has not paid the insurance fee for 2 years or the contract is effective for less than 2 years, the company is in After deducting the handling fee, the insurance premium will be refunded to the insurer; if the insured pays for more than 2 years and the contract will take effect for 2 years, the company will refund the cash value of the insurance policy to the policyholder.

. The annuity will not be approved after the start of the annuity.

. When the insured requests the termination of the contract, the application for the termination of the contract shall be filled in. rnrn　　第二十条争议处理rnrn　　合同争议解决方式由本公司和投保人在合同中约定从下列两种方式中选择一种：rn
. Due to the dispute between this contract, if the parties negotiate, and the negotiation fails, the arbitration committee provides arbitration of the arbitration committee agreed in this contract, and the arbitration committee's effective arbitration rules at that time;

two two Due to the dispute between the performance of this contract, if the parties negotiate and resolve, the negotiation fails, the people's court issued to the people's court of the policy in accordance with the law.

The disputes caused by this contract or any dispute related to this contract are applicable to the law of the People's Republic of China.

The interpretation of Article 21

. The age of the birth date recorded in the legal identity document is the standard calculated (less than one year).

. Interest: The interest involved in the accumulation of dividends is calculated according to the accumulated interest rate announced by the company each year. During the same interest rate period of the dividend (the period of the effective date of the effective date of the contract to the next day is between the day before the day before), if the company changes the bonus accumulation interest rate, the contract is still applicable during the interest rate period. Change the cumulative interest rate of the dividends before. In addition to the cumulative interest rate of dividends, the interest listed in this contract is calculated according to the company's annual one -year liquidity loan's legal interest rate with reference to the corresponding fluctuation rate, and reports the interest rate to the regulatory agency.

3. Corresponding date of the effective date of the contract: refers to the annual corresponding date indicated by the company when issuing the insurance form. If the effective date of the contract is February 29th, the corresponding date of the following year and the following contract is February 28th and February 29th of the leap year.

. Fees: Refers to the costs and total operating expenses and commissions that the insurance liability that this contract has assumed and the average operating expenses and commissions that each insurance contract. Its amount is the balance after the total amount of insurance premiums are paid by the insurance premium.

5. Insurance cash value: see the corresponding column of the insurance policy.

1 thought on “tory burch jewelry bulk pallets wholesale Pacific Well -off House Fukuki Shouyan's Terms”

Dawn
November 27, 2022 at 5:11 am

wholesale jewelry business for sale China Pacific Life Insurance Co., Ltd.

Thekang House · Fushou Yannian annuity insurance Terms (dividend type) clause

The composition of the first insurance contract

The insurance contract (hereinafter referred to as "this contract") by the insurance form and other insurance vouchers and the terms attached, cash value table, insurance form, etc. , Repeated application forms, comments, attached post batch orders, and other related written agreements.

It the scope of insurance

The insurance age of the insured person accepted by this contract is 0 to 17 years old.

Article 3 Insurance liability

During the validity period of this contract, the company's insurance liability for the insured :

Mu annuity receipt of this contract can be the insured 35, 40, 45, 50, 55, or 60 years old. Five types of payment, annual increase, monthly increase payment and one -time payment are selected by the insured person when insured. The annuity receiving start date is the corresponding date of the contract effective date for the insured to receive the starting age selected by the contract.

This selected by the insured person to receive the starting age and the method of receiving the method can be applied to the company for changes according to the actual payment year before the annual payment of the annuity. The company agrees to change the change. After annotating or attached to the insurance policy, after the change of the starting age and receiving method after the change. The insured applying for changes to receive the starting age or obtaining method is only once.

The method of annuity payment is as follows:

(1) Payment by annual aimedies: from the start date stipulated in the contract stipulated in this contract to the 99 -year -old contract of the insured takes effect Over the day of the day, if the insured is still survive, the company pays the annuity to it according to the corresponding payment amount each year.

