Ruixiang Pension Insurance Clause

Article 1 constitution of insurance contract

This insurance contract (hereinafter referred to as the "contract") is made up of insurance policies or other insurance documents and the attached articles, insurance documents, other insurance documents related to the contract, statements, endorsement, application for reeffect, application for change, attached endorsement and other written agreements.

Second insurance coverage

I. the scope of the insured: those who are above sixteen years of age and under sixty-nine years of age, who are healthy and can work or work normally can be insured as the insured.

Two. The scope of the policyholder: the insured, the insured, or the written consent of the insured, the institution, the enterprise, the institution and the social organization can act as the policyholder, and will cover the insurance for the Xinhua Life Insurance Limited by Share Ltd (hereinafter referred to as the company).

The number of insured employees must be insured by more than 75%, and the number of insured persons should be no less than 8.

Third insurance liability

During the period of validity of this contract, the contract that the insured person lives to the agreed age shall be effective on the corresponding day.

First, a one-off pension is granted and the insured liability of the insured is terminated.

Two, pay the insured ten years of fixed annuity. If the insured person dies during the ten year fixed pension, the beneficiary can continue to receive the insurance until he has been fully insured for ten years, and the insurance liability of the insured shall be terminated. If the insured has been paid a fixed annuity for ten years, he will still be able to survive. He may continue to receive the pension according to the original way of collection until his death, and the insurance liability for the insured will be terminated.

If the insured has died before the date of collection, the company will refund the insured's cash value of the insurance policy, but fails to pay two years' premium, and the insurance premium will be refunded after deducting the commission fee.

If the insured has an insurance premium, the premium and interest should be deducted when the above amount is refunded.

The fourth insurance liability begins.

The insurance liability assumed by the company shall come into force on the next day after the company agrees to underwrite, charge the premiums and issue the insurance policy. The effective date is the effective date, and the effective date is the effective date corresponding to the annual and monthly corresponding days.

First, the payment period: from the effective date of the contract to the last payment date.

Two, the period of collection: from the date of the insurance policy, the effective age of the corresponding age from the time of the corresponding date to the end of the insurance liability.

The age of pensions for this insurance is divided into 50, 55, 60, 65 and 70 years old. The minimum age should be in line with the retirement age standard stipulated by the state.

The way of collection is divided into monthly and one-off collection.

Fifth insurance sum and insurance premium

The amount of the pensions in this contract is determined according to the insured's age of insurance, the way of payment, the amount of the payment, the age and the way of receiving, and the specific standards are detailed in the Ruixiang pension insurance rate table.

The mode of payment for the insurance premium of this contract may be selected as a wholesale (one handed) and a period of delivery (annual or monthly payment).

In the form of interim payment, the installment premium after the first installment shall be paid on the effective date of each period, as stipulated in the insurance policy.

The premiums payable by the insured per month shall not be less than 20 yuan, and the annual premium shall not be less than 200 yuan.

Sixth truthfully inform

In concluding this contract, the company shall clearly explain the terms and conditions of the contract to the applicant, and make written inquiries about the relevant conditions of the insured and the insured, and the insured and the insured shall truthfully inform them.

If the insured or the insured intentionally fails to fulfill the obligation of truthfully disclosure, the company shall have the right to terminate this contract, and shall not be liable for the insurance accident before the rescission of this contract, and shall not refund the premium.

If the insured or the insured fails to perform the duty of truthfully informing due to negligence, which is sufficient to affect the company's decision whether to agree to underwrite or raise the premium rate, the company has the right to terminate this contract. If there is a serious impact on the occurrence of the insurance accident, the company will not be liable to pay the insurance premium prior to the rescission of this contract, and the insurance premium will be refunded after deducting the commission fee.

Seventh designation and change of beneficiary

The insured or the insurer may designate one or more persons as beneficiaries. When the beneficiary is several, the beneficial order and the beneficial share shall be determined. The beneficiary sequence and share are not determined, and the beneficiaries shall enjoy the beneficial right according to the equal share.

The insured or the policyholder may change the beneficiary, but the company shall be notified in writing to the company.

When the applicant designate and change the beneficiary, the applicant must have the written consent of the insured.

Eighth application for insurance money

1. When applying for a pension, the insured or beneficiary will fill out the insurance application as applicant, and apply to the company for payment of annuity with the following evidence and information:

1, insurance policy and other insurance certificates;

2. Provide the latest insurance receipt for the first time.

3, the insured or beneficiary household registration certificate and identity certificate;

4, if the agent applies for a claim, the principal's power of attorney and the agent's identity certificate should be provided.

