Whole life insurance, Yisheng Chang Ying of Haibao Life Insurance Company?

Whole life insurance's introduction to's life insurance Yisheng Chang Ying includes the age of insurance, the insurance period, the payment period, the growth ratio of the insurance amount, the liability of insurance amount and the exemption of liability, as follows:

1. Insurance age: 30 days after birth -75 years old;

2. Guarantee period: life;

3. Payment period: wholesale payment or installment payment is optional, that is, all premiums are paid in one lump sum or in three, five, 10 or 20 years;

4. Insurance guarantee growth ratio: 3.5%. That is, from the second policy year, the insured amount will increase with 3.5% compound interest every year, and its cash value will also increase with the increase of the insured amount;

5. Responsibility for protection: death or total disability insurance, namely:

(1) If the insured dies or is totally disabled before the age of 18, he can get the compensation of the greater of the premium paid and the cash value;

(2) If the insured dies or is totally disabled after the age of 18 and before the expiration of the payment period, he can get compensation from the greater of the premium paid * the payment ratio and the cash value;

(3) If the insured dies or is totally disabled after the age of 18, and the payment period expires, he can be compensated with the highest premium paid * payment ratio, cash value and effective insurance amount. Among them, the payment ratio is 18 -40 years old, 160%, 4 1 60 years old, 140%, 6 1 one year old and above,120%;

6. Exemption from liability:

The insurance company shall not be liable for the death or total disability of the insured due to one of the following circumstances:

(1) The insured intentionally kills or intentionally hurts the insured;

(2) The insured intentionally commits a crime or resists criminal compulsory measures taken according to law;

(3) The insured commits suicide within 2 years from the date of the establishment of this contract or the restoration of this contract, except that the insured commits suicide as a person without civil capacity;

(4) The insured smokes, smokes or injects drugs;

(5) The insured is drunk driving, driving without a valid driver's license or driving a motor vehicle without a valid driver's license;

(6) War, military conflict, riot or armed rebellion;

(7) Nuclear explosion, nuclear radiation or nuclear pollution.

If the insured dies due to the above reasons (1), the effectiveness of this contract will be terminated, and the insurance company will return the cash value at the time of termination of this contract to the heirs of the insured (except the insured himself);

In case of the above (1), the effectiveness of this contract will be terminated, and the insurance company will return the cash value of this contract to the insured when the effectiveness of this contract is terminated;

If the insured dies or is totally disabled due to the above other circumstances, the effectiveness of this contract will be terminated, and the insurance company will return the cash value of this contract to the insured upon the termination of this contract.