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[]
[null,"安達人壽美利紅美元分紅終身壽險_建議書 資料輸入頁"]
[]
[null,"客戶資料",null,null,null,null,null,null,null,null,null,"PSSD202504-002-BRSS"]
[]
[]
[]
[null,null,"被保險人",null,"被保人","先生","要保人","要保人","先生/小姐","繳費人","繳費人","先生/小姐"]
[]
[null,null,"被保險人出生年月日",null,740101,"格式(yyymmdd)","要保人出生年月日",740101,"格式(yyymmdd)","繳費人出生年月日",740101,"格式(yyymmdd)"]
[]
[null,null,"性    別",null,"男性","下拉選單","性    別","男性","下拉選單","性    別","男性","下拉選單"]
[]
[null,null,"保險年齡",null,{"$f":"age","v":40},null,"保險年齡",{"$f":"holderAge","v":40},null,"保險年齡",{"$f":"payerAge","v":40}]
[null,"投保內容"]
[]
[null,null,"商品名稱",null,"安達人壽美利紅美元分紅終身壽險"]
[]
[null,null,"商品幣別",null,"美元"]
[]
[null,null,"繳別",null,"年繳","下拉選單"]
[]
[null,null,"保險年期",null,"保險年齡達110歲"]
[]
[null,null,"繳費期間",null,"3年期"]
[]
[null,null,"繳費方式(首期)",null,"金融機構自動轉帳","下拉選單"]
[]
[null,null,"繳費方式(續期)",null,"金融機構自動轉帳","下拉選單"]
[]
[null,null,"保險金額(元）",null,100000,"15足歲以下:1萬美元~35萬美元；15足歲(含以上): 1萬美元~1000萬美元"]
[]
[]
[null,"分期保險金給付設定"]
[]
[null,null,"分期定期保險金給付期間",null,5,"請輸入5~20年"]
[]
[null,null,"一次給付比例",null,40,"%"]
[]
[null,null,"每期給付比例",null,60,"%"]
[]
[null,"保險費合計"]
[]
[]
[null,null,"首期保費",null,{"$f":"TEXT(GP_bf_disc,\"###,###,###.00\")","v":"20,470.00"},"元"]
[]
[null,null,"首期折扣後保費",null,{"$f":"TEXT(GP_af_disc,\"###,###,###.00\")","v":"20,265.30"},{"$f":"\"元    (  \" & TEXT(參數!$B$26*100, \"0.00\") & \"%  折扣）\"","v":"元    (  1.00%  折扣）"}]
[]
[null,null,"續期保費",null,{"$f":"TEXT(RP_bf_disc,\"###,###,###.00\")","v":"20,470.00"},"元"]
[]
[null,null,"續期折扣後保費",null,{"$f":"TEXT(RP_af_disc,\"###,###,###.00\")","v":"20,265.30"},{"$f":"\"元    (  \" & TEXT(參數!$B$27*100, \"0.00\") & \"%  折扣）\"","v":"元    (  1.00%  折扣）"}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,"錄音提示稿相關資料"]
[null,"保經代公司名稱：",null,null,"安達保經",null,null,null,"請輸入保經代公司名稱，例如: 安達保經"]
[null,"業務員姓名：",null,null,"業務員(一)",null,"業務員(二)"]
[null,"業務員登錄證字號：",null,null,"0123456789",null,9876543210,null,"請輸入登錄證字號，共10碼"]
[]
[null,"投保目的(可複選)",null,null,null,"保障",null,"【適用投保目的】請輸入V，【取消】請空白"]
[null,null,null,null,null,"子女教育經費",null,"【適用投保目的】請輸入V，【取消】請空白"]
[null,null,null,null,null,"退休規劃",null,"【適用投保目的】請輸入V，【取消】請空白"]
[null,null,null,null,null,"房屋貸款",null,"【適用投保目的】請輸入V，【取消】請空白"]
[null,null,null,null,null,"其他\n(請於右方填入內容)",null,"【適用投保目的】請輸入V，【取消】請空白"]
[]
[]
[null,"※  提醒您，本試算表所提出之部份提領申請為繳費期滿後【減少保險金額】，保險金額減少均會減少保單保障、保單價值準備金及解約金等，客戶必須依照自身的財務及保障需求妥適規劃。"]
[null,"※  要保人在本契約有效期間內，得申請減少保險金額，但是減額後的基本保險金額，不得低於本保險最低承保金額，其減少部分依契約終止之約定處理。"]
[null,"※  下列【減少保險金額】之數值為預估值，如投保後需減少保險金額請自行提出契變辦理，詳細規則可參閱保全規則。"]
[null,"※  本公司辦理「減少保險金額」，係先減少基本保險金額。減額後的基本保險金額，不得低於本保險最低承保金額 10000 美元。"]
[null,"部分提領"]
[]
[null,null,"※減額後的「基本保險金額」不得低於本保險最低承保金額!"]
[null,null,"定額提領(減少保險金額)"]
[null,null,null,null,"建議提領試算年齡須至少大於投保年齡加6歲!"]
[null,null,"年齡一",null,50,"歲起","每年提領金額",350000,null,"美元"]
[null,null,null,null,{"$f":"IF(E86=\"\",\"\",IF(定額提領年齡二<=定額提領年齡一,\"定額提領試算年齡二需大於定額提領試算年齡一\",\"\"))","v":""},null,null,null,null,null,{"$f":"IF(COUNTIF(減少保險金影響表!J9:J126, 0) > 0, \"提醒，依此方式提領，基本保險金額將於保險契約有效期間內歸零\", \"\")","v":"提醒，依此方式提領，基本保險金額將於保險契約有效期間內歸零"}]
[null,null,"年齡二",null,null,"歲起","每年提領金額",null,null,"美元"]
[null,null,null,null,{"$f":"IF(E88=\"\",\"\",IF(定額提領年齡三<=定額提領年齡二,\"定額提領試算年齡三需大於定額提領試算年齡一及年齡二\",\"\"))","v":""}]
[null,null,"年齡三",null,null,"歲起","每年提領金額",null,null,"美元"]
[]
[]
[null,null,"額外一次提領(減少保險金額)"]
[null,null,null,null,"建議提領試算年齡須至少大於投保年齡加6歲!"]
[null,null,"年齡一",null,null,"歲","當次提領金額",null,null,"美元"]
[null,null,null,null,{"$f":"IF($E95=\"\",\"\",IF($E95<=E93,\"定額提領試算年齡二需大於定額提領試算年齡一\",\"\"))","v":""},null,null,null,null,null,{"$f":"IF(COUNTIF(減少保險金影響表!J9:J126, 0) > 0, \"提醒，依此方式提領，基本保險金額將於保險契約有效期間內歸零\", \"\")","v":"提醒，依此方式提領，基本保險金額將於保險契約有效期間內歸零"}]
[null,null,"年齡二",null,null,"歲","當次提領金額",null,null,"美元"]
[null,null,null,null,{"$f":"IF(E97=\"\",\"\",IF(E97<=E95,\"定額提領試算年齡三需大於定額提領試算年齡一及年齡二\",\"\"))","v":""}]
[null,null,"年齡三",null,null,"歲","當次提領金額",null,null,"美元"]
[]
[]
[]
[]
[]
[]
[null,"建議書列印頁",null,"商品利益說明表\n(不含紅利部份)",null,null,"商品利益分析表",null,"減少保險金額",null,null,"分期定期保險金給付"]
[null,null,null,null,"建議書列印頁"]

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[]
[null,"要保險人：",{"$f":"參數!H8","v":"要保人"},{"$f":"\"保險年齡：  \"&age & \" 歲\"","v":"保險年齡：  40 歲"},{"$f":"\"繳　　別：  \"&ChargeMode","v":"繳　　別：  年繳"},{"$f":"\"首期繳費方式 :\"&PayMode1","v":"首期繳費方式 :金融機構自動轉帳"},{"$f":"\"首期保費：\"&TEXT(GP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"首期保費：20,470.00 美元"},null,{"$f":"\"首期折扣後保費：\"&TEXT(GP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"首期折扣後保費：20,265.30 美元"},null,{"$f":"\"基本保險金額：\"&TEXT(SA,\"###,###,###.00\")&\" 美元\"","v":"基本保險金額：100,000.00 美元"},null,{"$f":"\"高保費折扣:\"&TEXT(Prem_disc,\"0.00%\")","v":"高保費折扣:0.00%"},null,null,null,"列印"]
[null,"被保險人：",{"$f":"InsName","v":"被保人"},{"$f":"\"性　　別：  \"&EntryGender","v":"性　　別：  男性"},{"$f":"\"繳費年期： \"&plan & \" 年期\"","v":"繳費年期： 3 年期"},{"$f":"\"續期繳費方式 :\"&PayMode2","v":"續期繳費方式 :金融機構自動轉帳"},{"$f":"\"續期保費：\"&TEXT(RP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"續期保費：20,470.00 美元"},null,{"$f":"\"續期折扣後保費：\"&TEXT(RP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"續期折扣後保費：20,265.30 美元"},null,{"$f":"\"繳費方式折扣 :  \"&IF(PayModeDisc1=1%,TEXT(PayModeDisc1,\"0.00%\"),IF(PayModeDisc2=1%,TEXT(PayModeDisc2,\"0.00%\"),TEXT(0,\"0.00%\")))","v":"繳費方式折扣 :  1.00%"}]
[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-最可能紅利金額(保額)(中分紅)",null,null,null,null,null,null,null,null,null,null,"回到資料輸入"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(中)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(中)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-最可能紅利金額(保額)(中分紅)"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(中)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(中)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-最可能紅利金額(保額)(中分紅)"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(中)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(中)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-較低紅利金額(保額)(低分紅)"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(低)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(低)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-較低紅利金額(保額)(低分紅)"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(低)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(低)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-較低紅利金額(保額)(低分紅)"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(低)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(低)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-可能紅利金額(保額)為零"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(零)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(零)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-可能紅利金額(保額)為零"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(零)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(零)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"年度","年齡","折扣後\n當年度\n所繳保險費","折扣後\n累計\n所繳保險費","【非保證給付項目】假設分紅-可能紅利金額(保額)為零"]
