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Wealth Winner Life Insurance (Universal)

Metropolitan Life Insurance Products

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  • Basic Information

Insurance company Metropolitan Life Use gender Unlimited
Term Insurance lifelong Annual payment period

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Minimum contribution amount 20,000 yuan Supplementary explanation of payment method
Insurance management fee 5 yuan / month Policy loan no
Loan ratio - Surrender fee 9.0% in the first year
Use area

Beijing, Shanghai

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

                    Zero initial fee
Without deducting any initial fees, your wealth will grow faster and your returns will be higher.
Capital use, security and stability
We promise that your annual settlement interest rate will be 2.5%. If the actual settlement rate exceeds the guaranteed interest rate, the investment income will be owned by you and will not be capped.
Compound interest rollover interest rate
The settlement rate is announced monthly, and the personal income is compounded by the monthly compound interest, which accelerates the speed of wealth appreciation.
High security
If the insured person died of an accident, in addition to the value of the personal account, an additional protection of up to 5 million can be obtained.

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  • Insurance duty

  • Liability exemption

The insured shall have an accidental injury during the insurance period of this contract, and within 180 days (including the 180th day) from the date of the accident, the accident will result in death, we will press The death benefit is paid twice as much as the value of the policy account and the contract is terminated. If the insured causes death due to reasons other than accidental injury during the insurance period of this contract, we will pay the death benefit according to 100% of the value of the policy account, and the contract is terminated. We do not assume insurance liability after the termination of this contract or during the suspension of validity.

                    (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 commits suicide within 2 years from the date of the establishment of the contract or the restoration of the validity of the contract, except when the insured commits suicide as a person without civil capacity;
(4) The insured actively takes drugs or injects drugs;
(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-mentioned item 1 causes the insured to die, this contract is terminated and we return the cash value of this contract to other rights holders.
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.