1. Savings rebate
2. Survival benefits
3. Old-age security
4. Accumulate education funds
5. If the insured dies or is totally disabled, the remaining insurance premium will be exempted.
insured liability
1. Survival insurance
(1) The insured survives to 15 years old and pays the due insurance money;
(2) The insured survives to the age of 15, 16, 17, and pays the high school education fund;
(3) The insured survives to 18, 19, 20, 2 1 one year old, and pays a college degree;
(4) The insured survives to the age of 22 and pays the wedding money;
(5) When the insured reaches the pension age, he can receive the pension every month until his death and the insurance liability is terminated.
2. Death insurance
(1) If the insured dies unexpectedly from the effective date of the contract to before the age of 22, the insurance premium will be 6,000 yuan/copy, and the insurance liability will be terminated;
(2) The insured died of an accidental injury accident during the period of 22-25 years old, and the death insurance premium was 654,380,000 yuan/share, and the insurance liability was terminated.
3. Free of insurance premium
If the insured dies unexpectedly during the payment period, or dies of illness after 180 days from the effective date of the insurance policy, the remaining premium will be exempted and the insurance liability will continue to be effective.
The Company shall not be liable for the payment of insurance benefits when the insured is exempted from liability for death or disability due to the following circumstances:
1. War or military action;
2. The applicant or the insured conceals or deceives the insurance conditions;
Three, suicide, drug abuse, alcoholism, intentional self-harm or participation in illegal and criminal acts;
4. The insured died of illness;
5. Atomic radiation and nuclear explosions;
6. The insured suffers from AIDS, venereal diseases or the above diseases.
Life insurance period
One year after the policy loan contract comes into effect, with the consent of the company, the applicant can apply for a loan from the company with the policy.
Insured for more than one month-14 years old
The payment period is 15 years old MINUS the age of the insured at the time of insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.