[null,null,null,null,null,"原保險金額試算",null,"減少保險金額試算"]
[]
[null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n\n(零)","當年度末\n可能領取\n解約金總額\n\n(預估值)\n\n(零)","該次減少\n基本保險金額\n可領取之解約金\n\n(預估值)\n\n(年初)","歷年減少\n基本保險金額\n領取之解約金總額\n\n(預估值)\n\nA","減少基本保險金額後\n當年度末壽險保障及\n假設紅利_分紅保額\n\n(預估值)\n","減少基本保險金額後\n當年度末解約\n可能領取之解約金\n\n(預估值)\n\nB","累計至當年度末解約可能總領金額\n\n(預估值)\n\nA+B=C\n"]
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[null,{"$f":"ProductName &\" - 商品利益說明表(不含紅利部份)\"","v":"安達人壽美利紅美元分紅終身壽險 - 商品利益說明表(不含紅利部份)"}]
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[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費",null,null,"當年度末壽險保障",null,null,"當年度末解約金",null,"當年度末\n保單價值準備金",null,"當年度末\n減額繳清保險金額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回到資料輸入"]
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[null,null,"K = 基本保額 + H",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","",null,null,"",null,"","",{"$f":"IF(A127=\"\",\"\",SUM($AQ$15:AQ127))","v":""},"",0,"","","","",null,null,"",null,"","",{"$f":"IF(A127=\"\",\"\",SUM($BD$15:BD127))","v":""},""]
[null,null,"I = 增額紅利對應之身故保險金(三者取大)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","",null,null,"",null,"","",{"$f":"IF(A128=\"\",\"\",SUM($AQ$15:AQ128))","v":""},"",0,"","","","",null,null,"",null,"","",{"$f":"IF(A128=\"\",\"\",SUM($BD$15:BD128))","v":""},""]
[null,null,"L = A + I + F(TB)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","",null,null,"",null,"","",{"$f":"IF(A129=\"\",\"\",SUM($AQ$15:AQ129))","v":""},"",0,"","","","",null,null,"",null,"","",{"$f":"IF(A129=\"\",\"\",SUM($BD$15:BD129))","v":""},""]
[null,null,"M = C + J + G(TB)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","",null,null,"",null,"","",{"$f":"IF(A130=\"\",\"\",SUM($AQ$15:AQ130))","v":""},"",0,"","","","",null,null,"",null,"","",{"$f":"IF(A130=\"\",\"\",SUM($BD$15:BD130))","v":""},""]
[null,null,"上表保價金解約金含當年度末應給付之生存保險金",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"","","","",null,null,"",null,"","",{"$f":"IF(A131=\"\",\"\",SUM($AQ$15:AQ131))","v":""},"",0,"","","","",null,null,"",null,"","",{"$f":"IF(A131=\"\",\"\",SUM($BD$15:BD131))","v":""},""]
[]
[]
[null,null,"計算當年度紅利要記得+累計紅利"]

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["被保人姓名",{"$f":"InsName","v":"被保人"},null,null,"要保人姓名",{"$f":"HolderName","v":"要保人"},"繳費人姓名",{"$f":"Payer","v":"繳費人"}]
["被保人生日",{"$f":"(LEFT(InsBirthEntry,LEN(InsBirthEntry)-4) + 1911) & \"/\" & MID(RIGHT(InsBirthEntry,4),1,2) & \"/\" & RIGHT(InsBirthEntry,2)","v":"1985/01/01"},null,"表示有欄位名稱定義","要保人生日",{"$f":"(LEFT(資料輸入!H10,LEN(資料輸入!H10)-4) + 1911) & \"/\" & MID(RIGHT(資料輸入!H10,4),1,2) & \"/\" & RIGHT(資料輸入!H10,2)","v":"1985/01/01"},"繳費人生日",{"$f":"(LEFT(資料輸入!K10,LEN(資料輸入!K10)-4) + 1911) & \"/\" & MID(RIGHT(資料輸入!K10,4),1,2) & \"/\" & RIGHT(資料輸入!K10,2)","v":"1985/01/01"}]
["被保人性別",{"$f":"IF(資料輸入!E12=\"男性\",1,2)","v":1},"1表示男性；2表示女性",null,"要保人性別",{"$f":"IF(資料輸入!I12=\"男性\",1,2)","v":2},"繳費人性別",{"$f":"IF(資料輸入!K12=\"男性\",1,2)","v":1}]
["足歲年齡",{"$f":" IF((TEXT(MONTH(NOW()),\"0#\") & TEXT(DAY(NOW()),\"0#\")) - RIGHT(InsBirthEntry,4) < 0,  (YEAR(NOW())-YEAR(InsBirthDay))-1,  (YEAR(NOW())-YEAR(InsBirthDay)))","v":40},null,null,"足歲年齡",{"$f":" IF((TEXT(MONTH(NOW()),\"0#\") & TEXT(DAY(NOW()),\"0#\")) - RIGHT(資料輸入!H10,4) < 0,  (YEAR(NOW())-YEAR(F2))-1,  (YEAR(NOW())-YEAR(F2)))","v":40},"足歲年齡",{"$f":" IF((TEXT(MONTH(NOW()),\"0#\") & TEXT(DAY(NOW()),\"0#\")) - RIGHT(資料輸入!K10,4) < 0,  (YEAR(NOW())-YEAR(H2))-1,  (YEAR(NOW())-YEAR(H2)))","v":40}]
["保險年齡",{"$f":"ROUND((DAYS360(InsBirthDay,TODAY())-1)/360,0)","v":40},null,null,"保險年齡",{"$f":"ROUND((DAYS360(F2,TODAY())-1)/360,0)","v":40},"保險年齡",{"$f":"ROUND((DAYS360(H2,TODAY())-1)/360,0)","v":40}]
["繳費年期",{"$f":"VALUE(LEFT(資料輸入!E25,FIND(\"年期\",資料輸入!E25)-1))","v":3}]
["跳歲提醒",0,"1表示要提醒；0表示無須提醒","利用系統日+跳歲天數為新系統日下與被保人生日計算新的保險年齡，若新與舊的保險年齡不同表示需要提示會跳歲","要保人同被保人",false,"錄音提示搞要保人年齡",{"$f":"IF(F7, age, holderAge)","v":40}]
["跳歲天數(需求定義)",30,null,null,"繳費人同要保人",false,"錄音提示搞要保人姓名",{"$f":"IF(F7, B1, F1)","v":"要保人"}]
["跳歲生日",{"$f":"YEAR(TODAY()+B8) & MONTH(TODAY()+B8) & DAY(TODAY()+B8)","v":"2025530"},null,null,"繳費人同被保人",false,"錄音提示搞要保人性別",{"$f":" IF(F7, EntryGender, 資料輸入!H12)","v":"男性"}]
["跳歲後年齡",40,null,null,null,null,"錄音提示搞繳費人年齡",{"$f":" IF(F8, IF(F7, age, holderAge), IF(F9, age, payerAge))","v":40}]
["保額",{"$f":"資料輸入!E31","v":100000},null,null,null,null,"錄音提示搞繳費人姓名",{"$f":" IF(F8, IF(F7, InsName, HolderName), IF(F9, InsName, Payer))","v":"繳費人"}]
["Index",{"$f":"VALUE(plan&sex&age)","v":3140},null,null,null,null,"錄音提示搞繳費人性別",{"$f":" IF(F8, IF(F7, EntryGender, 資料輸入!H12), IF(F9, EntryGender, 資料輸入!K12))","v":"男性"}]
["繳別係數",{"$f":"VLOOKUP(LEFT(ChargeMode,1),$J$23:$K$27,2,FALSE)","v":1}]
[null,null,null,null,"給付祝壽保險金-中",{"$f":"VLOOKUP(110,formula!B15:W125,2,0) + VLOOKUP(110,formula!B15:W125,20+1,0)","v":143442}]
["最大年齡",110,null,null,"假設紅利分紅保額-中",{"$f":"VLOOKUP(110,formula!B15:W125,11+1,0)","v":312452}]
["紅利運用方式",4,"抵繳保費=1，現金給付=2，儲存生息=3，增額繳清=4","本次以紅利保額形式發放紅利，固定為4","給付祝壽保險金-低",{"$f":"VLOOKUP(110,formula!B15:W125,2,0) + VLOOKUP(110,formula!B15:W125,20+2,0)","v":110824}]
["選擇分紅(DivLevel)","中",null,null,"假設紅利分紅保額-低",{"$f":"VLOOKUP(110,formula!B15:W125,11+2,0)","v":50413}]
["職業等級",{"$f":"資料輸入!#REF!","v":{"$error":"#REF!"}},null,null,"給付祝壽保險金-零",{"$f":"VLOOKUP(110,formula!B15:W125,2,0) + VLOOKUP(110,formula!B15:W125,20,0)","v":100000}]
["分期定期保險金每期領取下限",4000,null,null,"假設紅利分紅保額-零",{"$f":"VLOOKUP(110,formula!B15:W125,11,0)","v":0}]
["核保規則-1",{"$f":"IF(age<>\"NA\",IF(OR(AND(plan=6,age>77),AND(plan=10,age>70),AND(plan=20,age>60)),1,0),0)","v":0},"1表示要提醒；0表示無須提醒","保險年齡與繳費年期關係"]
["核保規則-2",1,"1表示要提醒；0表示無須提醒","免體檢額度"]
["首期繳費方式折扣",{"$f":"VLOOKUP(PayMode1&PayMode2,$F$37:$J$40,4,0)","v":0.01},null,null,null,"繳費方式折扣說明",null,null,null,"繳別係數"]
["續期繳費方式折扣",{"$f":"VLOOKUP(PayMode1&PayMode2,$F$37:$J$40,5,0)","v":0.01},null,null,null,"首期繳費方式","續期繳費方式","首期折扣","續期折扣","繳別","係數","繳費次數"]
["高保額折扣",{"$f":"VLOOKUP(SA,$F$31:$G$34,2)","v":0},null,null,null,"C","B","V","V","年",1,1]
["高保費折扣",{"$f":"VLOOKUP(SA*VLOOKUP(index,GP!$A$2:$E$407,5,0)/10000,$H$31:$I$34,2)","v":0},{"$f":"SA*VLOOKUP(index,GP!$A$2:$E$407,5,0)/10000","v":20470},null,null,"C","C","X","X","半",0.52,2]
["首期保費折扣",{"$f":"PayModeDisc1+SA_disc+Prem_disc","v":0.01},null,null,null,"B","C","V","X","季",0.26200000000000001,4]
