平安智胜人生终身寿险(万能型)的产品特点
, 双重保障 保额可变
, 利率保底 灵活理财
, 持续交费 奖励多多
, 缓期交费 灵活应变
, 保单账户 透明公开
平安智胜人生终身寿险(万能型)投保示例
说明:平安智胜人生万能+重疾保险计划可以提供多种形式的寿险和健康险保障。
李先生30岁,男性,投保平安智胜人生万能+重疾保险计划。
, 期交保险费6000元,连续交费20年,累计交费12万元;
, 投保时主险基本保险金额20万元,附加重疾基本保险金额15万元;
, 60周岁时主险基本保险金额降低为10万元,附加重疾基本保险金额降低为5万元。
, 假定结算利率处于中(4.5%/年)水平情况:
, 60岁的保单周年日,李先生的身故和重疾保险金约为27万元,到80岁的保单周年日身故和重疾保险金约为60万元。
, 假设保险期间结算利率分别处于低、中、高三种水平,所对应的年结算利率分别为1.75,(保证)、4.5,、6,,则保险期间的主要保单利益如下表(单位:人民币元):
General, party members Cheng Youhe as Deputy Secretary-General. "The village would" take mass organization, propaganda war, struggle with the local despotic landlord, pseudo-steward tasks. When in the enemy-occupied area farmers, all sorts of pressure, life is very difficult. In response to this situation, the Party held a meeting in Jin bang, decided to "village of" study and implement the liberated areas "25 rent" policy, held in
General, party members Cheng Youhe as Deputy Secretary-General. "The village would" take mass organization, propaganda war, struggle with the local despotic landlord, pseudo-steward tasks. When in the enemy-occupied area farmers, all sorts of pressure, life is very difficult. In response to this situation, the Party held a meeting in Jin bang, decided to "village of" study and implement the liberated areas "25 rent" policy, held in
, 重要提示:该利益演示是基于公司的精算及其他假设,不代表公司的历史经营业绩,也不代表对公司未来经营业绩的预期,最低保证利率之上的投资收益是不确定的,
实际保单账户利益可能低于中、高档利益演示水平。
, 注:
1. 表中进入万能保单账户的价值,期交保险费-初始费用+持续交费特别奖励;
2. 表中的保障成本、保单账户价值和保险金仅反映被保险人在
有效期内没有发生重大疾病赔付的情况;
3. 本保险的现金价值和保障成本,会随着被保险人的年龄、性别、健康状况、保险费金额、结算利率等不同而不同。本保险示例仅为帮助您理解条款所用,可能与您的
实际保险计划并不一致。我们可根据您具体的投保意向,为您量身制作保险建议书。。
一份多功能的保险计划
持续按时支付期交保险费,在时间与复利的积累下,您的保单账户价值就可以享受长期的稳健收益,为您提供多种形式的保障。
合理的保险费用,分配比例稳步增长
贴心的保单设计,长期持有,享受超值性价比,将越来越多的资金投入保单账户,实现稳健积累。
忠诚的生命守护神,遭遇重大疾病可及时获取保险金支援
这是您贴身的财务急救箱,重大疾病一经确诊即可获得及时的财务支援,让您轻松应对人生关键时期,尽享无忧人生。
General, party members Cheng Youhe as Deputy Secretary-General. "The village would" take mass organization, propaganda war, struggle with the local despotic landlord, pseudo-steward tasks. When in the enemy-occupied area farmers, all sorts of pressure, life is very difficult. In response to this situation, the Party held a meeting in Jin bang, decided to "village of" study and implement the liberated areas "25 rent" policy, held in