Here is a brief introduction to the terms of Anbang Zhong Ding Dividend Insurance: coverage. Anyone who has reached the age of 18 at the time of conclusion of this main insurance contract, has full capacity for civil conduct, and has insurable interests for the insured, can be regarded as the insured. Anyone who is born from 28 days to 70 years old and meets the underwriting conditions of our company can be regarded as the insured. During the insurance period, the insurance period of this main insurance contract is 6 years, from 0: 00 on the effective date of the insurance contract recorded in the policy to 24: 00 on the expiration date. During the hesitation period, in order to let you fully understand the scope of protection of this main insurance contract, you chose the appropriate amount of insurance, payment period and payment amount. There is a hesitation period of 20 natural days from 0: 00 the day after you sign this main insurance contract. If you propose to cancel this main insurance contract (that is, surrender) during this period, you need to fill in a written application form and provide your insurance contract and valid identity documents. Our company will refund the insurance premium you paid without interest after deducting the policy cost of no more than RMB 65,438+00. Once our company receives your written application to dissolve this main insurance contract, this main insurance contract will be dissolved. Our company is not responsible for the insurance accidents that occurred before the termination of this main insurance contract. Policy pledge loan, within the validity period of this main insurance contract, you can apply for policy pledge loan after being approved by our company. The loan amount shall not exceed 80% of the cash value of the main insurance contract after deducting all debts at the time of application, and the longest loan period shall not exceed 6 months. The loan interest rate is stipulated in the loan agreement, and the interest rate is calculated with daily compound interest. The principal and interest of the loan shall be repaid at the maturity of the loan. If the loan principal and interest are not fully repaid at maturity, the owed loan principal and interest will be used as the new loan principal. When the outstanding loan principal and interest plus other arrears reach the cash value of this main insurance contract, the effectiveness of this main insurance contract is suspended. The dividend clauses of Anbang Zhongding old-age security mainly include the insured amount, insurance period, hesitation period and policy pledge loan, in which anyone born between 28 days and 70 years old and meeting the underwriting conditions of the company can be regarded as the insured; In addition, there will be a hesitation period of 20 natural days from 0: 00 the next day after you sign this main insurance contract.