["續期保費折扣",{"$f":"PayModeDisc2+SA_disc+Prem_disc","v":0.01},null,null,null,"B","B","V","V","月",8.7999999999999995E-2,12]
["首期保費(GP_bf_disc)",{"$f":"ROUND(SA*VLOOKUP(index,GP!$A$2:$E$407,5,0)/10000*PremRate,2)*IF(LEFT(ChargeMode,1)=\"月\",2,1)","v":20470},null,"在繳別為月繳，首期保費為2個月"]
["續期保費(RP_bf_disc)",{"$f":"ROUND(SA*VLOOKUP(index,GP!$A$2:$E$407,5,0)/10000*PremRate,2)","v":20470},null,null,null,"高保額折扣表",null,"高保費折扣表",null,"保險金預定利率"]
["首期折扣後保費(GP_af_disc)",{"$f":"ROUND(ROUND(SA*VLOOKUP(index,GP!$A$2:$E$407,5,0)/10000*PremRate*(1-SA_disc-Prem_disc),2)*(1-PayModeDisc1),2)*IF(LEFT(ChargeMode,1)=\"月\",2,1)","v":20265.3},null,null,null,"SA","%","Prem","%","期間","%"]
["續期折扣後保費(RP_af_disc)",{"$f":"ROUND(ROUND(SA*VLOOKUP(index,GP!$A$2:$E$407,5,0)/10000*PremRate*(1-SA_disc-Prem_disc),2)*(1-PayModeDisc2),2)","v":20265.3},null,null,null,0,0,0,0,5,1.4999999999999999E-2]
["身故退保費之利率",0.03,"<<這商品沒有用",null,null,400000,0,40000,5.0000000000000001E-3,7,1.4999999999999999E-2]
["PUA身故退保費之利率",3.0499999999999999E-2,"<<這商品沒有用",null,null,1000000,0,100000,8.0000000000000002E-3,11,1.7500000000000002E-2]
["儲存生息利率(DoD)",2.1999999999999999E-2,"<<這商品沒有用",null,null,null,null,null,null,20,1.7500000000000002E-2]
["分期定期保險金給付期間\ninstallment_period",{"$f":"資料輸入!E36","v":5},"5~20"]
["分期定期保險金預定利率\ninstallment_int",{"$f":"VLOOKUP(B35,$J$31:$K$34,2)","v":1.4999999999999999E-2},null,null,null,null,"首期","續期","首期折扣","續期"]
["分期定期保險金給付比例\ninstallment_rate",{"$f":"資料輸入!E40/100","v":0.6},null,null,null,{"$f":"G37&H37","v":"金融機構自動轉帳金融機構自動轉帳"},"金融機構自動轉帳","金融機構自動轉帳",0.01,0.01]
[null,null,null,null,null,{"$f":"G38&H38","v":"匯款金融機構自動轉帳"},"匯款","金融機構自動轉帳",0.01,0.01]
["核保規則-3",{"$f":"IF(AND(RealAge<15,SA>150000),1,0)","v":0},"1表示要提醒；0表示無須提醒","未滿15足歲之未成年人最高保額為15萬美元限制",null,"金融機構自動轉帳匯款","金融機構自動轉帳","匯款",0.01,0]
["核保規則-4",{"$f":"IF(AND(Occup_Level<=3,Occup_Level>=1,OR(SA<100000,SA>12000000)),1,0)","v":{"$error":"#REF!"}},"1表示要提醒；0表示無須提醒","職業等級1~3 :最低保額10 萬美元，最高保額1,200 萬美元。",null,"匯款匯款","匯款","匯款",0,0]
["核保規則-5",{"$f":"IF(AND(Occup_Level=4,OR(SA<100000,SA>300000)),1,0)","v":{"$error":"#REF!"}},"1表示要提醒；0表示無須提醒","職業等級4 : 最低保額10 萬美元，最高保額30 萬美元。如有不符，需限制輸入及警語提示。"]
["核保規則-6",{"$f":"IF(AND(Occup_Level<=6,Occup_Level>=5,OR(SA<100000,SA>150000)),1,0)","v":{"$error":"#REF!"}},"1表示要提醒；0表示無須提醒","職業等級5-6 : 最低保額10 萬美元，最高保額15 萬美元。如有不符，需限制輸入及警語提示。"]
[]
[null,null,null,null,null,"門檻","%"]
[null,null,null,null,null,0,2.1]
[null,null,null,null,null,31,1.8]
[null,null,null,null,null,41,1.6]
[null,null,null,null,null,51,1.3]
[null,null,null,null,null,61,1.2]
[null,null,null,null,null,71,1.05]
[null,null,null,null,null,91,1]
[]
[]
["定額提領","年齡(起)",null,"提領金額","金額chk","年chk"]
[null,null,null,null,null,null,"1為卡控","0為通過","年齡限制反紅"]
["年齡一",{"$f":"定額提領年齡一","v":50},null,{"$f":"IF(G57=\"1\",0,定額提領金額一)","v":350000},null,null,"定額提領1",null,"定額提領1"]
[null,null,null,null,null,null,{"$f":"IF(定額提領年齡一-age>6,\"0\",\"1\")","v":"0"},null,{"$f":"IF(定額提領年齡一=\"\",0,IF(定額提領年齡一-age>6,\"0\",\"1\"))","v":"0"}]
["年齡二",{"$f":"定額提領年齡二","v":0},null,{"$f":"IF(G59=\"1\",0,定額提領金額二)","v":0},null,null,"定額提領2",null,"定額提領2"]
[null,null,null,null,null,null,{"$f":"IF(AND(定額提領年齡二>定額提領年齡一,定額提領年齡二-age>6),\"0\",\"1\")","v":"1"},null,{"$f":"IF(定額提領年齡二=\"\",\"0\",IF(AND(定額提領年齡二>定額提領年齡一,定額提領年齡二-age>6),\"0\",\"1\"))","v":"0"}]
["年齡三",{"$f":"定額提領年齡三","v":0},null,{"$f":"IF(G61=\"1\",0,定額提領金額三)","v":0},null,null,"定額提領3",null,"定額提領3"]
[null,null,null,null,null,null,{"$f":"IF(AND(定額提領年齡三>定額提領年齡二,定額提領年齡三-age>6),\"0\",\"1\")","v":"1"},null,{"$f":"IF(定額提領年齡三=\"\",\"0\",IF(AND(定額提領年齡三>定額提領年齡二,定額提領年齡三-age>6),\"0\",\"1\"))","v":"0"}]
["年齡Max",null,null,null,"整體檢核PageCheck"]
["年齡Min"]
[]
["階段金額Max"]
["階段金額Min"]
[]
[]
["額外一次提領","年齡(起)",null,"提領金額","金額chk","年chk"]
[]
["年齡一",{"$f":"額外提領年齡一","v":0},null,{"$f":"IF(G72=\"1\",0,額外提領金額一)","v":0},null,null,"定額提領1",null,"定額提領1"]
[null,null,null,null,null,null,{"$f":"IF(額外提領年齡一-age>6,\"0\",\"1\")","v":"1"},null,{"$f":"IF(額外提領年齡一=\"\",0,IF(額外提領年齡一-age>6,\"0\",\"1\"))","v":0}]
["年齡二",{"$f":"額外提領年齡二","v":0},null,{"$f":"IF(G74=\"1\",0,額外提領金額二)","v":0},null,null,"定額提領2",null,"定額提領2"]
[null,null,null,null,null,null,{"$f":"IF(AND(額外提領年齡二>額外提領年齡一,額外提領年齡二-age>6),\"0\",\"1\")","v":"1"},null,{"$f":"IF(額外提領年齡二=\"\",\"0\",IF(AND(額外提領年齡二>額外提領年齡一,額外提領年齡二-age>6),\"0\",\"1\"))","v":"0"}]
["年齡三",{"$f":"額外提領年齡三","v":0},null,{"$f":"IF(G76=\"1\",0,額外提領金額三)","v":0},null,null,"定額提領3",null,"定額提領3"]
[null,null,null,null,null,null,{"$f":"IF(AND(額外提領年齡三>額外提領年齡二,額外提領年齡三-age>6),\"0\",\"1\")","v":"1"},null,{"$f":"IF(額外提領年齡三=\"\",\"0\",IF(AND(額外提領年齡三>額外提領年齡二,額外提領年齡三-age>6),\"0\",\"1\"))","v":"0"}]
["年齡Max",null,null,null,"整體檢核PageCheck"]
["年齡Min"]
[]
["階段金額Max"]
["階段金額Min"]

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[null,null,"錄音專線：0800-727-123"]
[]
["安達人壽傳統型分紅商品招攬過程提示稿"]
[{"$f":"\" □新件  □照會件，要保單號碼 _______________________\"","v":" □新件  □照會件，要保單號碼 _______________________"}]
[{"$f":"\"業務員：\" &資料輸入!E65","v":"業務員：業務員(一)"}]
[{"$f":"IF(age<65,\"□\",\"■\") & \" 被保人：\" & InsName & \"(\" & age & \"歳/\" & IF(sex=1, \"男性\",\"女性\") & \")\"","v":"□ 被保人：被保人(40歳/男性)"}]
[{"$f":"IF(參數!H7<65,\"□\",\"■\") & \" 要保人：\" &參數!H8 & \"(\" & 參數!H7 & \"歳/\" & 參數!H9 & \")\"","v":"□ 要保人：要保人(40歳/男性)"}]
[{"$f":"IF(參數!H10<65,\"□\",\"■\") & \" 繳費人：\" &參數!H11 & \"(\" & 參數!H10 & \"歳/\" & 參數!H12 & \")\"","v":"□ 繳費人：繳費人(40歳/男性)"}]
["同一保單若要保人、被保人、繳費人有二人以上符合高齡，可錄製在同一通音檔內，理專(業務員)唸完該題問項詢問客戶答案時，須逐一唸出客戶名字並請客戶依序回覆。\n重要提醒：銷售過程之錄音或錄影紀錄作業時，不得僅依照提示稿逐字宣讀銷售過程，應以淺顯易懂口語化向當事人進行相關內容之解說（例如:商品重要條款內容、除外責任及商品說明書重要內容等等），充分提醒當事人知悉及進行相關錄音作業。"]
["項次","問項內容（傳統型分紅）"]
[1,{"$f":"IF(age >= 65, 資料輸入!E8 & \"(被保人) \", \"\") &\nIF(holderAge >= 65, 參數!H8 & \"(要保人) \", \"\") &\nIF(payerAge >= 65, 參數!H11 & \"(繳費人) \", \"\") &\n\"先生/女士，您好！\n我是服務於 \" &\n資料輸入!E64 &\n\" 的 \" &\n資料輸入!E65 &\n\"，業務員登錄字號是 \" &\n資料輸入!E66 &\n\"。 \n\" &\nIF(資料輸入!G65 <> \"\", \"及服務於 \" & 資料輸入!E64 & \" 的 \" & 資料輸入!G65 & \"，業務員登錄字號是 \" & 資料輸入!G66 & \"。 \", \"\") &\n\"\n獲得授權可招攬本保險商品。根據法令規定，我將以錄音方式記錄本次銷售過程。請您說出同意或者不同意？(若要保人、被保人或繳費人其中一人不同意，則本次銷售過程終止)。\"","v":"先生/女士，您好！\n我是服務於 安達保經 的 業務員(一)，業務員登錄字號是 0123456789。 \n及服務於 安達保經 的 業務員(二)，業務員登錄字號是 9876543210。 \n獲得授權可招攬本保險商品。根據法令規定，我將以錄音方式記錄本次銷售過程。請您說出同意或者不同意？(若要保人、被保人或繳費人其中一人不同意，則本次銷售過程終止)。"}]
[2,{"$f":"\"這次購買的是安達人壽發行的保險商品-\"&ProductName&\"，此保單是透過\"&資料輸入!E64&\"為銷售通路。\n以下我將說明本商品內容及重要事項，請聽完後逐一回答。\"","v":"這次購買的是安達人壽發行的保險商品-安達人壽美利紅美元分紅終身壽險，此保單是透過安達保經為銷售通路。\n以下我將說明本商品內容及重要事項，請聽完後逐一回答。"}]
[3,{"$f":"\"此次投保本商品的目的及需求為\"&_xlfn.TEXTJOIN(\"、\",TRUE,IF(UPPER(資料輸入!E68:E71)=\"V\",資料輸入!F68:F71,\"\"),IF(UPPER(資料輸入!E72)=\"V\",資料輸入!G72,\"\"))&\"，已完成且確認本商品有符合需求，請問是否正確?\"","v":"此次投保本商品的目的及需求為，已完成且確認本商品有符合需求，請問是否正確?"}]
[4,"您是否清楚本次繳交之保險費是用來購買保險商品，不是辦理定存?"]