Two, the right of the insured or beneficiary to claim insurance payment from the company shall be eliminated within five years from the time when it knows or should know the occurrence of the insurance accident.

Ninth notice of death of the insured

The insured or the beneficiary should notify the company before the next date of receipt.

If the company fails to notify the company to pay more pensions, the company shall have the right to claim the pensioner to refund the pension and interest paid thereby.

Payment and grace period of tenth premiums and instalments premiums

After the first installment, the premium should be paid according to the form of payment stipulated in the insurance policy on the effective date of each period.

The sixty day after the effective date of the corresponding insurance policy is grace period.

In the event of an insurance accident within the grace period, the company assumes the insurance liability and deducts the premium and interest owed from the insurance premium paid.

The suspension of the eleventh contract effect

Unless otherwise stipulated in this contract, the insured has not yet paid the insurance premium within the grace period, and the contract shall cease to be effective from the next day when the contract is within full time limit.

The resumption of the twelfth contract effect

Within two years after the suspension of the validity of this contract, the applicant shall apply for the resumption of the contract, and the application shall be completed. After the company's examination and approval, the two parties will reach a reissue agreement, and the validity of the contract shall be resumed from the next day after the insurer's premium and interest are paid.

The company has the right to terminate the contract two years after the termination of the validity of the contract.

If the insured has paid more than two years' premium, the company will refund the cash value of the insurance policy in accordance with the contract.

If the policyholder fails to pay two years' premium, he will refund the premium after deducting the commission fee.

Thirteenth age determination and error handling

I. the age of the insured is calculated at the age of one year.

Two. When applying for insurance, the insured should fill in the insured age with the true age of the insured. If there is any mistake, the insured shall do so in accordance with the following regulations:

1, if the insured's age is not true, and the age of the insured does not meet the age limit stipulated in this contract, the company may rescind the contract and refund the premium to the applicant after deducting the commission fee, except for more than two years from the date of the establishment of the contract.

2, if the insured age of the insured is not true, the insurer's actual insurance premium is less than the premium payable. The company has the right to make corrections and ask the insured to pay the premium and interest; if there is an insurance accident, the company pays the premium according to the ratio of the actual premium and the premium payable.

3, the insured age insured is not true, resulting in the actual insurance premium paid by the insured than the premium payable. The company should refund the premium to the applicant.

Fourteenth address changes

When the applicant's residence or correspondence address is changed, he should notify the company in writing in time. If the applicant fails to notify in writing, the company will send the notice according to the last residence or address of the contract, and is deemed to have served the applicant.

Fifteenth changes in contract contents

Within the validity period of this contract, the relevant contents of this contract may be changed by the consent of the insurer and the company.

The alteration of this contract shall be endorsed or endorsed by the company on the original insurance policy or other insurance certificate, or written agreement between the applicant and the company in making a change.

Disposal of sixteenth policy holders' dissolution of contract

1. After the establishment of this contract, the applicant may give written notice to rescind this contract.

When the applicant asks to terminate the contract, he shall provide the following certificates and information:

1, insurance policy and other insurance certificates;

2. The latest issue of premium receipt;

3, the dissolution of the contract application;

4, the applicant's identity certificate.

Two. If the applicant requests rescission of the contract, the insurance liability shall be terminated from the date of receipt of the application for cancelling the contract.

The company refunded the cash value of the insurance policy within thirty days after receiving the above certificate and information, and did not pay two years' premium.

Three, after receiving the premiums, the insured shall not rescind the insurance contract for the insured.

Seventeenth dispute handling

In the course of the performance of this contract, disputes between the two parties shall be settled through consultation. If no agreement has been reached between the two parties, arbitration can be settled through arbitration in accordance with the legal and effective arbitration agreement reached.

If there is no arbitration agreement or the arbitration agreement is invalid, the people's court may issue a lawsuit to the people's court where the policy is issued.

Eighteenth definitions

One year old: the date of birth recorded in a legal identity document is the basis of calculation.

Handling fee: the sum of three expenses of the insurance company's business expenses, commission and insurance company's insurance liability.

Interest: the interest rate is calculated on the basis of the "+1%", which is the "two year resident deposit interest rate" issued by the people's Bank on the first business day of each month and the calculated interest rate of the insured premium.

The predetermined interest rate for calculating Premium: annual compound interest 2.5%.