Personal pension insurance contract

The first insurance contract constitutes

The personal pension insurance contract consists of the insurance policy and the terms, declarations, endorsements, and application forms, reinstatement applications, health declarations, and other engagements contained in this contract.

Article 2 Conditions of Insurance

Residents who are healthy under the age of 65 may be the insured, and they may be insured by China Life Insurance Co., Ltd. as their insured.

Institutions, enterprises, institutions, and social organizations may also act as policyholders to insure their insurers for this insurance.

Article 3 The beginning of insurance liability, payment of insurance premiums and pensions

The insurance liability of the insurer begins when the insured pays the first insured premium and the insurer agrees to insure and issues the insurance policy. Unless otherwise agreed, the date of issuance of the insurance policy is the effective date of the contract, and the corresponding date of the effective date is the effective corresponding date. The insurance policy issued by the insurer serves as evidence of underwriting.

There are three types of insurance premium payment: monthly payment, annual payment and payment.

When applying for insurance, the insured can choose to pay the pension at the spot or postpone the pension. The pension payment method includes three types: monthly collar, annual collar and collar. At the beginning of the payment, the pension day is the corresponding day of the next month. The date of receipt of the pension is the corresponding date of the insurance policy, and the age at which the pension is started is 50, 55, 60, 65 years old, and the policyholder chooses when applying for insurance.

Article 4 Insurance period

The insurance period of this contract includes the premium delivery period and the pension collection period. The premium delivery period is from the effective date of this contract to the day before the pension is stipulated on the insurance policy. The insured lives until the beginning of the pension period until the death of the insured.

Article 5 Insurance liability

During the validity period of this contract, the insurer shall bear the following liabilities for insurance benefits:

1. The insured will die due to illness or accidental injury during the premium payment period, and the insurer will pay the death benefit, and the insurance liability will be terminated.

2. When the insured survives to the end of the pension period agreed upon by the insurance policy, the insurer pays the insured a pension according to the amount of the period agreed in the insurance policy, guaranteeing ten years; if the insured is dead, his beneficiary or heir After ten years of continuing to receive a pension, the insurance liability is terminated.

3. After the insured receives the ten-year pension, he continues to survive, and the insurer pays the increased pension until his death. The increased pension is based on the amount of the first period contract agreed upon by the insurance policy. The annual increase rate is 6% or the rate of increase agreed between the policyholder and the insurer. Once agreed, it may not be changed in the middle.

Article 6 Liability exemption

When the insured is killed due to the following circumstances, the insurer shall not be liable for the payment of insurance:

1. Intentional act of the insured, beneficiary or insured;

2. The insured commits suicide or deliberately injures himself within two years from the date of entry into force or reinstatement of this contract;

3. Intentional crime, drug abuse, fighting, drunkenness;

4. War, military action or unrest;

5. Acquired acquired immunodeficiency syndrome and its complications, sexually transmitted diseases, congenital diseases or hereditary diseases;

6. Nuclear explosion, nuclear radiation or nuclear pollution;

7. No driver's license or drink driving.

The payment of insurance premiums after the second and second periods of Article 7, the suspension of the grace period and the validity of the contract

The instalment insurance premiums after the second and second phases shall be paid to the insurer and the voucher shall be properly kept in accordance with the payment method and date set out in this policy. If the insurer sends a person to collect, he should pay the toll collector and request the certificate to be properly kept. If the instalment insurance premiums after the second and second periods are not paid, the 60-day period from the date of payment on the insurance policy is the grace period; if the premium period has not been paid, the contract The validity of the day after the end of the grace period is suspended. If an insurance accident occurs during the grace period, the insurer still bears the insurance liability, but the unpaid insurance premium and interest shall be deducted from the payment of the insurance premium.

Article 8 Restoration of the validity of the contract

After the validity of this contract is suspended, the insured may complete the application for reinstatement and the insured's health declaration for reinstatement within two years from the date of suspension. After the insurer agrees and the insured pays the premiums and interest owed, the contract validity is restored.

Article 9 Notification of Insurance Accidents and Application Time of Insurance Funds

The insured, beneficiary or insured shall notify the insurer in writing within 10 days from the date of the occurrence of the insured event and shall apply to the insurer for insurance premium within 30 days after the occurrence of the insured event.