[5,{"$f":"\"選擇投保本商品繳費年期\"&參數!B6&\"年期，保障年期至被保險人於保險年齡達110歲，保額為\"&TEXT(參數!B11,\"###,###,##\")&\"美元，請問正確嗎?\"","v":"選擇投保本商品繳費年期3年期，保障年期至被保險人於保險年齡達110歲，保額為100,000美元，請問正確嗎?"}]
[6,{"$f":"\"選擇投保本商品的繳別為\"&ChargeMode&\"；本次繳交之折扣前保費約為 \"&Currency& TEXT(GP_bf_disc,\" ###,###,##0.00\")&\"元，每年需繳交之折扣前保費總計為\"& TEXT(參數!B28/IF(LEFT(ChargeMode,1)=\"月\",2,1)*VLOOKUP(LEFT(ChargeMode,1),參數!$J$23:$L$27,3,FALSE),\"###,###,##0.00\")&\"元。並且確認可以負擔此保費，請問正確嗎?\"","v":"選擇投保本商品的繳別為年繳；本次繳交之折扣前保費約為 美元 20,470.00元，每年需繳交之折扣前保費總計為20,470.00元。並且確認可以負擔此保費，請問正確嗎?"}]
[7,"本商品是以美元繳納保險費，給付各項保險金額也是以美元給付，如果自行以新臺幣兌換美元或以美元兌換新臺幣時匯率有可能漲或跌，這部份是由客戶自行承擔，請問您清楚嗎？"]
[8,"紅利為非保證給付項目，紅利數值僅供參考，不能作為未來各年度實際分紅的保證或推論，請問清楚嗎？"]
[9,"本商品若辦理保險契約終止(解約)，保險公司將給付解約金，解約金將可能低於所繳的保費，請問您清楚嗎?"]
["10_1","本商品重要條款內容及除外責任包括：\n(1) 就保單條款中除外責任(例如要保人故意致被保險人於死、被保險人故意自殺或自成完全失能、被保險人因犯罪處死或拒捕或越獄致死或完全失能等事項)，請問您清楚嗎?"]
["10_2","(2) 就保單條款中重要條款內容(例如契約效力的停止、恢復及終止事由、告知義務與本契約的解除等事項)，請問您清楚嗎?"]
[11,"本商品要保書上的健康詢問事項須由被保險人本人確認及勾選的，請問您清楚嗎？"]
[12,"自簽收保單隔日起算，有10日撤銷契約的權益，請問您清楚嗎?"]
[13,"指定受益人領取的死亡給付和確定年金給付，依照保險法是不得作為被保險人的遺產，但是如果有規避遺產稅之情形時，稽徵機關還是可依照實質課稅原則辦理。請問您清楚嗎？"]
[14,{"$f":"\"最後請您唸出以下聲明文字以確認投保意願。(以下聲明業務人員請勿導讀，如果保戶具有多重身份，可以免唸重複文字。) \" &\n\nIF(參數!H7>=65,CHAR(10) & \"要保人請唸出：我，\"& 參數!H8 &\"已充分了解本商品且符合保險需求，所有文件都會由本人親自簽名投保。\",\"\") &\nIF(age>=65,CHAR(10) &\"被保人請唸出：我，\"&資料輸入!E8 &\"已充分了解本商品且符合保險需求，所有文件都會由本人親自簽名投保。\",\"\")&\nIF(參數!H10>=65,CHAR(10) &\"繳費人請唸出：我，\"&參數!H11&\"已充分了解所付款項是為繳付要保人購買本保險之應繳保險費。\",\"\")","v":"最後請您唸出以下聲明文字以確認投保意願。(以下聲明業務人員請勿導讀，如果保戶具有多重身份，可以免唸重複文字。) "}]
[]
["保險公司專用欄"]
[null,"審核結果","□音檔內容與提示稿內容相符。\n□第　　　　　　　　　　　　    點如上。\n□此通音檔只錄第　　　　　　　    　點。\n□其他：　　　　　　　　　　　　    　。"]
[]
["※錄音提示稿的各項內容需與要保文件內容一致\n※錄音完成請記得按『＃』鍵產出錄音編號，並填入【業務員報告書】。"]

{"sheet":"商品揭露與注意事項","index":6,"n_rows":35,"n_cols":10,"rows_kept":35,"cut":false,"hidden":true,"merged":[[21,0,21,7],[1,9,2,9],[5,9,6,9],[4,0,4,7],[9,0,9,7],[19,0,19,7],[16,0,16,7],[14,0,14,7],[12,0,12,7],[13,0,13,7],[26,0,26,7],[30,0,30,7],[23,0,23,7],[0,0,0,7],[34,0,34,7],[24,0,24,7],[25,0,25,7],[27,0,27,7],[28,0,28,7],[32,0,32,7],[33,0,33,7],[31,0,31,7],[6,0,6,7],[11,0,11,7],[18,0,18,7],[20,0,20,7]]}
["商品揭露及注意事項 "]
["商品名稱: 安達人壽美利如星美元分紅終身壽險",null,null,null,null,null,null,null,null,"列印"]
["商品文號: 中華民國113.07.31安達精字第1130000105號函備查"]
[]
["給付項目: 身故保險金或喪葬費用保險金、完全失能保險金、祝壽保險金、生命末期提前給付保險金(保額)"]
[null,null,null,null,null,null,null,null,null,"回到資料輸入"]
["※本契約於訂立契約前已提供要保人不低於三日之審閱期間。"]
["※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，安達人壽不保證其給付金額(保額)。"]
["※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。"]
[]
["║給付項目║"]
["｢身故保險金或喪葬費用保險金、完全失能保險金｣:被保險人於本契約有效期間內身故或致成保單條款附表所列之完全失能程度之一者，安達人壽分別以保險金額及累計增額分紅保額為基礎各自計算所得金額後，依其加總之值給付「身故保險金」或「完全失能保險金」。\n身故保險金或完全失能保險金為下列三者中之最大者：\n1.身故日或完全失能診斷確定日對應之當年度保險金額。\n2.身故日或完全失能診斷確定日對應之保單價值準備金乘以保單價值準備金比率。\n3.身故日或完全失能診斷確定日對應之年繳保險費總和。\n■ 安達人壽除依前項給付外，另將當時有效之「終極紅利」合併給付。\n■ 訂立本契約時，以未滿十五足歲之未成年人為被保險人，除喪葬費用之給付外，其餘死亡給付之約定於被保險人滿十五足歲之日起發生效力；\n■ 被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金。\n■ 訂立本契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金。\n■ 被保險人同時或先後致成保單條款附表所列兩項以上之完全失能程度者，安達人壽僅給付一項「完全失能保險金」。\n■ 安達人壽給付「身故保險金」或「喪葬費用保險金」後，本契約效力即行終止，不再負給付其餘保險金之責。但要保人有指定分期方式給付身故保險金者，改依保單條款約定辦理。"]
["｢祝壽保險金｣: 被保險人於保險年齡達一百一十歲之保單週年日仍生存且本契約仍屬有效時，安達人壽分別以保險金額及累計增額分紅保額為基礎各自計算所得金額後，依其加總之值給付「祝壽保險金」。祝壽保險金為下列二款計算方式所得金額之較大者：\n1. 保險年齡達一百一十歲之當年度保險金額。\n2. 保險年齡達一百一十歲之年繳保險費總和。\n安達人壽除依前項給付外，另將當時有效之「終極紅利」合併給付。安達人壽給付「祝壽保險金」後，本契約效力即行終止，不再負給付其餘保險金之責。"]
["｢生命末期提前給付保險金｣:被保險人於本契約有效期間內，得因保單條款所約定之「生命末期」，且本契約未變更為減額繳清保險或展期定期保險者，向安達人壽申請一次「生命末期提前給付保險金」，安達人壽將在身故保險金範圍內，按被保險人所指定之比例，將該部分之身故保險金計算六個月貼現給付「生命末期提前給付保險金」。"]
["『分期定期保險金』係指要保人與本分公司約定身故保險金分期給付者，自分期定期給付開始日起，本分公司依分期定期保險金給付期間及保單條款第二條定義之分期定期保險金預定利率將指定保險金換算成每月初應給付之金額，按約定將每期之分期定期保險金給付予受益人。分期定期保險金給付期間屆滿時，本契約即行終止。"]
["║紅利給付項目-非保證給付║"]
["｢保險單紅利的計算與給付(非保證給付)｣\n 本契約有效期間內，安達人壽每一會計年度終了，根據該會計年度分紅保險單的實際經營狀況，依保險單之分紅公式（如保單條款附表），計算該保單年度之保險單紅利，若該保單年度有可分配之保險單紅利，安達人壽依保單條款約定辦理。\n■ 週年紅利：\n  本契約有效期間且自第二保單週年日(即第三保單年度首日)起，安達人壽於每一保單週年日以增額分紅保額分配方式給付週年紅利。但保險期間屆滿當年度之週年紅利，將於保險期間屆滿時改以現金方式一併給付予祝壽保險金受益人。\n■ 終極紅利：\n  本契約有效期間且自第五保單週年日(即第六保單年度首日)起，依下列方式辦理：\n(一) 被保險人身故或致成保單條款附表所列完全失能程度之一者，安達人壽給付終極保額紅利予受益人。\n(二) 要保人依保單條款約定終止本契約時，安達人壽給付終極現金紅利予要保人。\n(三) 被保險人於保險年齡達一百一十歲之保單週年日仍生存者，安達人壽給付終極現金紅利予受益人。"]
["║注意事項║"]
["1.消費者投保前應審慎瞭解本保險商品承保範圍、除外不保事項及商品風險，安達人壽各商品承保範圍及除外不保事項請至https://life.chubb.com/tw-zh/footer/insurance-product.aspx 查詢。"]
["2.本契約於訂立契約前已提供要保人不低於三日之審閱期間。"]
["3.本商品經安達人壽合格簽署人員檢視其內容業已符合一般精算原則及保險法令，惟為確保權益，基於保險公司與消費者衡平對等原則，消費者仍應詳加閱讀保險單條款與相關文件，審慎選擇保險商品。本商品如有虛偽不實或違法情事，應由安達人壽及負責人依法負責。"]
["4.本商品為保險商品，受人身保險安定基金保障，非屬存款，故不受存款保險之保障。"]
["5.本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，安達人壽不保證其給付金額(保額)。"]
["6.本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。"]
["7.保險契約各項權利義務皆詳列於保單條款，消費者務必詳加閱讀了解，並把握保單契約撤銷之時效（收到保單翌日起算十日內）。"]
["8.投保後解約或不繼續繳費可能不利消費者，請慎選符合需求之保險商品。"]
["9.消費者於購買本商品前，應詳閱各種銷售文件，本商品之附加費用率最低16.3%、最高31.8%；如要詳細了解其他相關資訊，安達人壽財務、業務或本商品等公開資訊，歡迎至www.chubblife.com.tw查詢，或電洽免費服務及申訴電話：0800-011-709，或至安達人壽(台北市中正區中華路一段39號6樓)洽詢索取，以保障您的權益。"]
["10.人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。相關例示性案例可至安達人壽網站(www.chubblife.com.tw)下載查詢。"]
["11.本商品文件「僅供參考」，詳細內容依保單條款為準。"]
["12.稅法相關規定之改變可能會影響本商品之相關稅賦。"]
["13.商品保險之收取或返還、支付、年金給付及其他款項收付之幣別，皆以美元為貨幣單位，要保人及受益人須留意美元在未來兌換費成其他外幣將會因匯率不同而產生匯兌上的差異，此差異可能產生收益或造成損失，要保人及受益人需自行承擔該匯率之風險及該幣別所屬國家之政治、經濟變動風險。"]
["14.本保險相關款項之收付，除另有約定外，若產生匯款相關費用時，由匯款人負擔匯款銀行及中間行所收取之相關費用，收款人負擔收款銀行收取之收款手續費。"]
["15.各招攬單位備有本商品之保單條款及相關文件，要保人須詳細閱讀，商品詳細內容以保單條款為憑。"]
["16.本商品銷售文件係由安達人壽核定後統一提供予各招攬單位，其上皆載有安達人壽審核編號。"]
["17.本商品係由安達人壽所發行，並交由合作之保險代理人代為招攬，惟安達人壽與該保險代理人並無僱傭、合夥等關係存在。"]

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[]
[null,{"$f":"ProductName & \" - 建議書摘要\"","v":"安達人壽美利紅美元分紅終身壽險 - 建議書摘要"}]
[null,"商品名稱: 安達人壽美利紅美元分紅終身壽險\n商品文號: 中華民國 113.03.31 安達精字第 1130000058 號函備查\n               中華民國 114.01.01 依金融監督管理委員會 113.09.23 金管保壽字第 1130427324 號函修正\n身故保險金或喪葬費用保險金、完全失能保險金、祝壽保險金、生命末期提前給付保險金\n※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，安達人壽不保證其給付金額(保額)。\n※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。\n※本建議書係招攬人員於銷售過程中提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也將隨之異動，詳細金額仍須以要保書／保單面頁填寫內容為準。\n※本頁非完整文件，請與〈商品揭露及注意事項〉併為審閱。"]
[null,{"$f":"\"要保險人：\"&參數!H8","v":"要保險人：要保人"},null,null,{"$f":"\"保險年齡:   \"&age & \" 歲\"","v":"保險年齡:   40 歲"},{"$f":"\"繳　　別： \"&ChargeMode","v":"繳　　別： 年繳"},{"$f":"\"首期繳費方式 :\"&PayMode1","v":"首期繳費方式 :金融機構自動轉帳"},null,{"$f":"\"首期保費：\"&TEXT(GP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"首期保費：20,470.00 美元"},null,{"$f":"\"首期折扣後保費：\"&TEXT(GP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"首期折扣後保費：20,265.30 美元"},null,{"$f":"\"基本保險金額：\"&TEXT(SA,\"###,###,###.00\")&\" 美元\"","v":"基本保險金額：100,000.00 美元"},null,{"$f":"\"高保費折扣:\"&TEXT(Prem_disc,\"0.00%\")","v":"高保費折扣:0.00%"},null,null,null,null,null,null,null,"列印"]
