金色朝阳少儿保险.ppt

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,*,子女教育保险,金色朝阳少儿保险计划,金色朝阳少儿定期寿险,附加少儿重大疾病保险,附加教育年金（分红型）保险,金色朝阳少儿定期寿险,产品要点：,1,、投保年龄：被保险人凡,出生满,28,天至,14,周岁,，身体健康均可作为被保险人。,2,、保险期间：至被保险人年满,25,周岁,后的首个保单周年日零时止。,3,、交费方式：,趸交、,5,年交、交费至,15,岁,。,4,、费率：交费低廉（详见费率表），,每,1000,元基本保险金额,。,5,、保险责任,金色朝阳少儿定期寿险责任演示,年龄,保险金额,18,岁,20,岁,25,岁,按基本保额,1,倍赔付,0,岁,按基本保额,2,倍赔付,按基本保额,3,倍赔付,条件：已婚,性别：男 年龄：,0,岁,基本保险金额：,5,万,缴费方式：交费至,15,岁,年交保费：,5,万,10,万,15,万,25,岁后合同终止,保险责任总结,1,、,180,日以内身故或全残退保费,2,、,18,岁以前身故或全残赔,1,倍,3,、,18,岁以后身故或全残赔,2,倍,4,、,20,至,25,岁之间且已婚，身故或,全残赔,3,倍,65,元,180,天,内,65,元,附加少儿重大疾病保险责任演示,年龄,0,岁,25,岁,生效日,180,天后,如果身患责任范围内的重大,疾病按照基本保额赔付,（买多少赔多少）,25,岁后合同终止,性别：男 年龄：,0,岁,基本保险金额：,10,万,缴费方式：交费至,15,岁,年交保费：,保险金额,10,万,从此拥有,19,类重大疾病保障,260,元,生效日,180,天内,如果身患责任范围内的重大,疾病按照基本保额赔付,（无息退保费）,附加教育年金（分红型）保险责任演示,15,岁,17,岁,24,岁,25,岁,每年领取,1,万,每年领取,2,万,最后一年,领取,3,万,性别：男 年龄：,0,岁,基本保险金额：,10,万,缴费方式：交费至,15,岁,年交保费：,共计,3,万,共计,14,万,年龄,25,岁后合同终止,收入状况,同时享有公司红利分配至,25,周岁,红利曲线,总计生存金高达,基本保额,200%,0,岁,18,岁,11600,元,3,万元,附加教育年金（分红型）保险责任总结,1,、,15,17,周岁,，每年领取基本保额,10%,的生存保险金。,2,、,18,24,周岁,，每年领取基本保额,20%,的生存保险金。,3,、,25,周岁,领取基本保额,30%,的生存保险金，本合同终止。,4,、,从投保年度开始享受公司红利，直到本合同终止。,保单年度末,已达年龄,高中教育保险金,大学教育保险金,研究生教育保险金,创业金,现金价值,累计红利（低）,累计红利（中）,累计红利（高）,1,1,0.00,0.00,0.00,0.00,5,400.00,35.35,106.05,141.40,2,2,0.00,0.00,0.00,0.00,13,600.00,132.09,347.71,462.66,3,3,0.00,0.00,0.00,0.00,22,700.00,315.58,753.97,1,004.31,4,4,0.00,0.00,0.00,0.00,32,300.00,616.95,1,360.39,1,813.81,5,5,0.00,0.00,0.00,0.00,42,300.00,1,066.25,2,200.19,2,932.32,6,6,0.00,0.00,0.00,0.00,52,700.00,1,692.21,3,306.78,4,409.22,7,7,0.00,0.00,0.00,0.00,63,600.00,2,532.58,4,721.98,6,294.41,8,8,0.00,0.00,0.00,0.00,75,000.00,3,623.25,6,485.93,8,646.30,9,9,0.00,0.00,0.00,0.00,86,800.00,4,995.01,8,633.77,11,514.64,10,10,0.00,0.00,0.00,0.00,99,100.00,6,694.66,11,217.49,14,959.68,11,11,0.00,0.00,0.00,0.00,112,000.00,8,617.50,14,137.01,18,852.47,12,12,0.00,0.00,0.00,0.00,125,300.00,10,774.43,17,408.72,23,214.85,13,13,0.00,0.00,0.00,0.00,139,300.00,13,175.26,21,047.38,28,066.49,14,14,0.00,0.00,0.00,0.00,153,800.00,15,831.52,25,070.31,33,430.49,15,15,10,000.00,0.00,0.00,0.00,168,900.00,18,755.06,29,495.32,39,330.60,16,16,10,000.00,0.00,0.00,0.00,163,600.00,21,675.32,33,916.57,45,225.72,17,17,10,000.00,0.00,0.00,0.00,158,200.00,24,589.38,38,329.77,51,110.09,18,18,0.00,20,000.00,0.00,0.00,152,700.00,27,497.06,42,734.67,56,983.39,19,19,0.00,20,000.00,0.00,0.00,136,700.00,30,255.37,46,916.81,62,559.69,20,20,0.00,20,000.00,0.00,0.00,120,200.00,32,855.63,50,863.21,67,821.69,21,21,0.00,20,000.00,0.00,0.00,103,200.00,35,287.50,54,558.41,72,748.74,22,22,0.00,0.00,20,000.00,0.00,85,700.00,37,541.72,57,988.56,77,322.40,23,23,0.00,0.00,20,000.00,0.00,67,700.00,39,607.37,61,137.31,81,520.87,24,24,0.00,0.00,20,000.00,0.00,49,100.00,41,473.20,63,987.83,85,321.70,25,25,0.00,0.00,0.00,30,000.00,30,000.00,43,128.99,66,524.87,88,704.55,演示高档红利,25,岁高达,88704,元,合计返还：,20,万元,一共投入,174000,元,教育年金返还,+,红利收入,合计投资回报：约为,288704,元,按目前银行利率计算,连本带息,仅能得到,24,万元,金色朝阳少儿保险计划投保规则,同时投保,1,、定期寿险和重大疾病；,2,、定期寿险和教育年金；,3,、定期寿险、重大疾病和教育年金,主、附险搭配比例,定期寿险,重大疾病,教育年金,最低保费限制,如果定期寿险和重大疾病同时投保，每单保险费合计，趸交、年交分别不得低于,1200,元、,150,元,（如果定期寿险和教育年金同时投保或者定期寿险、重大疾病和教育年金同时投保则不受此限制）,1:2,1:1,或,1:2,