Article 1: Product Features of Model Insurance Plan
1, short payment period
Payment 10 year, guaranteed for 20 years. After ten years, you will be guaranteed, enjoy the same protection and income, save easily, have no burden, and enjoy the income for 20 years;
2. Comprehensive guarantee
Accident: integrating accident, death, burn and disability.
Ordinary accidents are paid according to the insured amount.
Public transportation (cars, ships, etc.). ) will be paid in two installments.
Aviation accident (aircraft) 3 times compensation
Hospitalization allowance; As long as you stay in hospital, you get an allowance.
Major diseases: as long as the diagnosis is confirmed, the claim will be settled.
3, the cost is not high
Telephone sales of exclusive products, from the company directly to consumers, saves agents and consignment agencies, and has low cost;
The insurance procedure is simple.
Vip service and insurance can be completed by telephone, which is convenient and quick, saving customers' time and energy.
5. Various forms of payment
Provide you with monthly payment and annual payment, which is convenient and flexible for you to choose. There is no economic pressure on the monthly payment method.
6. Various forms of payment
Provide you with monthly payment and annual payment, which is convenient and flexible for you to choose. There is no economic pressure on the monthly payment method.
Safeguard interests
yield
After the expiration of the contract, there are three sums of money as income, regardless of whether the accident is settled or not;
1. Return the principal in full when due;
2. The fixed income of 10% due is promised to you by Taikang Life Insurance Company.
3. Enjoy the 20-year compound interest bonus, enjoy the operating results of Taikang professional investment team, pay dividends every year, and supplement the old-age care.
Convenient claim settlement
No invoice is needed, only hospitalization summary and medical records are provided, which does not conflict with commercial insurance such as social security, supports repeated claims, and claims are quick and effective.
social security
The next 20 years will be the most glorious period of life, with a high sense of personal security to ensure the happiness of the family, with
It is the family's love and responsibility to ensure the family's high-quality life. High-value guarantee makes your life taste different!
Give humanity
For unforeseen diseases and accidents, such as H 1N 1 influenza virus or earthquake, claims can be made as long as they are hospitalized, which embodies the humanization of Xiangyun Kangshun security plan.
Convenient insurance
No medical examination is required, as long as the body meets the insurance requirements. The so-called telemarketing means that all sales activities are done by telephone. When you are sure that you need to join this financial plan, we will print out a formal text contract and express it to you according to the personal information provided by you. You only need to confirm your signature.
Chapter II: Model Insurance Scheme In order to meet the growing insurance demand in the market, China Life has continuously introduced various insurance products, and the design of insurance schemes has attracted the attention of many consumers. Therefore, this paper puts forward a case of China life insurance plan for consumers' reference.
customer demand
Pay attention to the protection of the baby in serious illness and education. It can have money to spend when the baby gets married in high school and college, and it also has the function of protection, so that insurance can escort the baby's happy growth.
Insured information
0-year-old infant (male) with an average monthly income in 0 yuan, focusing on critical illness insurance, medical insurance, children's education fund and accident insurance.
Safeguard plan
Insurance portfolio
First, China Life Fuxing Children's Old-age Security (Dividend Type)
Plan advantages (6 copies insured, with the insured amount of 60,000 yuan; 3 copies for father and 3 copies for mother): low premium, high security, centralized return, premium exemption and growth insurance, dividends and policy loans.
Insured: baby; Gender: male; Age: 0 years old; Premium: 8724 yuan; Insurance amount: 60,000 yuan; Payment period: to 18 years old.
1, education fund: the insured can receive a college entrance examination fee of 48,000 yuan at the age of 18; When the insured reaches the age of 22, he can receive an entrepreneurial development fund of 48,000 yuan; When the insured reaches the age of 25, he can get 48,000 yuan for success. When the insured reaches the age of 30, he can get a marriage reserve of 36,000 yuan.
2. Death insurance: If the insured dies before the age of 18, the Company will pay death insurance (excluding interest) at the rate of 120% of the premium paid, and the contract will be terminated; If the insured dies after the age of 18, the Company will pay the death insurance money in one lump sum according to the sum of the unpaid survival insurance money and the due insurance money, and the contract will be terminated;
3. Growth insurance: If the insured dies before the age of 65,438+08, or has a high degree of physical disability, the company will pay 50% of the basic insurance amount every year from the date of risk occurrence, that is, 30,000 yuan, until the insured reaches the age of 65,438+08.
4. Insurance premium exemption: If the insured dies or has a high degree of physical disability during the payment period, the insurance premium in subsequent periods will be exempted and the policy will remain valid.
5. Dividend payment: The insured enjoys a dividend once a year, which can be collected in cash or accumulated with compound interest. Assuming a medium-level forecast, the accumulated dividend at the age of 30 is 75,204 yuan. Dividend to resist inflation, maintain and increase the value of funds, and stabilize income.
6. Policy loan: It is inevitable that life is unsatisfactory. If there is an urgent need for money, you can use the policy loan function to lend 80% of the cash value of the policy to solve the urgent need. The loan term does not affect any policy income.
II. China Life Kangning Regular Critical Illness Insurance (China Life Plus Kangning Old-age Security)
0-year-old, male, with the annual payment of 1 120+ 170 yuan, with the payment of 20 years, and the guarantee is 70 years old.
Features: low payment and great security. If there is no serious illness on the corresponding date of 70 years old in the contract, the principal will be returned.
Insurable interest
1. After the critical illness insurance contract came into effect 180 days later, the company paid 654.38 million yuan of critical illness insurance according to the basic insurance amount, and the contract was terminated when the major diseases (regardless of one or more diseases) referred to in this contract occurred for the first time and were diagnosed by specialists.
2. Death insurance premium If the insured dies, the Company will pay the insurance premium of 80,000 yuan according to the basic insurance amount, and the contract will be terminated.
3. Expired premium The insured can get 25,800 due premium on the effective date of the current year when he is 70 years old, and the contract is terminated.