(人寿保险)Life Insurance课件.pptVIP

Critical Illness Cover This can be an independent policy, or it can be an additional benefit to a life assurance policy, such as endowment assurance. A lump sum is paid out when the insured person is diagnosed as having one of several critical diseases. These always includes cancer, stroke and heart attack. Permanent Health Insurance This policy covers the risk of permanent total disability. The cover is designed to pay a regular income after a waiting period if the insured person becomes so sick or disabled during the term of the policy that he or she cannot do his or her usual job. That is, its purpose is to replace income. The benefits are paid until the insured returns to work or retires or dies, provided death occurs before the age of retirement. Annuity An annuity provides a regular income either until death or for a fixed period. Payments can start when a lump sum is paid for the annuity or they can begin at a later date, such as the date of retirement. Alternatively, the capital for the annuity can be saved over a number of years. Because of fears about the future level of old age pensions, annuities are the fastest growing product of life assurance companies. 年金保险 年金保险：以生存为给付条件，按约定分期给付生存保险 金，且给付间隔不超过一年 分类： 定期确定的生存年金 在一定时期内给付确定年金，即在这个时期内无论被保险人是否死亡都按期给付，在规定的时期结束后，以被保险人存活为条件给付，直到被保险人死亡。 指数化年金 年金采取指数化（通常是通胀指数）方法定期调整给付数额 联合生存年金 在一张保单上同时承保两个或两个以上有相互联系的年金领取人的年金 常见的是两人联合生存年金，这两个人通常是夫妻关系。 为两个人同时存活期提供生存年金，如果其中一个人死亡，年金给付额通常降低到原来的2/3或3/4，直到两个人都死亡为止 Personal Pension Plan This is a unit-linked savings scheme to save for retirement. It is usually sold by banks or other financial services. There is no life cover at any stage. Some employers use this plan as a kind of company pension plan for their employees. There are also tax benefits under certain circumstances. Additional Features Many life insurance policies whether term or permanent provide additional payments if the insured should die as a result of an accident. The face value is doubled (and in