(2) Monthly paid for monthly standard: From the beginning date stipulated in the contract stipulated in this contract to the first month before the insured's 100 -year -old contract takes effect date, if the insurer will still be To survive, the company pays the annuity according to the corresponding payment amount.

(3) Increase payment by annual increase: From the beginning date stipulated in the contract stipulated in this contract to the effective date of the contract effective date of the insured 99 years old. The company will give the annuity every year according to the following agreed on the first five years starting from the beginning of the year. 10%of the annual payment amount (the annual payment amount of the year is equal to each 5 years; the payment amount is based on the total payment of the insurance form, and the four houses are reserved to the yuan).

(4) Monthly increased payment: From the beginning of the annuity receipt of the contract stipulated in this contract to the first month before the insured's 100 -year -old contract takes effect date, if the insured still still To survive, the company will give the annuity every month according to the following agreed: the first five years starting from the beginning of the annuity, the company pays the annuity at the corresponding first -term monthly payment amount, and the monthly payment amount is performed every 5 years at the end of the full 5 years. The last 5 -year monthly payment amount increased (the monthly payment amount during each 5 years was equal; the payment amount was based on the total payment of the insurance form, and the four houses were reserved to the yuan).

(5) One -time payment: The insured survives the annuity receipt of the annuity stipulated in this contract, and the company will receive the annuity of the amount corresponding to the starting age according to the annuity. termination.

. Destiny guarantee:

(1) Annual payment before the start of the start: the insured person's annuity agreed on this contract, the company's died before the beginning, the company Payless returns have paid insurance premiums, and this contract is terminated.

(2) Annual payment starting day and later: If the insured person receives the beginning day and after the annuity agreed on this contract, if the annuity has been received 110 %, the company pays the difference between the payment of the annuity and the annuity that has been received at 110 % of the paid insurance premiums, and the contract is terminated; if the sum of the annuity is equal to or exceed the 110 % of the insurance premiums, the company will no longer pay the payment. Destry insurance, this contract is terminated.

The dividend allocation

The dividend distribution from the period from the effective date of this contract to the beginning of the annuity collection date. During the dividend distribution period and this contract is still valid, the company determines the dividend distribution plan according to the business operating conditions of dividend insurance each year. If the company determines that the contract is distributed by the dividend, the bonus is distributed to the insured for the corresponding date of the each year's effective date. When insured, the policyholder can choose any of the following dividends:

. Cumulative prosperity

The cumulative interest rate announced by the company each year is accumulated in accordance with the compound interest, and it is paid when the contract is terminated or the insurer applies. When dying payments, contract cancellation, and reduction of the amount, the payment accumulates to the cumulative dividend of the corresponding date of the previous contract effective date.

. Increased increase (this method is not applicable to the insured person required by the company to increase or underwritten)

Age, based on the dividend of the year as a one -time payment insurance premium, the purchase and payment of the incremental insurance is purchased. The incremental increase part is not participated in dividends.

If the insured person does not select the dividend collection method when insured, the company will handle it according to the accumulation. The insured can apply for a way to change the dividend collection, and it will take effect after reviewing the company's audit and comments on the insurance policy. The change of the dividend collection method does not affect the dividends that have been allocated by the original collection method. For example, the original collection method is accumulating. After the dividend collection method is changed, the one -time payment accumulates the cumulative dividend of the corresponding date of the previous contract.

The insurance period

1. This contract has been effective since the company received the first insurance premium and agreed to underwrite. The company issued an insurance policy as an insurance certificate. The date of effective date of this contract is with the insurance period. Except for another agreement, the insurance liability of this contract starts from the effect of this contract.

. The insurance period of this contract is subject to the insurance policy.

