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Financing
characteristics
 | Financial management and
insurance security, doubled benefits with one capital.
Maturity value when insurance
contract is due.
Annual cash dividend, sharing
commercial results of Sino-French Life Insurance.
Professional financial
management, stable investment strategy, assured investment return. |
| High coverage of predefined traffic accident.
In case of total disability or death caused by predefined traffic accident,
insurance contract shall provide three time of basic coverage. Disability or
dearth caused by disease will also have corresponding coverage.
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Total or partial surrender at anytime for a
rainy day.
After the policy takes effect, it has a high ratio cash value.
If you have any
contingent financial use, you are
free to choose partial surrender or total surrender according to the
units
bought.
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A
high degree
information-based postal network, convenient insurance application.
For
the insurance
application, you can go to the nearest postal savings counter with your
valid
identity documents.
| Insurance
benefits | |
Insurance
benefits |
Insurance money due
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Provided the insurer is still alive when the
insurance period is
due, our company shall pay maturity value according to the articles. Plus accumulated dividends and special dividend.
| | Death benefit |
Total disability or death caused
by traffic accident: basic insurance benefit * 3, plus accumulated
dividends and special dividend.
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Total disability or
death caused by accident: basic insurance benefit, plus accumulated
dividends and special dividend.
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Total disability or death caused
by disease: premium paid, plus accumulated dividends and
special dividend within one year; basic insurance benefit, plus
accumulated dividends and special dividend after one year.
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Dividend
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Our company determines the
dividend distribution plan according to related regulations of CIRC and
the operation situation.
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Buying tips
| Policy terms
Policy terms are divided into three types: 5
years, 10 years or 15 years. Policy-holders can choose any one from the
three types as policy term of present contract. |
| Application age
The insured shall be a
citizen above 60 days old. In addition, he shall not
be above 65 years old when the insurance contract expires. |
| Payment method and insurance amount
Single payment
The minimum insurance amount is RMB1000 per
unit. No limitation for number of units. |
| Important rights of customers
Cooling-off period: you can choose to cancel
the contract within 10 days after you receive the policy, no fee shall
be charged by the company. |
Application
examples
(Notice: The
following examples assume the insurance contract starts from January 1st.) Example 1:
Mr.
Zhang, 30 years old, applicates 10 units of 5-year period Hong Qilin
insurance (participating B), the application amount is 10000 yuan, and
the basic insurance amount is 10630 yuan, his benefit is as following:
| | | Policy term | Year | Policy value | Assumed
dividends examples | | Accumulated dividends (low) | Accumulated dividends (medium) | Accumulated dividends (high) |
5 years
| 1 | 9630 | 32.9 | 98.8 | 164.6 | | 2 | 9870 | 67.6 | 202.5 | 337.5 | | 3 | 10120 | 103.9 | 311.4 | 518.8 | | 4 | 10370 | 142.0 | 425.4 | 708.9 | | 5 | 10630 | 181.8 | 545.0 | 908.1 |
Example 2:
Mr.
Zhang, 30 years old, applicates 10 units of 10-year period Hong Qilin
insurance (participating B), the application amount is 10000 yuan, and
the basic insurance amount is 11750 yuan, his benefit is as following:
| | | Policy term | Year | Policy value | Assumed
dividends examples | | Accumulated dividends (low) | Accumulated dividends (medium) | Accumulated dividends (high) |
10 years
| 1 | 9020 | 32.3 | 96.7 | 161.1 | | 5 | 10140 | 178.7 | 533.9 | 889.1 | | 7 | 10760 | 262.7 | 785.0 | 1307.3 | | 10 | 11750 | 403.4 | 1206.7 | 2010.0 |
Example 3:
Mr.
Zhang, 30 years old, applicates 10 units of 15-year period Hong Qilin
insurance (participating B), the application amount is 10000 yuan, and
the basic insurance amount is 13120 yuan, his benefit is as following:
| | | Policy term | Year | Policy value | Assumed dividends examples | | Accumulated dividends (low) | Accumulated dividends (medium) | Accumulated dividends (high) | 15 years
| 1 | 8430 | 31.9 | 95.7 | 159.4 | | 5 | 9560 | 177.7 | 529.1 | 880.6 | | 9 | 10840 | 352.7 | 1050.4 | 1748.1 | | 12 | 11930 | 505.7 | 1506.8 | 2508.0 | | 15 | 13120 | 679.3 | 2026.3 | 3373.3 |
Notice: The above examples are
descriptive, can not be regarded as the future expectations.
Click to Download Terms and Conditions
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