人身保中险中英对照.docVIP

人身保险合同的常见条款 1、不可抗辩条款 Incontestable provision 2、宽限期条款 Grace period provision 3、复效条款 Reinstatement provision 4、年龄误告条款 Misstatement of age provision 5、自杀条款 Suicide clause 6、贷款条款 Policy loan provision 7、自动垫缴保费条款 Automatic premium loan provision 8、不丧失的现金价值条款 Non-forfeiture provision 9、保单转让条款 Policy assignment clause ——绝对转让 absolute assignment ——抵押转让 collateral assignment 10、受益人条款 Beneficiary clause 人身保险合同的选择权条款 一、不丧失权益选择权条款 Non-forfeiture benefits option clause 1、退保金不丧失选择权 Cash surrender value nonforfeiture option 2、减额缴清保险不丧失选择权 Reduced paid-up insurance nonforfeiture option 3、展期保险不丧失选择权 Extended term insurance nonforfeiture option 二、红利选择权条款 Dividend option clause 1、现金红利选择权 Cash dividend option 2、抵减保费红利选择权 Primium reduction dividend option 3、累计利息红利选择权 Accumulation at interest dividend option 4、增额缴清保费红利选择权 Paid-up additional insurance dividend option 5、增额定期保险红利选择权 Additional term insurance dividend option 三、保险金给付选择权条款 Settlement option provision 四、保费交付选择权条款 Premium payment option clause 保障型人寿保险 一、定期寿险 Term life insurance 1、定额定期寿险 Level term life insurance 2、减额定期寿险 Decreasing term life insurance 3、增额定期寿险 Increasing term life insurance 二、终身寿险 Whole life insurance 三、两全保险 Endowment insurance 补充残疾给付——免缴保费 Waiver of premium (WP) 1、残疾免缴保费给付 Waiver of premium for disability benefit 2、投保人免缴保费给付 Waiver of premium for payor benefit 3、残疾收入给付 Disability income benefit 寿险提前给付附约 Accelerated death benefit riders 1、终末疾病给付 Terminal illness benefit 2、重大疾病给付 Dread disease benefit 3、长期护理给付 Long-term care benefit 储蓄型人寿保险——年金保险 趸缴年金 Single premium-annuity 期缴年金 Periodical premium-annuity 即期年金 Immediate annuity 延期年金 Deferred annuity 终身年金 Life annuity ——纯粹终身年金 Straight life annuity ——固定期终身年金 Life income annuity with period certain ——全额偿还终身年金 Life income with refund annuity 确定年金 Annuity ceratin 限期生存年金 Temporary life annuity 个人年金 Personal annuity 联合年金 Joint annuity 定额年金 Fixed-benefit annuity 变额年金 Variable annuity 准投资型的人寿保险——分红保险