. One of the following circumstances, this contract is terminated in real time:

(1) Insureders apply to the company to terminate the contract in accordance with the agreement within the validity period of this contract. When the company receives an application for the termination of the contract;

(2) The effectiveness of this contract is suspended due to other conditions listed on the terms, and the reinstatement is not processed as agreed;

( 3) The body of the insurer;

(4) The period expires during the insurance period of this contract;

If 6 annuity receipt amount and insurance premium

. The annuity collection standard for this contract see the annuity receipt amount.

. This contract has contributed, annual payment (3 years, 5 years, 10 years, or 20 years). The insurance premiums paid per share for this insurance are RMB 10,000, and the annual insurance premiums pay for a period of 1,000 yuan.

Ittechs to truthfully inform

Is when this contract is established, the company shall explain the content of this contract to the policyholder, and may apply for the application of the contract or apply for the effectiveness of this contract. When recovering, the insured and the insured are asked in writing in writing, and the insured and the insured should truthfully inform.

It the designated and changing of the beneficiary

. When the insured or the insurer set up this contract, one or number of people can be specified as a death insurance deposit. Beneficial. When the beneficiary is several people, the beneficiary order or benefit share should be determined. If the beneficiary shall not be determined, the beneficiary has the right to benefit at an equal share. The benefit method is that the insurance benefits under the name of the beneficiary of the beneficiary or the beneficiary of the beneficiary of the beneficiary or the beneficiary of the beneficiary are enjoyed by other beneficiaries in accordance with the agreed share.

. The insurer or insurer can change the beneficiary, but the company needs to notify the company in writing, which takes effect after the company commented on the insurance policy. When specified and changed the beneficiary, the insured must be written by the insured or the guardian of the insured. The company is not responsible for the dispute caused by the beneficiary's change.

. The beneficiary of the annuity is the insured himself. The company does not accept other specified or changes.

. The insurer and the beneficiary died in the same accident. If they cannot determine the order of the two, the beneficiaries are preferentially preceded by the insured person.

The notice of insurance accidents

The insured, insured or beneficiary should be written in writing or telephone within 7 days from the date of 7 days from the date of the insurance accident. Notify the company, otherwise the insured, the insurer, or the beneficiary shall bear the expenses such as the investigation and investigation that the company increases due to delay, except for delay caused by force majeure. If the evidence is lost or the nature of the accident or the nature of the accident, the company has the right to refuse to pay the insurance.

The application of the insurance deposit

. The application of various insurance benefits and dividends must be based on this contract insurance form and the last payment voucher, as well as the following certificates and materials (The cost of providing relevant certificates and information shall be borne by the applicant by themselves):

(1) Application of annuity:

1. The insured as the applicant fills in the insurance Gold payment application;

2. Certificate of identity of the insurer;

.

(2) Application of Destry Insurance:

1. Insurance payment application for the beneficiary of the died insurance premium as the applicant;

2. Destroyer insurance beneficiary identity certificate and household registration certificate;

3. Public security department, public hospital at or above the county level, or other medical institutions approved by the company Proof;

4. If the insured is declared death, the beneficiary must provide a death judgment issued by the people's court; R n
6. Other certificates and documents related to the determination of insurance accidents.

(3) Application of dividends:

1. Application for the dividend payment filled in by the insured as the applicant;

2. Insured insurance Human identity proof.

. If the insurer, the beneficiary, or the insurer entrust others to apply for insurance, and dividends, it must also provide information such as authorized attorney and the identity of the trustee.

. After the company received the insurance premium payment application and the above certificates, and the information, if there was no special agreement, fulfilling the payment of insurance money within 10 days after the company was approved and approved. For those who do not belong to insurance liability, the applicant will issue a notice of refusal to pay for the insurance.

. If the insurer survives after death, the insurance deposit shall be refunded in full 30 days after the insured life is returned. Essence

. The rights of the insured, the beneficiary, or the insurer have the right to pay for the company's request to pay insurance money and dividends, and they are eliminated from 5 years from the date of the insurance accident.

