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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.
Provides multiple coverage for the disability or dearth caused by predefined
traffic accident. Disability or dearth
caused by disease will also have corresponding coverage. |
| 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. |
| 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 |
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 aviation accident: basic insurance
benefit * 10, plus accumulated dividends and special dividend.
|
Total disability or death caused
by accident: basic insurance benefit * 5, plus accumulated dividends and
special dividend.
|
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.
| | Dividend |
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 C), the application amount is 10000 yuan, and
the basic insurance amount is 10380 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 | 9570 | 32.6 | 97.6 | 162.6 | | 2 | 9720 | 66.8 | 200.0 | 333.2 | | 3 | 9930 | 102.5 | 307.1 | 511.7 | | 4 | 10150 | 139.9 | 419.1 | 698.3 | | 5 | 10380 | 178.9 | 536.1 | 893.3 |
Example 2:
Mr.
Zhang, 30 years old, applicates 10 units of 10-year period Hong Qilin
insurance (participating C), the application amount is 10000 yuan, and
the basic insurance amount is 11430 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 | 9000 | 3201 | 96.1 | 160.2 | | 5 | 10000 | 176.7 | 528.0 | 879.3 | | 7 | 10550 | 259.0 | 774.4 | 1289.7 | | 10 | 11430 | 396.6 | 1186.6 | 1976.6 |
Example 3:
Mr.
Zhang, 30 years old, applicates 10 units of 15-year period Hong Qilin
insurance (participating C), the application amount is 10000 yuan, and
the basic insurance amount is 12550 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 | 8410 | 31.5 | 94.4 | 157.3 | | 5 | 9410 | 174.1 | 518.6 | 863.1 | | 9 | 10550 | 343.7 | 1024.2 | 1704.6 | | 12 | 11500 | 491.2 | 1464.5 | 2437.7 | | 15 | 12550 | 658.1 | 1963.9 | 3269.7 |
Notice: The above examples are
descriptive, can not be regarded as the future expectations.
Click to Download Terms and Conditions
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