Generally speaking, the main contents of annuity insurance clauses stipulate what to protect, how long to protect, what not to protect, how to pay premiums, surrender, cash value, policy loans and other effects. But the most important thing is what to protect, which is what we call insurance liability. Let's first take a look at the insurance liability of Ping An Zunyao Annuity.
An Introduction to the Pension Insurance Clauses of Ping 'an Ancestors
The insurance liability of Ping An Zunyao Annuity covers survival insurance, special survival insurance, death insurance and policy dividend. Let's take a look:
1, policy bonus
The policy dividend is uncertain, but China Ping An Life Insurance Company of China Insurance Company will determine the dividend distribution plan according to the actual operating conditions. There are three ways to choose a policy bonus:
(1) Cumulative interest: Dividends will be left in China Ping An Life Insurance Company of China Insurance Company and stored at the interest rate determined by the insurance company every year until the end of the contract;
(2) Payment of insurance premium: the bonus can be used to pay the insurance premium payable in the next period;
(3) Purchase of paid premium insurance: according to the age of the insured at that time, the bonus is used as a one-time net insurance premium;
2. Death insurance
The premium paid in this main insurance contract and the cash value of this main insurance contract at the time of the death of the insured can be the largest.
3. Special Survival Fund
If the insured is still alive on the fifth policy anniversary date of this main insurance contract, China Ping An Life Insurance Company of China Insurance Company will pay special survival insurance money according to 380% of the basic insurance amount under this main insurance contract.
4. Survival funds
From the fifth policy anniversary date of the main insurance contract (1), the insured will still survive on the policy anniversary date every year, and China Ping An Life Insurance Company of China Insurance Company will pay 38% of the basic insurance amount in the main insurance contract.