1 11 Package loan

In the accumulated cash value of the insurance policy during the validity period of this contract, after the insured applies in writing, after the company reviewed and agreed, the company approved and agreed. You can apply for a pledge loan. The loan amount does not exceed 80 % of the amount of cash value of the insurance policy when the loan is not exceeded. If it fails to repay the time limit, when the recovery of loans and interests, other arrears and interests reaches the cash value of insurance policies, this contract will be terminated.

The policy pledge loan must be filled in the policy of pledge loan and other related documents, and shall be processed with this contract insurance policy, the last payment voucher and the household registration certificate or identity certificate of the insured.

Them reduction of the amount of reduction

The insurance form accumulate cash value during the validity period of this contract, and the cash value is not lower than the minimum amount prescribed by the company at that time at that time In the case, the insurer may submit a written application. After the company's review and consent, the contract will be changed to the reduction of the insurance.

During the amount reduction of the amount, the balance of the insurance policy cash value is deducted from various arrears and interest as a one -time payment insurance premium to change the contract conditions at that time and reduce the annuity receipt of this contract. Amount.

Is when this contract is changed to reducing the insurance, if there is a bonus and their interest, the company will pay the insured at one time. After changing the insurance reduction insurance, the contract does not participate in the dividend distribution.

The insurer for the insurer who requires the increase in fees or special insurements of the company, and the insured shall not apply for the amount of insurance reduction.

It the suspension of the payment, width limit and contract validity of insurance premiums

The day before. The insured should pay the insurance premiums in the method listed in the insurance form. If you pay overdue, pay interest. If the installment insurance premiums have not paid after the first period of the first phase, it is 60 days from the date of payment on the day on the day. Insurance accidents that occur within a wide limit period, the company is still liability for insurance, but it should deduct the owed insurance premiums and interests from the paid insurance premiums. If the insured has not paid the insurance premiums over time, the effectiveness of this contract will be suspended from the expiry of the expiration period.

This does not participate in the dividend distribution during the performance of this contract. If the dividend distribution method is accumulated, the dividend distribution method will not be calculated.

The restoration of the validity of the contract

Those who apply for recovery of the contract within 2 years when the effectiveness of this contract is suspended, and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall be filled in and the re -efficiency application shall shall be filled in and the re -efficiency application shall shall be filled in and the re -efficiency application shall shall According to the company's request to provide the insured health statement or the medical examination report issued by the company's designated medical institution, with the review and consent of the company, the two parties reached a re -efficiency agreement to pay the insurance premiums and their interest on the next day. At the beginning, the effectiveness of the contract is restored.

The parties from the two parties from 2 years from the date of the contract validity, and the contract will be terminated automatically. If the insured has not paid the insurance fee or the contract for less than 2 years, the company will refund the insurance premium from the insured after deducting the handling fee. The company refund the cash value of the insurance policy from the insured.

The age determination and error treatment

The age of the insured person is calculated at the age of age. When applying for insurance, the insured should fill in the real age of the insurer on the insurance form. The real age of people does not meet the age limit stipulated in this contract. The company can terminate the contract and refund the insurance premium from the insured after deducting the handling fee, except for more than 2 years from the date of the establishment of this contract;
n n n n n n n n n n n R n. The insured person who declares the age is unreal. The company has the right to correct the appropriate annuity receipt time and amount of the insured in accordance with the actual age of the insured, and pay according to the annuity receipt time and the amount of receipt of the annuity. Annules. The company has paid more annuity than the annuity payable, and the company has the right to deduct the amount of more payments and their interest from the future annuity payment or request the insured to refund it; The company will pay the insured one at one time (without interest). If the insurer applied for the old age is not true, and the period of payment may exceed the starting date of the annuity, the company has the right to request the insured to change the payment method.

. The old age of the insurer that the declaration of the declaration is unreal, which causes the annual assigned insurance bonus and accumulated interest to be inconsistent with the actual interest. The company has the right to adjust according to the actual age of the insured. If the insured person's age is not true, the dividend distribution is insufficient, and the company will not give any compensation; if the bonus that is actually allocated exceeds the dividends that should be distributed according to their true age, the company has the right to recover the excess bonus.

