中意聚富锁终身寿险（万能型）-条款.pdf

中意人寿[2019]终身寿险003号

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您拥有的重要权益

在犹豫期内您若要求解除合同，我们仅扣除工本费··················································1.5

被保险人可以享有本合同提供的保障利益······························································2.3

您有部分领取保单账户价值的权利·······································································6.1

您有权解除合同·································································································8

您应当特别注意的事项

在某些情况下，我们不承担保险责任·······································1.5、2.5、3.2、7.1、10.1

您应及时向我们通知保险事故·············································································3.2

保险金的申请权应在一定期间内行使····································································3.7

在某些情况下，本合同效力中止··········································································7.1

解除合同会给您造成一定的损失，请您慎重决策·····················································8.1

在某些情况下，本合同效力终止··········································································9.1

您有如实告知的义务·······················································································10.1

我们对一些重要术语进行了解释，请您注意····························································12

条款是保险合同的重要内容，为充分保障您的权益，请您仔细阅读本条款。

条款目录

1您与我们订立的合同3.6宣告死亡处理7.1宽限期及合同效力的中止

1.1合同构成3.7诉讼时效7.2合同效力的恢复

1.2保险合同成立与生效4保险费的支付8合同解除

1.3投保年龄4.1一次性付清保险费8.1解除合同的手续及风险

1.4合同的签收4.2追加保险费9合同效力的终止

1.5犹豫期5保单结算9.1合同效力的终止

2我们提供的保障5.1万能单独账户10如实告知

2.1保险期间5.2万能结算利率10.1明确说明与如实告知

2.2保险金额5.3最低保证利率10.2本