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Jinduoli Life Insurance (Universal)

Longevity Life Insurance Products

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  • Basic Information

Insurance company Longevity life Use gender Unlimited
Term Insurance 100 years old Annual payment period

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Minimum contribution amount 1000 RMB Supplementary explanation of payment method --
Insurance management fee 5 yuan / month Policy loan no
Loan ratio - Surrender fee 10.0% in the first year
Use area

Beijing, Jiangsu, Jiangsu Province, Zhejiang Province

Insurance category definition

Refers to life insurance products that include insurance coverage and have a certain asset value in at least one investment account. In addition to the same life insurance as the traditional life insurance, the universal insurance can also allow the customer to directly participate in the investment activities of the funds in the investment account established by the insurance company for the insured, and the insured investment account with the value of the policy and the insurance company operating independently. Linking the performance of funds

  • feature of product

  • Insurance example

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  • Insurance duty

  • Liability exemption

If the insured person dies within the validity period of this contract, we will pay the death benefit according to the insurance amount of this contract at the time of death. This contract is terminated. Accidental extra insurance premiums During the term of this contract, if the insured has suffered an accident on the first anniversary of the first insurance policy after the age of 18, the accident will be taken within 180 days from the date of the accident. An accident is caused by a direct and separate cause, and 1. The accident occurred before the first insurance policy anniversary date after the insured person reached the age of 70, then we paid the accidental death for the additional basic insurance amount. Insurance premiums; 2. The accident occurred on the first anniversary of the insured's first insurance policy after the age of 70, and then we paid an additional accidental insurance premium of 5 percent of the basic insurance amount. If the contract is valid and the insured survives to the first anniversary of the insurance policy after the age of 100, we will pay the maturity insurance premium at the value of the current policy account, and the contract will be terminated.

                    1. The insured person dies due to one of the following circumstances: We are not responsible for the payment of the death benefit:
1. The insured person’s intentional killing or intentional injury to the insured;
2. The insured intentionally commits a crime or resists criminal enforcement measures taken according to law;
3. The insured actively takes drugs or injects drugs;
4. The insured commits suicide within two years from the date of establishment of the contract or two years after the last reinstatement of the contract, except when the insured commits suicide as a person without civil capacity;
5. The insured drunk driving, driving without a valid driving license, or driving a motor vehicle without a valid driving license;
6. War, military conflict, riot or armed rebellion;
7. Nuclear explosion, nuclear radiation or nuclear pollution.
In the event that the above first case causes the insured to die, the contract is terminated and we return the cash value of the contract to the beneficiary who has the right.
In the event that the above-mentioned other circumstances lead to the death of the insured, the contract is terminated and we refund the cash value of this contract to you.
2. The insured person accidentally died due to one of the following circumstances: We are not responsible for the additional insurance premium for the accidental death:
1. The insured person’s intentional killing or intentional injury to the insured;
2. The insured is drunk, fighting, deliberately self-injured, deliberately committing a crime or resisting criminal enforcement measures taken according to law;
3. The insured actively takes drugs or injects drugs;
4. The insured commits suicide within two years from the date of establishment of the contract or two years after the last reinstatement of the contract, except when the insured commits suicide as a person without civil capacity;
5. The insured drunk driving, driving without a valid driving license, or driving a motor vehicle without a valid driving license;
6. War, military conflict, riot or armed rebellion;
7. Nuclear explosion, nuclear radiation or nuclear pollution;
8. The insured suffers from mental illness;
9. Injuries caused by illness, pregnancy, miscarriage, childbirth, drug allergy, food poisoning, cosmetic surgery or other medical treatment;
10. The insured did not follow the doctor's advice, taking, applying, injecting drugs or using controlled drugs;
11. The insured performs diving, water skiing, skiing, skating, hang gliding, skydiving, rock climbing or adventure activities;
12. The insured performs wrestling, judo, karate, taekwondo, boxing and other sports;
13. Insureds engage in high-risk activities such as horse racing, racing, driving karts or stunts
14. The insured is engaged in high-risk occupations.