Life insurance clause
First, the terms are common
1, the insurance contract is composed
2, insurance
(1) Insured
(2)
Main elements: age, physical condition, and related relationships
3. Insurance liability
The biggest difference in different terms is the difference in responsibility definitions.
You can make a separate finishing of the insurel definition
The main insurance responsibility of life insurance is:,
(1)
(2) Disability
(3) Full period payment
4, responsibility exemption
The various situations of the insurer are not responsible for paying responsibilities.
At the same time, if this happens, the premium processing method has been paid.
5, during insurance
Different insurance insurance periods are very different. Generally there are: regular, life, two types.
For regular insurance liability, there is:
(1) Expirement; (2) Termination insurance accident of the contract column name.
6, insurance amount (balance) and insurance premiums (premium)
(1) Calculation method (according to the total amount)
(2) Factors affecting the premium:
a, insurance age
B, gender
c, payment method
Every provision has a corresponding payment form
(3) Provisions the way the payment can be used
7, truthfully
Specifies how the insured and the insured must inform the insurer's written inquiry.
Provisions for unfaffeficing as real information:
(1) deliberately do not perform
(2) Due to negligence
This is the embodiment of insurance integrity principles
8, the assignment and change of beneficiaries
When the contract is a contract, the beneficiary of the insurance premium must be specified.
General survival insurance will only be the insured himself.
Note: Insurance: Custody is paid to the insured (or beneficiary).
9. Insurance accident notice
It is stipulated that the insured, the insured or the beneficiary knows that the insurance accident is notified within 7 days of the insurance.
10, the reduction is paid
General contracts were established for 2 years, and the insured cash value can be used as a net insurance premium.
When the reduction is paid, the premium payment is 95% of the insurance premiums corresponding to the premium premium, ie, more than 5% of the survival and retreat.
11, the application for insurance
The application process of the insurance premium is specified for each of the defined responsibilities.
12, Baoli Loan
After 2 years of contract effective, the insured can apply to the insurer's definition loan.
When loan, the amount of loans must not exceed 80% of the policy cash price.
The loan period is generally 6 months.
Specify loan interest rates and overdue interest rates.
At the same time, the contract is terminated when the loan principal is not returned.
13, payment, grace period and contractual efficiency suspension
The insured of the insurance premium payment shall pay the insurance premium according to the method and date of the contract.
The grace period is generally 60 days. Insurance accidents occur during the grace period, the insurer still assumes insurance liability.
Exceeding the guanxing period, the contract is suspended. (Not selected)
14, insurance premium
The premium and interest will be paid for the payment of the premium in the premium in the premium in the premium.
15. Contract effectiveness recovery
For the guaranteed warrant, within two years, when you can apply for actions, time, you can request a health status, the insurer's review, and require the payment of the goods and interest, the contract effectiveness.
More than 2 years, the insured returns the value of the policy, and the contract is terminated.
16. Age is determined to deepen the error handling (1) Real age does not meet the insured conditions to cancel the contract.
(2) Less payment
(3) More payment premium processing.
17, the deduction of unregistered
(1) The situation of the insurer is roughly:
a, give full period insurance
b, refund the policy cash value
C, deduct the handling fee and return insurance premium
D, gender age
(2) To deduct unarformed money, pay the payment refund.
18, change
change of address
Contract content change
Contract conversion
19, the insured to cancel the processing of the contract (survey)
(1) hesitation
The contract is required within 10 days after signing the policy, and the payment shall be returned after 10 yuan.
(2) Survival
a, 2 years
Refund returns after deducting
B, 2 years later
Note the cash value of the policy
20, dispute processing
The parties will be selected from the middle of the 2nd:
(1) Consultation or Arbitration Commission
(2) Consultative or people's court
21, related noun explanation:
(1) Preparer: Insurance Company
(2) Interest: During the interest rate, the highest value of the three-year residents issued by the People's Bank of China regular savings deposit rate "1.0%"
(3) Deduction fee, payment, payment: pay the insurance premium fee for 15% of the premium payment, payment of insurance premiums, the first year of restriction fee is 80% of the insurance premium, the second year The fee fee is 60% of the premium payment.
Second, special provisions of universal types
--- Taking "Taiping Shengshi. Long Hair Two - full Insurance" as an Example.
1, the insured account
The insurer has established a personal account for the insured, and the first payment is deducted (1) fee (2) When the season management fee (3) is subjected to a personal account after the season's guarantee fee (including additional insurance).
The renewal insurance premium is included in the personal account after deducting the handling fee.
The minimum guarantee interest rate is the deposit rate of regular savings of the two-year residents issued by the People's Bank of China.
The annual interest rate is converted to the day interest rate.
Provisions Personal Account Settlement Day: March 31, June 30, September 30, December 31.
2. Personal account settlement method
The insurer's personal account balance of the insured, this quarter is included in the insurance premium of the personal account, according to the settlement interest rate and accumulated days of the settlement day, and after deducting the next season management fee and the next season guarantee, calculate The day of personal account balance.
3, account extraction
This contract takes effect for 2 years, and the insured can apply to the insurer to extract some account balances.
4, account status
The insurer sent a 1-year personal account balance in January a year. include:
Over the past year:
Insurance amount
Fee
management fee
Guarantee premium
Continued insurance premium
Extraction
5, related nouns:
(1) Instant insurance amount: Refers to the insurance amount of the insurance accident that is in the insurance incidence of the insured.
(2) Safeguards: Insurance payments, full-legged and other surcharges. In less than 1 quarter, press 1 quarter.
(3) Policy cash value: 100% account balance of the insured account
(4) Fees: Refers to the business expenses, commissions of insurance companies, commissions, the average insurance company.
(5) Management fee: Different quarters management fees may be different, generally percentage of account balance.
Third, personal accumulation type
Take a personal accumulated annuity insurance terms as an example
Mainly, the usual payment (regular or irregular, quota or uncertain) payment, old receiving pensions. 1. Provisions for payment accounts
The insurer has established a payment account for the insured, and the payment account will be included after paying the payment fee.
July, the payment date for the payment account.
Calculate the balance of the status payment account on the interest rate on the day of the settlement day.
Account Balance = The account balance of the last settlement day to this settlement day, the insurance premium payment after the payment is deducted from the finishes of this settlement day.
The insured arrived at the pension to receive the start date, and the payment account was revoked.
Fourth, health insurance
Insurance for hospitalization costs can be agreed.
Different fees, the proportion of insurance paid is different, and the amount payment amount is accumulated multiple times until the guarantee is used.
