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Jianxin Life Insurance Products

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  • Basic Information

Insurance company Jianxin Life Insurance Use gender Unlimited
Term Insurance 10 years Annual payment period

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Minimum contribution amount 5000 yuan Supplementary explanation of payment method
Insurance management fee - Policy loan no
Loan ratio - Surrender fee 10.0% in the first year
Use area

Shanghai, Jiangsu Province, Guangdong 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

General Death Payment = 1.06 times the value of the account at the time of the death: the payment of the value of the account: the end of the sixth year to the end of the tenth year, returning 1% of the premium paid at the end of each year into the personal account, such as in any policy If you receive part of the annual payment, you will not be paid the continuing bonus for the subsequent policy year; the public transportation accident will be dead and completely disabled: if the insured person takes public transportation as a passenger and a public transportation accident occurs, and the accident occurs. If the accident is caused by the accident within 180 days from the date of the accident, the company will pay the total amount of the public transportation accident insurance (in case the maximum payment amount is limited to 2 million yuan), and return the personal account value at the time of the total disability. The validity of this contract is terminated. If the insured person takes public transportation as a passenger and has a public transportation accident, and the death occurred due to the accident within 180 days from the date of the accident, the company pays the public transportation accident according to the insurance amount. Therefore, the insurance premium (but the maximum payment amount is limited to two million yuan), the death benefit mentioned in the first paragraph of this article is no longer paid, and only the personal account value at the time of death is returned, and the validity of this contract is terminated.

                    1. Intentional killing and intentional injury to the insured by 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 for those who have no civil capacity when the insured commits suicide;
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, riots, terrorist acts or armed rebellions;
7. Nuclear explosion, nuclear radiation or nuclear pollution;
8. The insured participates in the fight and the act of the insured self-injury;
9. If the insured is affected by alcohol or alcohol, drugs, controlled drugs, or fails to comply with the doctor's advice, the drug is used privately;
10. The insured is due to illness, miscarriage or childbirth, except for accidental injuries;
11. The insured person has caused a medical accident due to cosmetic surgery or other medical treatment;
12. Insured persons engaged in high-risk sports such as diving, skydiving, rock climbing, adventure activities, martial arts competitions, wrestling competitions, stunt performances, horse racing, racing, and flying;
13. The insured was declared dead by the court for missing reasons other than accidental injuries.
In the event that the above-mentioned first item causes the insured to die, the contract is terminated and the company refunds the cash value of the insurance policy 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 the company refunds the cash value of the insurance policy to the insured.