Article 10 Application for Insurance

The insured shall, within the validity period of this contract, the death within the scope of the insurance liability specified in Article 5, and the beneficiary or the heir of the insured shall apply for the death insurance of the insured, the following files shall be issued:

1. Insurance policy and insurance application;

2. The payment certificate or pension certificate of the most recent insurance premium;

3. The death certificate issued by the public security department or the hospital at or above the county level;

4. Certificate of cancellation of the household registration of the insured;

5. Certificate of household registration and identity document of the beneficiary or the heir of the insured;

6. When applying for the accidental injury insurance for the insured, the beneficiary or the heir of the insured shall separately issue a certificate of accidental injury to the insured;

7. Other valid documents issued by the insurer.

Article 11 Payment procedures for insurance premiums

When the insured survives until the agreed pension day, the pensioner applies for the receipt of the book and the identity document, and after returning the insurance policy and the payment certificate of the most recent insurance premium, the insurer issues a pension certificate.

Article 12: Dissolution of the contract

When the insured or the insured enters into this contract or applies for reinstatement, the written inquiries of the insurer shall be informed in accordance with the facts. If the intention is to conceal the facts, fail to perform the obligation of truthful disclosure, or fail to perform the obligation of truthful disclosure due to negligence, which may affect the insurer's decision whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract and not refund the insurance premium. The insurer shall not be liable for the payment of insurance benefits for insurance accidents that occurred prior to the termination of this contract.

When the insurer informs the termination of this contract, if the insured person dies, the residence is unknown, or other reasons, the notice cannot be served, the insurer may serve the notice to the insured's adult family member or the last known address.

During the period of validity of this contract, if the insured survives and does not begin to receive the pension, and the insured is unwilling to continue to participate in this insurance and terminate the contract, the insurer will refund the cash value of this insurance policy within 30 days after receiving the notice.

When the insured cancels this contract, the following files shall be issued:

1. Insurance policy and application for cancellation of the contract;

2. The payment certificate of the most recent insurance premium;

3. The insured's household registration certificate and identity document.

Article 13 Designation and Change of Beneficiary

The insured or the insured may designate one or more beneficiaries of the insured's death benefit, but the insured must obtain the consent of the insured when designating the beneficiary. During the term of this contract, the insured may notify the insurer in writing to change the beneficiary of the insured's death benefit, but the insurance policy and the insured's consent shall be sent to the insurer for approval.

In the case of a change in the preceding paragraph, the insurer is not responsible for any legal dispute.

During the period of validity of this contract, when the insured survives, the beneficiary of the pension is the insured himself, and the insurer does not accept other designations or changes.

After the insured has died, in one of the following circumstances, the death benefit is the inheritance of the insured, and the insurer performs the obligation to pay the insurance premium to the insured's heir:

1. No beneficiary specified;

2. The beneficiary dies before the insured, and there are no other beneficiaries;

3. The beneficiary waives the right to benefit or loses the beneficial right according to law, and there are no other beneficiaries.

Article 14: Calculation of age and handling of errors

The age of the insured and the insured is calculated on the basis of the age of the child. When the insured is insured, the real age should be stated on the insurance policy. If an error occurs, it should be handled in accordance with the following regulations:

1. If the applicant's declared age is not true and the true age does not meet the age limit stipulated in this contract, the insurer may cancel the contract and refund the insurance premium to the insured after deducting the handling fee, but from the effective date of this contract. Except for more than two years.

2. If the age declared by the insured is not true, and the insured pays the insurance premium less than the premium payable, the insurer pays the insurance premium in proportion to the premium paid and the premium payable.

3. If the age of the applicant's declaration is not true, and the insured pays the insurance premium more than the insurance premium, the insurer will refund the overcharged insurance premium to the insured.

Article 15 Changes in the contents of the contract

The insured may apply for a reduction in the premium payment standard during the validity period of this contract, but at least it shall not be lower than the minimum limit, and the reduction shall be regarded as the cancellation of the contract.

Article 16 Change of address

When the address of the insured has changed, the insurer shall be notified in writing in a timely manner. When the insured does not make the notice of the preceding paragraph, the insurer shall be deemed to have been served on the insured if the notice transmitted by the insurer at the last address known.

Article 17 Interpretation

The term "accidental injury" as used in this article refers to an external, sudden, unintentional objective event that causes the insured's body to be severely injured.

Article 18 Others

The beneficiary of this contract shall claim the right of the insurer to pay the insurance premium and shall be extinguished if it does not exercise for five years from the date of the occurrence of the insured event.

The change of the contents of this contract or the addition or deletion of the recorded items shall not be effective without the written application of the insured and the insurer's endorsement on the insurance policy.

When the contract is disputed and the negotiation is invalid, the parties may file a lawsuit with the people's court according to law.