[null,{"$f":"\"被保險人：\"&InsName","v":"被保險人：被保人"},null,null,{"$f":"\"性　　別： \"&EntryGender","v":"性　　別： 男性"},{"$f":"\"繳費年期:  \"&plan & \" 年期\"","v":"繳費年期:  3 年期"},{"$f":"\"續期繳費方式 :\"&PayMode2","v":"續期繳費方式 :金融機構自動轉帳"},null,{"$f":"\"續期保費：\"&TEXT(RP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"續期保費：20,470.00 美元"},null,{"$f":"\"續期折扣後保費：\"&TEXT(RP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"續期折扣後保費：20,265.30 美元"},null,{"$f":"\"繳費方式折扣 :   \"&IF(PayModeDisc1=1%,TEXT(PayModeDisc1,\"0.00%\"),IF(PayModeDisc2=1%,TEXT(PayModeDisc2,\"0.00%\"),TEXT(0,\"0.00%\")))","v":"繳費方式折扣 :   1.00%"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)",null,null,null,null,null,null,"回到資料輸入"]
[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費","保證給付項目",null,"【非保證給付項目】假設分紅-最可能紅利金額(保額)(中分紅)",null,null,null,null,null,null,"身故/完全失能保障\n(含假設紅利)","可能領取\n總現金金額\n(含假設紅利)",null,"(A+E+F)/\n折扣後累計\n所繳保險費\n(單位: % )",null,null,null,"(B+H+I)/\n折扣後累計\n所繳保險費\n(單位: % )"]
[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額\n分紅保額保單價值準備金","終極\n現金紅利"]
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[null,{"$f":"\"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」\"&TEXT(參數!F14,\"###,###,###.00\")&\"美元及「終極現金紅利」\"&TEXT(參數!F15,\"###,###,###.00\")&\"美元，給付後本契約效力即行終止。\"","v":"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」143,442.00美元及「終極現金紅利」312,452.00美元，給付後本契約效力即行終止。"}]
[null,"※假設紅利為非保證給付項目，紅利數值僅供參考，不能作為未來各年度實際分紅的保證或推論。"]
[null,"※上表各項數值須依保單條款約定計算，數值僅供參考，實際數值可能會有四捨五入之狀況，非為保證數值，未來應以實際辦理金額為準。"]
[null,"※本契約有效期間內，安達人壽每一會計年度終了，根據該會計年度分紅保險單的實際經營狀況，依保險單之分紅公式（如保單條款附表），計算該保單年度之保險單紅利，若該保單年度有可分配之保險單紅利，安達人壽依保單條款約定辦理。"]
[null,"※週年紅利：本契約有效期間且自第二保單週年日(即第三保單年度首日)起，安達人壽於每一保單週年日以增額分紅保額分配方式給付週年紅利。但保險期間屆滿當年度之週年紅利，將於保險期間屆滿時改以現金方式一併給付予祝壽保險金受益人。"]
[null,"※終極紅利：本契約有效期間且自第五保單週年日(即第六保單年度首日)起，依下列方式辦理。"]
[null,"(一) 被保險人身故或致成保單條款附表所列完全失能程度之一者，安達人壽給付終極保額紅利予受益人。"]
[null,"(二) 要保人依保單條款約定終止本契約時，安達人壽給付終極現金紅利予要保人。"]
[null,"(三) 被保險人於保險年齡達一百一十歲之保單週年日仍生存者，安達人壽給付終極現金紅利予受益人。"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費","保證給付項目",null,"【非保證給付項目】假設分紅-較低紅利金額(保額)(低分紅)",null,null,null,null,null,null,"身故/完全失能保障\n(含假設紅利)","可能領取\n總現金金額\n(含假設紅利)",null,"(A+E+F)/\n折扣後累計\n所繳保險費\n(單位: % )",null,null,null,"(B+H+I)/\n折扣後累計\n所繳保險費\n(單位: % )"]
[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額\n分紅保額保單價值準備金","終極\n現金紅利"]
[null,null,null,null,null,"( A )","( B )","( C )","( D )","( E )","( F )","( G )","( H )","( I )","(A)+(E)+(F)","( B )+( H )+( I )"]
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[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額\n分紅保額保單價值準備金","終極\n現金紅利"]
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[null,{"$f":"\"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」\"&TEXT(參數!F16,\"###,###,###.00\")&\"美元及「終極現金紅利」\"&TEXT(參數!F17,\"###,###,###.00\")&\"美元，給付後本契約效力即行終止。\"","v":"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」110,824.00美元及「終極現金紅利」50,413.00美元，給付後本契約效力即行終止。"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費","保證給付項目",null,"【非保證給付項目】假設分紅-可能紅利金額(保額)為零",null,null,null,null,null,null,"身故/完全失能保障\n(含假設紅利)","可能領取\n總現金金額\n(含假設紅利)",null,"(A+E+F)/\n折扣後累計\n所繳保險費\n(單位: % )",null,null,null,"(B+H+I)/\n折扣後累計\n所繳保險費\n(單位: % )"]
[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額\n分紅保額保單價值準備金","終極\n現金紅利"]
[null,null,null,null,null,"( A )","( B )","( C )","( D )","( E )","( F )","( G )","( H )","( I )","(A)+(E)+(F)","( B )+( H )+( I )"]
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[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額\n分紅保額保單價值準備金","終極\n現金紅利"]
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[null,"","",{"$f":"IF(C401=MaxCoverageYear-1,\"***以下空白***\",IF($B402=\"\",\"\",IF($B402>plan,\"\",VLOOKUP($B402,formula!$A$15:$BQ$124,formula!$AM$9,FALSE))))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$BQ$124,formula!$AN$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$AI$124,formula!$C$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$AI$124,formula!$E$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$AI$124,formula!$I$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$AI$124,formula!$R$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$AI$124,formula!$U$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$AI$124,formula!$L$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$EI$124,formula!$EG$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$EI$124,formula!$X$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$EI$124,formula!$O$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$EI$124,formula!$AD$9,FALSE))","v":""},{"$f":"IF($B402=\"\",\"\",VLOOKUP($B402,formula!$A$15:$EI$124,formula!$AG$9,FALSE))","v":""},null,"",null,null,null,""]
[null,{"$f":"\"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」\" & IF(參數!F18=0, \"0.00\", TEXT(參數!F18,\"###,###,###.00\")) & \"美元及「終極現金紅利」\" & IF(參數!F19=0, \"0.00\", TEXT(參數!F19,\"###,###,###.00\")) & \"美元，給付後本契約效力即行終止。\"","v":"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000.00美元及「終極現金紅利」0.00美元，給付後本契約效力即行終止。"}]
[null,"假設紅利為非保證給付項目，紅利數值僅供參考，不能作為未來各年度實際分紅的保證或推論。"]
[null,"上表各項數值須依保單條款約定計算，數值僅供參考，實際數值可能會有四捨五入之狀況，非為保證數值，未來應以實際辦理金額為準。"]
[null,"可分配之保險單紅利，安達人壽依保單條款約定辦理。"]
[null,"   ※週年紅利：本契約有效期間且自第二保單週年日(即第三保單年度首日)起，安達人壽於每一保單週年日以增額分紅保額分配方式給付週年紅利。但保險期間屆滿當年度之週年紅利，將於保險期間屆滿時改以現金方式一併給付予祝壽保險金受益人。"]
[null,"   ※終極紅利：本契約有效期間且自第五保單週年日(即第六保單年度首日)起，依下列方式辦理。"]
[null,"      (一) 被保險人身故或致成保單條款附表所列完全失能程度之一者，安達人壽給付終極保額紅利予受益人。"]
[null,"      (二) 要保人依保單條款約定終止本契約時，安達人壽給付終極現金紅利予要保人。"]
[null,"      (三) 被保險人於保險年齡達一百一十歲之保單週年日仍生存者，安達人壽給付終極現金紅利予受益人。"]
[null,"上表所列各項保險給付項目皆為保單年度末之數值，實際給付金額以保單條款規定為準。"]
[null,"上表累積實繳保費已扣除保費折扣，繳費期內若不符保費折扣條件，上表將不適用。"]
[null,"上表所列之假設紅利數值為假設不同投資報酬率最可能紅利金額(保額) (中分紅)為5.5%; 較低紅利金額(保額) (低分紅)為2.75%，且假設保險期間此投資報酬率均維持不變。每年實際紅利分配的決定係依分紅保單帳戶之經營績效進行評估，最後經董事會核定可分配紅利盈餘與分配予要保人之比例。因此上表數值不代表保單之實際紅利，亦不能作為未來分紅之保證或推論，實際紅利金額可能較高或較低，以安達人壽當時公告之內容為準。投資報酬率係反映分紅保單帳戶之經營績效僅係影響紅利宣告數值的因素之一，且安達人壽並未保證投資報酬率之最低數值。投資報酬率與紅利計算之關係，請詳保單條款附表之「保險單之分紅公式」。"]
[null,"上表年度末各項數值皆為假設數值，本表試算結果與實際系統計算結果可能有四捨五入之誤差，實際金額以給付當時系统計算為主。"]
[null,"如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產及贈與稅法第十七條有關遺產稅喪葬費扣除額之半數為上限給付之，其超過部分安達人壽不負給付責任，安達人壽並應無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。"]
[null,"本保險契约若辦理減額繳清保險或展期定期保險時，上表將不適用。"]
[]
[null,"║警語與注意事項║"]
[null,"1.消費者投保前應審慎瞭解本保險商品承保範圍、除外責任、不保事項及商品風險，相關內容均詳列於保單條款及相關銷售文件，如有疑義請洽詢銷售人員以詳細說明。"]
[null,"2.本契約於訂立契約前已提供要保人不低於三日之審閱期間。"]
[null,"3.本商品經安達人壽合格簽署人員檢視其內容業已符合一般精算原則及保險法令，惟為確保權益，基於保險公司與消費者衡平對等原則，消費者仍應詳加閱讀保險單條款與相關文件，審慎選擇保險商品。本商品如有虛偽不實或違法情事，\n應由安達人壽及負責人依法負責。"]
[null,"4.本商品為保險商品，受人身保險安定基金保障，非屬存款，故不受存款保險之保障。"]
[null,"5.本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，安達人壽不保證其給付金額(保額)。"]
[null,"6.本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。"]
[null,"7.保險契約各項權利義務皆詳列於保單條款，消費者務必詳加閱讀了解，並把握保單契約撤銷之時效（收到保單翌日起算十日內）。"]
