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China Life Fulu enjoys two full insurance (dividend type)

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  • Basic Information

Insurance company China Life Insurance Use gender Unlimited
Term Insurance Annual payment period

3 years/5 years/10 years

Minimum contribution amount - Supplementary explanation of payment method --
Insurance management fee - Policy loan no
Loan ratio - Surrender fee -
Use area

China Mainland

Insurance category definition

After the end of each fiscal year, the insurance company will assign a life insurance of the dividends of such dividends in the previous fiscal year to a customer in a certain proportion, in the form of cash dividends or value-added dividends.

  • feature of product

  • Insurance example

                    Longevity is a lifetime benefit of gold
Asset preservation highlights quality
Life protection worth
High return to enjoy a lifetime


Insurance coverage
Anyone who is born for more than 30 days and under 60 years of age can be used as an insured person.

Payment period
The premium payment period is divided into three years, five years and ten years. The policyholder chooses when insured.

insure period
From the effective date of the contract to the date of termination of the contract

Mr. Wang, a 30-year-old successful man, the chairman of the company, chose to insure Fulu to enjoy the two insurances. He chose to pay for 5 years, the annual insurance premium was 600,000 yuan, and the basic insurance amount was 1,110,180 yuan. Obtain the following benefits:
Survival insurance
From the effective date of the contract, the insured will survive to the corresponding effective date of the two annual policy years, and the survival insurance premium of 111,018 yuan will be paid for 10% of the basic insurance amount until the end of life.
Death insurance
The insured died during the insurance period, and the company paid the death benefit according to the insurance premium (excluding interest) paid by the contract at the time of the insured's death.

  • Insurance duty

  • Liability exemption

First, survival insurance
From the effective date of this contract, the insured will survive to the corresponding effective date of the two annual policy years, the company according to the basic
10% of the insurance amount is paid for survival insurance.
Second, death insurance
The insured died during the insurance period, and the company paid the death benefit according to the death insurance amount, and the contract was terminated.

                    The company does not bear the responsibility for paying the insurance premium due to the death of the insured due to one of the following circumstances:
One. Insured person’s intentional killing of the insured, intentional injury;
two. The insured intentionally commits a crime or resists criminal enforcement measures taken in accordance with the law;
three. The insured commits suicide within two 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;
four. Insured, taking or injecting drugs;
Fives. The insured drunk driving, driving without a valid driving license or driving a motor vehicle without a valid driving license;
six. The insured is ill due to illness within 180 days from the date of reinstatement of the contract;
Seven. War, military conflict, riot or armed rebellion;
Eight. Nuclear explosion, nuclear radiation or nuclear pollution.
No matter what happens above, the insured's death, the contract is terminated, the company refunds the cash value of the contract to the insured, but if the insured intentionally kills or injures the insured causing the insured to die, the company will refund The cash value of the contract is treated as the insured's estate.