| 
Product
introduction Pearl
is tailor-made for post customers by SFLI. With high benefit and
returns, Pearl is an ideal tool for modern family to make protection
and financial plan. Product characteristics 
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/Total disability
benefit |
Total
disability or death caused by public traffic accident: basic
sum assured * 3,
plus accumulated bonus and special bonus.
|
Total disability or death caused
by accident: basic
sum assured * 1.2,
plus accumulated bonus and
special bonus.
|
Total disability or death caused
by disease: premium paid, plus accumulated bonus and
special bonus within one year; basic
sum assured * 1.2,
plus
accumulated bonus and special bonus
after one
year.
| | Dividend |
Our company determines the
dividend distribution plan according to related regulations of CIRC and
the operation situation.
|
Buying
tips
 | Policy terms
Policy terms are divided into two types: 7
years and 10 years. Policy-holders can choose anyone from the two
types as policy term of the present contract. |
| Application age
From 60 days
old to 65 years old. |
| Payment method and insurance amount
Single payment
The minimum premium limit is 10000 Yuan, and should
be increased by 1000. |
| 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. |
Basic sum assured table (Based on 10000 Yuan premium)
| Age
of insured | 7
years | 10
years | | 10 | 10920 | 11620 | | 20 | 10910 | 11600 | | 30 | 10900 | 11590 | | 35 | 10900 | 11570 | | 40 | 10880 | 11550 | | 45 | 10860 | 11510 | | 50 | 10840 | 11450 | | 55 | 10780 | 11320 | | 60 | 10670 | 11120 | | 65 | 10510 | 10810 |
Basic Sum Assured of other ages
please refer to terms and conditions.
Application
examples Example 1:
Mr.
Zhang, 30 years old, applies for 100 units of 7-year period Pearl
insurance (participating), the application amount is 100000 Yuan, and
the basic insurance amount is 109000 Yuan, his benefit is as following:
1.
Maturity benefit
7 years later, Mr. Zhang can get 109000
Yuan.
2. Share accumulated bonus
Our company
determines the bonus distribution plan according to related regulations
of CIRC and the operation situation.
3. Benefit
1)
Total disability or death caused by public traffic accident:
327000 Yuan + accumulated bonus + additional bonus
2)
Total disability or death caused by normal accident: 130800
Yuan + accumulated bonus + additional bonus
3)
Total disability or death caused by disease:
a)
After the first policy year: 130800 Yuan + accumulated bonus +
additional bonus
b) In the
first policy year: 100000 Yuan + additional bonus
Bonus table-A: (Notice: The following examples
assume the insurance contract starts from January 1st.) | | | Policy term | Year | Policy value | Assumed
dividends examples | | Accumulated dividends (low) | Accumulated dividends (medium) | Accumulated dividends (high) | | 7 years | 1 | 94200 | 369 | 1473 | 2577 | | 3 | 98900 | 1170 | 4646 | 8124 | | 5 | 103800 | 2050 | 8134 | 14219 | | 7 | 109000 | 3015 | 11961 | 20907 |
Example 2:
Mr.
Zhang, 30 years old, applies for 100 units of 10-year period Pearl
insurance (participating), the application amount is 100000 Yuan, and
the basic insurance amount is 115900 Yuan, his benefit is as following:
1.
Maturity benefit
10 years later, Mr. Zhang can get 115900
Yuan.
2. Share accumulated bonus
Our company
determines the bonus distribution plan according to related regulations
of CIRC and the operation situation.
3. Benefit
1)
Total disability or death caused by public traffic accident: 347700
Yuan + accumulated bonus + additional bonus
2)
Total disability or death caused by accident: 139080 Yuan +
accumulated bonus + additional bonus
3)
Total disability or death caused by disease:
a)
After the first policy year: 139080 Yuan + accumulated bonus + additional
bonus
b) In the first policy
year: 100000 Yuan + additional bonus
Bonus table-B
(Notice:
The following examples assume the insurance contract starts from January 1st.)
| | | Policy term | Year | Policy value | Assumed
dividends examples | | Accumulated dividends (low) | Accumulated dividends (medium) | Accumulated dividends (high) | | 10 years | 1 | 93300 | 365 | 1457 | 2549 | | 5 | 102700 | 2036 | 8058 | 14079 | | 7 | 107800 | 2993 | 11847 | 20698 | | 10 | 115900 | 4600 | 18210 | 31815 |
Notice: The above examples are
descriptive, can not be regarded as the future expectations.
Click to Download Terms and Conditions
|