[null,"8.投保後解約或不繼續繳費可能不利消費者，請慎選符合需求之保險商品。"]
[null,"9.消費者於購買本商品前，應詳閱各種銷售文件，本商品之附加費用率最低16.3%、最高31.8%；如要詳細了解其他相關資訊，安達人壽財務、業務或本商品等公開資訊，\n歡迎至www.chubblife.com.tw查詢，或電洽免費服務及申訴電話：0800-011-709，或至安達人壽(台北市信義區忠孝東路四段525號7樓)洽詢索取，以保障您的權益。"]
[null,"10.人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。相關例示性案例可至安達人壽網站(www.chubblife.com.tw)下載查詢。"]
[null,"11.本商品文件「僅供參考」，詳細內容依保單條款為準。"]
[null,"12.稅法相關規定之改變可能會影響本商品之相關稅賦。"]
[null,"13.商品保險費之收取或返還、支付、年金給付及其他款項收付之幣別，皆以美元為貨幣單位，要保人及受益人須留意美元在未來兌換成其他外幣將會因匯率不同而產生匯兌上的差異，此差異可能產生收益或造成損失，要保人及受益人需自行承擔該匯率之風險及該幣別所屬國家之政治、經濟變動風險。"]
[null,"14.本保險相關款項之收付，除另有約定外，若產生匯款相關費用時，由匯款人負擔匯款銀行及中間行所收取之相關費用，收款人負擔收款銀行收取之收款手續費。"]
[null,"15.各招攬單位備有本商品之保單條款及相關文件，要保人須詳細閱讀，商品詳細內容以保單條款為憑。"]
[null,"16.本商品銷售文件係由安達人壽核定後統一提供予各招攬單位，其上皆載有安達人壽審核編號。"]
[null,"17.本商品係由安達人壽所發行，並交由合作之保險代理人代為招攬，惟安達人壽與該保險代理人並無僱傭、合夥等關係存在。"]
[null,"18.風險說明：\n(1)匯兌風險: 本契約為外幣計價的保單，各項保險給付及所繳保險費皆以同一外幣幣別計價，要保人或受益人在未來兌換成非原幣別時，將會因時間、匯率的不同，而產生匯兌上的差異。 \n(2)政治風險: 商品貨幣（美元）之匯率可能受其所屬國家之政治因素（大選、戰爭等）而受影響。 \n(3)經濟變動風險 :商品貨幣（美元）之匯率可能受其所屬國家之經濟因素（經濟政策法規的調整、通貨膨脹、市場利率調整等）而受影響。 "]
[]
[null,"※本人已了解保單紅利為非保證給付項目，可能會變動為較高或較低之數字，且在最極端的情況下，紅利可能為零。銷售人員已確實告知上述情事。"]
[null,"※銷售人員已提供『建議書』予要保人，並清楚說明文件內容，要保人聲明已經審閱並瞭解本建議書之說明，並確認銷售人員已分析本人需求，提供符合本人需求之保險商品。"]
[]
[null,"║揭露事項║"]
[]
[]
[]
[]
[]
[null,"安達人壽提醒您，請確認以下事項:\n□我明白此商品為期繳保險商品，需依試算表所列的繳別及保費金額如期繳費，並確認我的財務狀況足以支付此保單所有保費。"]
[]
[]
[null,"要保人簽名：_________________________________________                           未成年人其法定代理人簽名：_________________________________________"]
[]
[]
[]
[null,"保險代理人／經紀人／"]
[null,"　　　　業務員簽名：_________________________________________                    申請日期：____________年____________月____________日"]

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[]
[null,{"$f":"ProductName & \" - 商品利益說明表\"","v":"安達人壽美利紅美元分紅終身壽險 - 商品利益說明表"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,"選擇分紅","中",{"$f":"IF(R2=\"低\",2,IF(R2=\"中\",1,0))","v":1}]
[null,"商品文號： 中華民國107.11.09安達精字第1070137號函備查\n※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，本分公司不保證其給付金額\n※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換\n※本建議書係招攬人員於銷售過程中提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也將隨之異動，詳細金額仍須以要保書／保單面頁填寫內容為準。\n※本頁非完整文件，請與〈商品揭露及注意事項〉併為審閱。"]
[null,"要保險人：",null,{"$f":"HolderName","v":"要保人"},"保險年齡：",{"$f":"age & \" 歲\"","v":"40 歲"},"繳　　別：",{"$f":"ChargeMode","v":"年繳"},"保險金額：",{"$f":"TEXT(SA,\"###,###,###.00\")&\" 元\"","v":"100,000.00 元"},null,null,null,null,null,null,null,"列印"]
[null,"被保險人：",null,{"$f":"InsName","v":"被保人"},"性　　別：",{"$f":"EntryGender","v":"男性"},"繳費年期：",{"$f":"plan & \" 年期\"","v":"3 年期"},"首期繳費方式 :",{"$f":"PayMode1","v":"金融機構自動轉帳"},"續期繳費方式 :",{"$f":"PayMode2","v":"金融機構自動轉帳"}]
[]
[null,"可選擇【高/中/低】分紅，選擇後保險利利說明(不含分紅)&週年紅利利益彙總表&分期定期保險金給付Sheet將同步調整",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回到資料輸入"]
[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費","保證給付項目",null,{"$f":"\"假設分紅-\"&R2&\"分紅(非保證給付項目)\"","v":"假設分紅-中分紅(非保證給付項目)"}]
[null,null,null,null,null,"身故/完全失能保障","解約金","週年紅利",null,null,"終極紅利",null,"身故/完全失能保障\n(含假設紅利)","可能領取\n總現金金額"]
[null,null,null,null,null,null,null,"累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","累計增額分紅保額\n保單價值準備金","終極\n保額紅利","終極\n現金紅利"]
[null,null,null,null,null,"( A )","( B )","( C )","( D )","( E )","( F )","( G )","( A )+( D )+( F )","( B )+( E )+( G )"]
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[null,{"$f":"ProductName&\" - 保險利益分析表\"","v":"安達人壽美利紅美元分紅終身壽險 - 保險利益分析表"}]
[]
[null,{"$f":"\"要保險人：\"&參數!H8","v":"要保險人：要保人"},null,null,{"$f":"\"保險年齡:   \"&age & \" 歲\"","v":"保險年齡:   40 歲"},{"$f":"\"繳　　別： \"&ChargeMode","v":"繳　　別： 年繳"},{"$f":"\"首期繳費方式 :\"&PayMode1","v":"首期繳費方式 :金融機構自動轉帳"},null,{"$f":"\"首期保費：\"&TEXT(GP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"首期保費：20,470.00 美元"},null,{"$f":"\"首期折扣後保費：\"&TEXT(GP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"首期折扣後保費：20,265.30 美元"},null,{"$f":"\"基本保險金額：\"&TEXT(SA,\"###,###,###.00\")&\" 美元\"","v":"基本保險金額：100,000.00 美元"},null,{"$f":"\"高保費折扣:\"&TEXT(Prem_disc,\"0.00%\")","v":"高保費折扣:0.00%"},null,null,null,null,null,"列印"]
[null,{"$f":"\"被保險人：\"&InsName","v":"被保險人：被保人"},null,null,{"$f":"\"性　　別： \"&EntryGender","v":"性　　別： 男性"},{"$f":"\"繳費年期:  \"&plan & \" 年期\"","v":"繳費年期:  3 年期"},{"$f":"\"續期繳費方式 :\"&PayMode2","v":"續期繳費方式 :金融機構自動轉帳"},null,{"$f":"\"續期保費：\"&TEXT(RP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"續期保費：20,470.00 美元"},null,{"$f":"\"續期折扣後保費：\"&TEXT(RP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"續期折扣後保費：20,265.30 美元"},null,{"$f":"\"繳費方式折扣 :   \"&IF(PayModeDisc1=1%,TEXT(PayModeDisc1,\"0.00%\"),IF(PayModeDisc2=1%,TEXT(PayModeDisc2,\"0.00%\"),TEXT(0,\"0.00%\")))","v":"繳費方式折扣 :   1.00%"}]
[]
[null,"本頁面數值依商品利益Sheet所選擇之【高中低】分紅選項同步調整",null,null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)",null,null,null,null,"回到資料輸入"]
[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費","保證給付項目",null,{"$f":"\"【非保證給付項目】假設分紅-最可能紅利金額(保額)(中分紅)\"","v":"【非保證給付項目】假設分紅-最可能紅利金額(保額)(中分紅)"},null,null,null,null,null,null,"身故/完全失能保障\n(含假設紅利)","解約可領取之總金額\n(含假設紅利)","(A+E+F)/\n折扣後累計\n所繳保險費\n(單位: % )","(B+H+I)/\n折扣後累計\n所繳保險費\n(單位: % )"]
[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額\n分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額\n分紅保額保單價值準備金","終極\n現金紅利"]
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[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
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[null,{"$f":"\"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」\" & IF(參數!F14=0, \"0.00\", TEXT(參數!F14,\"###,###,###.00\")) & \"美元及「終極現金紅利」\" & IF(參數!F15=0, \"0.00\", TEXT(參數!F15,\"###,###,###.00\")) & \"美元，給付後本契約效力即行終止。\"","v":"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」143,442.00美元及「終極現金紅利」312,452.00美元，給付後本契約效力即行終止。"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費","保證給付項目",null,{"$f":"\"【非保證給付項目】假設分紅-較低紅利金額(保額)(低分紅)\"","v":"【非保證給付項目】假設分紅-較低紅利金額(保額)(低分紅)"},null,null,null,null,null,null,"身故/完全失能保障\n(含假設紅利)","解約可領取之總金額\n(含假設紅利)","(A+E+F)/\n折扣後累計\n所繳保險費\n(單位: % )","(B+H+I)/\n折扣後累計\n所繳保險費\n(單位: % )"]
[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額\n分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額分紅保額\n保單價值準備金","終極\n現金紅利"]
[null,null,null,null,null,"(A)","(B)","(C)","(D)","(E)","(F)","(G)","(H)","(I)","(A)+(E)+(F)","(B)+(H)+(I)"]
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[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
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[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
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[null,{"$f":"\"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」\" & IF(參數!F16=0, \"0.00\", TEXT(參數!F16,\"###,###,###.00\")) & \"美元及「終極現金紅利」\" & IF(參數!F17=0, \"0.00\", TEXT(參數!F17,\"###,###,###.00\")) & \"美元，給付後本契約效力即行終止。\"","v":"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」110,824.00美元及「終極現金紅利」50,413.00美元，給付後本契約效力即行終止。"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)"]