The deduction of insurance premiums and non -repayment

The company in the company is paying for various insurances, bonuses, refund insurance policies cash value or deducting handling fees When the insurance premiums are refunded, if the insured has owed insurance premiums or other funds, the company has the right to deduct the above payments and interest before handling the payment or retirement and refund procedures.

The address of the address is changed

Is when the insured's residence or communication address is changed, the company shall be notified in writing in a timely manner. If the insured does not notify in writing, the company will send relevant notices in accordance with the contract or address address in accordance with this contract, and will not bear the liability for any losses caused by it.

The content changes of the contract

During the validity period of this contract, the insured person and the company can change the relevant content of this contract. When changing, the company shall announcing or attached a approval order on the insurance policy, or a written agreement. The change part of the contract takes effect from the company's annotations, attached post batch orders, or setting a written agreement on the insurance policy.

It the processing of the insured person to terminate the contract

The insured person may request the termination of this contract in writing after the establishment of this contract.

. If the insured person is required to terminate the contract within 10 days from the date of signing the insurance policy, the contract will be terminated since the company received the application of the contract. The company deducts the insurance single -employment fee of RMB 10 for the payment of the insurance fee. Those who have arranged by the company must deduct the medical examination fee paid by the company first.

. If the insured person is required to terminate the contract 10 days from the date of signing the insurance policy, the contract will be terminated since the company receives the application of the contract. After the company's required information is required to be deducted within 30 days, the insurance premium is refunded or the insurance bill cash value shall be refunded in accordance with the contract: If the insured has not paid the insurance fee for 2 years or the contract is effective for less than 2 years, the company is in After deducting the handling fee, the insurance premium will be refunded to the insurer; if the insured pays for more than 2 years and the contract will take effect for 2 years, the company will refund the cash value of the insurance policy to the policyholder.

. The annuity will not be approved after the start of the annuity.

. When the insured requests the termination of the contract, the application for the termination of the contract shall be filled in. rnrn　　第二十条争议处理rnrn　　合同争议解决方式由本公司和投保人在合同中约定从下列两种方式中选择一种：rn
. Due to the dispute between this contract, if the parties negotiate, and the negotiation fails, the arbitration committee provides arbitration of the arbitration committee agreed in this contract, and the arbitration committee's effective arbitration rules at that time;

two two Due to the dispute between the performance of this contract, if the parties negotiate and resolve, the negotiation fails, the people's court issued to the people's court of the policy in accordance with the law.

The disputes caused by this contract or any dispute related to this contract are applicable to the law of the People's Republic of China.

The interpretation of Article 21

. The age of the birth date recorded in the legal identity document is the standard calculated (less than one year).

. Interest: The interest involved in the accumulation of dividends is calculated according to the accumulated interest rate announced by the company each year. During the same interest rate period of the dividend (the period of the effective date of the effective date of the contract to the next day is between the day before the day before), if the company changes the bonus accumulation interest rate, the contract is still applicable during the interest rate period. Change the cumulative interest rate of the dividends before. In addition to the cumulative interest rate of dividends, the interest listed in this contract is calculated according to the company's annual one -year liquidity loan's legal interest rate with reference to the corresponding fluctuation rate, and reports the interest rate to the regulatory agency.

3. Corresponding date of the effective date of the contract: refers to the annual corresponding date indicated by the company when issuing the insurance form. If the effective date of the contract is February 29th, the corresponding date of the following year and the following contract is February 28th and February 29th of the leap year.

. Fees: Refers to the costs and total operating expenses and commissions that the insurance liability that this contract has assumed and the average operating expenses and commissions that each insurance contract. Its amount is the balance after the total amount of insurance premiums are paid by the insurance premium.

5. Insurance cash value: see the corresponding column of the insurance policy.

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