[null,"保單年度末","保險年齡","每期折扣後\n所繳保險費","累計折扣後\n所繳保險費","保證給付項目",null,{"$f":"\"【非保證給付項目】假設分紅-可能紅利金額(保額)為零 \"","v":"【非保證給付項目】假設分紅-可能紅利金額(保額)為零 "},null,null,null,null,null,null,"身故/完全失能保障\n(含假設紅利)","解約可領取之總金額\n(含假設紅利)","(A+E+F)/\n折扣後累計\n所繳保險費\n(單位: % )","(B+H+I)/\n折扣後累計\n所繳保險費\n(單位: % )"]
[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額\n分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額分紅保額\n保單價值準備金","終極\n現金紅利"]
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[null,null,null,null,null,"身故/完全失能保障","解約金","分紅保額",null,null,null,"解約可領取之金額"]
[null,null,null,null,null,null,null,"增額\n分紅保額","累計增額\n分紅保額","累計增額分紅保額\n身故/完全失能保障","終極\n保額紅利","當年度末增額分紅保額保單價值準備金","累計增額分紅保額\n保單價值準備金","終極\n現金紅利"]
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[null,"","",{"$f":"IF(C378=MaxCoverageYear-1,\"***以下空白***\",IF($B379=\"\",\"\",IF($B379>plan,\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$AM$9,FALSE))))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$AN$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$C$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$E$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$I$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$R$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$U$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$L$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$EI$124,formula!$EG$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$X$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$O$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$AD$9,FALSE))","v":""},{"$f":"IF($B379=\"\",\"\",VLOOKUP($B379,formula!$A$15:$BQ$124,formula!$AG$9,FALSE))","v":""},"",""]
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[null,"","",{"$f":"IF(C380=MaxCoverageYear-1,\"***以下空白***\",IF($B381=\"\",\"\",IF($B381>plan,\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$AM$9,FALSE))))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$AN$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$C$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$E$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$I$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$R$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$U$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$L$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$EI$124,formula!$EG$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$X$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$O$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$AD$9,FALSE))","v":""},{"$f":"IF($B381=\"\",\"\",VLOOKUP($B381,formula!$A$15:$BQ$124,formula!$AG$9,FALSE))","v":""},"",""]
[null,"","",{"$f":"IF(C381=MaxCoverageYear-1,\"***以下空白***\",IF($B382=\"\",\"\",IF($B382>plan,\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$AM$9,FALSE))))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$AN$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$C$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$E$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$I$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$R$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$U$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$L$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$EI$124,formula!$EG$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$X$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$O$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$AD$9,FALSE))","v":""},{"$f":"IF($B382=\"\",\"\",VLOOKUP($B382,formula!$A$15:$BQ$124,formula!$AG$9,FALSE))","v":""},"",""]
[null,"","",{"$f":"IF(C382=MaxCoverageYear-1,\"***以下空白***\",IF($B383=\"\",\"\",IF($B383>plan,\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$AM$9,FALSE))))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$AN$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$C$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$E$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$I$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$R$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$U$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$L$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$EI$124,formula!$EG$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$X$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$O$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$AD$9,FALSE))","v":""},{"$f":"IF($B383=\"\",\"\",VLOOKUP($B383,formula!$A$15:$BQ$124,formula!$AG$9,FALSE))","v":""},"",""]
[null,"","",{"$f":"IF(C383=MaxCoverageYear-1,\"***以下空白***\",IF($B384=\"\",\"\",IF($B384>plan,\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$AM$9,FALSE))))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$AN$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$C$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$E$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$I$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$R$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$U$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$L$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$EI$124,formula!$EG$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$X$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$O$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$AD$9,FALSE))","v":""},{"$f":"IF($B384=\"\",\"\",VLOOKUP($B384,formula!$A$15:$BQ$124,formula!$AG$9,FALSE))","v":""},"",""]
[null,{"$f":"\"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」\" & IF(參數!F18=0, \"0.00\", TEXT(參數!F18,\"###,###,###.00\")) & \"美元及「終極現金紅利」\" & IF(參數!F19=0, \"0.00\", TEXT(參數!F19,\"###,###,###.00\")) & \"美元，給付後本契約效力即行終止。\"","v":"被保險人於保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000.00美元及「終極現金紅利」0.00美元，給付後本契約效力即行終止。"}]
[null,"商品名稱: 安達人壽美利紅美元分紅終身壽險\n商品文號: 中華民國 113.03.31 安達精字第 1130000058 號函備查\n                  中華民國 114.01.01 依金融監督管理委員會 113.09.23 金管保壽字第 1130427324 號函修正 \n給付項目: 身故保險金或喪葬費用保險金、完全失能保險金、祝壽保險金、生命末期提前給付保險金\n\n※本契約於訂立契約前已提供要保人不低於三日之審閱期間。\n※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，安達人壽不保證其給付金額(保額)。\n※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。\n※本建議書係招攬人員於銷售過程中提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也將隨之異動，詳細金額仍須以要保書／保單面頁填寫內容為準。"]
[null,"※上表所列之假設紅利數值為假設不同投資報酬率(最可能紅利金額(保額) (中分紅)為5.5%; 較低紅利金額(保額) (低分紅)為2.75%)，且假設保險期間此投資報酬率均維持不變。\n每年實際紅利分配的決定係依分紅保單帳戶之經營績效進行評估，最後經董事會核定可分配紅利盈餘與分配予要保人之比例。\n因此上表數值不代表保單之實際紅利，亦不能作為未來分紅之保證或推論，實際紅利金額可能較高或較低，以安達人壽當時公告之內容為準。投資報酬率係反映分紅保單帳戶之經營績效僅係影響紅利宣告數值的因素之一，且安達人壽並未保證投資報酬率之最低數值。投資報酬率與紅利計算之關係，請詳保單條款附表之「保險單紅利分配計算公式」。 "]
[null,"※上表所列各項保險給付項目皆為保單年度末之數值，實際給付金額以保單條款規定為準。"]
[null,"※上表累積實繳保費已扣除保費折扣，繳費期內若不符保費折扣條件，上表將不適用。"]
[null,"※如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產及贈與稅法第十七條有關遺產稅喪葬費扣除額之半數為上限給付之，其超過部分安達人壽不負給付責任，安達人壽並應無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。"]
[null,"※本保險契约若辦理減額繳清保險或展期定期保險時，上表將不適用。"]
[null,"║給付項目║"]
[null,"｢身故保險金或喪葬費用保險金、完全失能保險金｣:被保險人於本契約有效期間內身故或致成保單條款附表所列之完全失能程度之一者，安達人壽分別以保險金額及累計增額分紅保額為基礎各自計算所得金額後，依其加總之值給付「身故保險金」或「完全失能保險金」。\n身故保險金或完全失能保險金為下列三者中之最大者：\n1.身故日或完全失能診斷確定日對應之當年度保險金額。\n2.身故日或完全失能診斷確定日對應之保單價值準備金乘以保單價值準備金比率。\n3.身故日或完全失能診斷確定日對應之年繳保險費總和。\n※ 安達人壽除依前項給付外，另將當時有效之「終極紅利」合併給付。\n※ 訂立本契約時，以未滿十五足歲之未成年人為被保險人，除喪葬費用之給付外，其餘死亡給付之約定於被保險人滿十五足歲之日起發生效力；被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金。\n※ 訂立本契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金。\n※ 被保險人同時或先後致成保單條款附表所列兩項以上之完全失能程度者，安達人壽僅給付一項「完全失能保險金」。\n※ 安達人壽給付「身故保險金」或「喪葬費用保險金」後，本契約效力即行終止，不再負給付其餘保險金之責。但要保人有指定分期方式給付身故保險金者，改依保單條款約定辦理。"]
[null,"｢祝壽保險金｣: 被保險人於保險年齡達一百一十歲之保單週年日仍生存且本契約仍屬有效時，安達人壽分別以保險金額及累計增額分紅保額為基礎各自計算所得金額後，依其加總之值給付「祝壽保險金」。祝壽保險金為下列二款計算方式所得金額之較大者：\n1. 保險年齡達一百一十歲之當年度保險金額。\n2. 保險年齡達一百一十歲之年繳保險費總和。\n安達人壽除依前項給付外，另將當時有效之「終極紅利」合併給付。安達人壽給付「祝壽保險金」後，本契約效力即行終止，不再負給付其餘保險金之責。"]
[null,"｢生命末期提前給付保險金｣:被保險人於本契約有效期間內，得因保單條款所約定之「生命末期」，且本契約未變更為減額繳清保險或展期定期保險者，向安達人壽申請一次「生命末期提前給付保險金」，安達人壽將在身故保險金範圍內，按被保險人所指定之比例，將該部分之身故保險金計算六個月貼現給付「生命末期提前給付保險金」。"]
[null,"║紅利給付項目-非保證給付║"]
[null,"｢保險單紅利的計算與給付(非保證給付)｣\n※ 本契約有效期間內，安達人壽每一會計年度終了，根據該會計年度分紅保險單的實際經營狀況，依保險單之分紅公式（如保單條款附表），計算該保單年度之保險單紅利，若該保單年度有可分配之保險單紅利，安達人壽依保單條款約定辦理。\n※ 週年紅利：\n    本契約有效期間且自第二保單週年日(即第三保單年度首日)起，安達人壽於每一保單週年日以增額分紅保額分配方式給付週年紅利。但保險期間屆滿當年度之週年紅利，將於保險期間屆滿時改以現金方式一併給付予祝壽保險金受益人。\n※ 終極紅利：\n    本契約有效期間且自第五保單週年日(即第六保單年度首日)起，依下列方式辦理：\n(一) 被保險人身故或致成保單條款附表所列完全失能程度之一者，安達人壽給付終極保額紅利予受益人。\n(二) 要保人依保單條款約定終止本契約時，安達人壽給付終極現金紅利予要保人。\n(三) 被保險人於保險年齡達一百一十歲之保單週年日仍生存者，安達人壽給付終極現金紅利予受益人。"]
[null,"║警語與注意事項║"]
[null,"1.消費者投保前應審慎瞭解本保險商品承保範圍、除外責任、不保事項及商品風險，相關內容均詳列於保單條款及相關銷售文件，如有疑義請洽詢銷售人員以詳細說明。"]
[null,"2.本契約於訂立契約前已提供要保人不低於三日之審閱期間。"]
[null,"3.本商品經安達人壽合格簽署人員檢視其內容業已符合一般精算原則及保險法令，惟為確保權益，基於保險公司與消費者衡平對等原則，消費者仍應詳加閱讀保險單條款與相關文件，審慎選擇保險商品。本商品如有虛偽不實或違法情事，應由安達人壽及負責人依法負責。"]
[null,"4.本商品為保險商品，受人身保險安定基金保障，非屬存款，故不受存款保險之保障。"]
[null,"5.本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，安達人壽不保證其給付金額(保額)。"]
[null,"6.本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。"]
[null,"7.保險契約各項權利義務皆詳列於保單條款，消費者務必詳加閱讀了解，並把握保單契約撤銷之時效（收到保單翌日起算十日內）。"]
[null,"8.投保後解約或不繼續繳費可能不利消費者，請慎選符合需求之保險商品。"]
[null,"9.消費者於購買本商品前，應詳閱各種銷售文件，本商品之附加費用率最低16.3%、最高31.8%；如要詳細了解其他相關資訊，安達人壽財務、業務或本商品等公開資訊，歡迎至www.chubblife.com.tw查詢，或電洽免費服務及申訴電話：0800-011-709，或至安達人壽(台北市信義區忠孝東路四段525號7樓)洽詢索取，以保障您的權益。"]
[null,"10.人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。相關例示性案例可至安達人壽網站(www.chubblife.com.tw)下載查詢。"]
[null,"11.本商品文件「僅供參考」，詳細內容依保單條款為準。"]
[null,"12.稅法相關規定之改變可能會影響本商品之相關稅賦。"]
[null,"13.商品保險費之收取或返還、支付、年金給付及其他款項收付之幣別，皆以美元為貨幣單位，要保人及受益人須留意美元在未來兌換成其他外幣將會因匯率不同而產生匯兌上的差異，此差異可能產生收益或造成損失，要保人及受益人需自行承擔該匯率之風險及該幣別所屬國家之政治、經濟變動風險。"]
[null,"14.本保險相關款項之收付，除另有約定外，若產生匯款相關費用時，由匯款人負擔匯款銀行及中間行所收取之相關費用，收款人負擔收款銀行收取之收款手續費。"]
[null,"15.各招攬單位備有本商品之保單條款及相關文件，要保人須詳細閱讀，商品詳細內容以保單條款為憑。"]
[null,"16.本商品銷售文件係由安達人壽核定後統一提供予各招攬單位，其上皆載有安達人壽審核編號。"]
[null,"17.本商品係由安達人壽所發行，並交由合作之保險代理人代為招攬，惟安達人壽與該保險代理人並無僱傭、合夥等關係存在。"]
[null,"18.風險說明：\n(1)匯兌風險: 本契約為外幣計價的保單，各項保險給付及所繳保險費皆以同一外幣幣別計價，要保人或受益人在未來兌換成非原幣別時，將會因時間、匯率的不同，而產生匯兌上的差異。 \n(2)政治風險: 商品貨幣（美元）之匯率可能受其所屬國家之政治因素（大選、戰爭等）而受影響。 \n(3)經濟變動風險 :商品貨幣（美元）之匯率可能受其所屬國家之經濟因素（經濟政策法規的調整、通貨膨脹、市場利率調整等）而受影響。 "]
[null,"※本人已了解保單紅利為非保證給付項目，可能會變動為較高或較低之數字，且在最極端的情況下，紅利可能為零。銷售人員已確實告知上述情事。"]
[null,"※銷售人員已提供『建議書』予要保人，並清楚說明文件內容，要保人聲明已經審閱並瞭解本建議書之說明，並確認銷售人員已分析本人需求，提供符合本人需求之保險商品。"]
[null,"║揭露事項║"]
[]
[]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"a"]

{"sheet":"保險單紅利彙總表","index":10,"n_rows":124,"n_cols":20,"rows_kept":124,"cut":false,"hidden":true,"merged":[[3,19,4,19],[120,1,120,13],[8,8,8,10],[8,11,8,12],[7,13,7,17],[8,13,8,15],[8,16,8,17],[1,1,1,17],[2,1,2,17],[121,1,121,17],[3,1,3,2],[4,1,4,2],[7,1,9,1],[7,2,9,2],[8,3,8,5],[8,6,8,7],[7,3,7,7],[7,8,7,12]]}
[]
[null,{"$f":"ProductName & \" - 保險單紅利彙總表\"","v":"安達人壽美利紅美元分紅終身壽險 - 保險單紅利彙總表"}]
[null,"商品文號: 中華民國113.03.31安達精字第1130000058號函備查\n                 中華民國113.07.01安達精字第1130000089號函備查\n※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，本公司不保證其給付金額(保額)。\n※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。\n※本建議書係招攬人員於銷售過程中提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也將隨之異動，詳細金額仍須以要保書／保單面頁填寫內容為準。\n※本頁非完整文件，請與〈商品揭露及注意事項〉併為審閱。"]
[null,"要保險人：",null,{"$f":"參數!H8","v":"要保人"},"保險年齡：",{"$f":"age & \" 歲\"","v":"40 歲"},"繳　　別：",{"$f":"ChargeMode","v":"年繳"},"保險金額：",{"$f":"TEXT(SA,\"###,###,###.00\")&\" 美元\"","v":"100,000.00 美元"},null,null,null,null,null,null,null,null,null,"列印"]
[null,"被保險人：",null,{"$f":"InsName","v":"被保人"},"性　　別：",{"$f":"EntryGender","v":"男性"},"繳費年期：",{"$f":"plan & \" 年期\"","v":"3 年期"},"首期繳費方式：",{"$f":"PayMode1","v":"金融機構自動轉帳"},"續期繳費方式：",{"$f":"PayMode2","v":"金融機構自動轉帳"}]
[]
[null,"本頁面數值依商品利益Sheet所選擇之【高中低】分紅選項同步調整",null,null,null,null,null,null,null,null,"(幣別/單位：美元/元)",null,null,null,null,null,null,null,null,"回到資料輸入"]
[null,"保單年度末","保險年齡","【非保證給付項目】假設分紅-最可能紅利金額(保額)(中分紅)",null,null,null,null,"【非保證給付項目】假設分紅-較低紅利金額(保額)(低分紅)",null,null,null,null,"【非保證給付項目】假設分紅-可能紅利金額(保額)為零"]
[null,null,null,"週年紅利",null,null,"終極紅利",null,"週年紅利",null,null,"終極紅利",null,"週年紅利",null,null,"終極紅利"]
[null,null,null,"增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n保單價值準備金","終極\n保額紅利","終極\n現金紅利","增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n保單價值準備金","終極\n保額紅利","終極\n現金紅利","增額分紅保額","累計增額\n分紅保額","累計增額分紅保額\n保單價值準備金","終極\n保額紅利","終極\n現金紅利"]
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[]
[null,"上表所列之假設紅利數值為假設不同投資報酬率(最可能紅利金額(保額)(中分紅)：5.5%、較低紅利金額(保額)(低分紅)：2.75%)，且假設保險期間此投資報酬率均維持不變。每年實際紅利分配的決定係依分紅保單帳戶之經營績效進行評估，最後經董事會核定可分配紅利盈餘與分配予要保人之比例。因此上表數值不代表保單之實際紅利，亦不能作為未來分紅之保證或推論，實際紅利金額可能較高或較低，以安達人壽當時公告之內容為準。投資報酬率係反映分紅保單帳戶之經營績效僅係影響紅利宣告數值的因素之一，且安達人壽並未保證投資報酬率之最低數值。投資報酬率與紅利計算之關係，請詳保單條款附表之「保險單之分紅公式」。"]
[null,"※假設紅利為非保證給付項目，紅利數值僅供參考，不能作為未來各年度實際分紅的保證或推論。"]
[null,"※上表各項數值須依保單條款約定計算，數值僅供參考，實際數值可能會有四捨五入之狀況，非為保證數值，未來應以實際辦理金額為準。"]

{"sheet":"分期定期保險金給付","index":11,"n_rows":128,"n_cols":14,"rows_kept":128,"cut":false,"hidden":true,"merged":[[3,13,4,13],[6,13,7,13],[3,1,3,2],[4,1,4,2],[123,1,123,7],[7,9,7,11],[9,10,10,10],[9,11,10,11],[6,1,6,11],[8,9,10,9],[8,10,8,11],[9,4,10,4],[7,3,7,5],[8,4,8,5],[8,3,10,3],[9,5,10,5],[1,1,1,11],[2,1,2,9],[7,2,10,2],[7,1,10,1],[9,7,10,7],[7,6,7,8],[8,6,10,6],[8,7,8,8],[9,8,10,8]]}
[]
[null,{"$f":"ProductName & \" - 分期定期保險金給付\"","v":"安達人壽美利紅美元分紅終身壽險 - 分期定期保險金給付"}]
[null,"※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，安達人壽不保證其給付金額(保額)。\n※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換。\n※本建議書係招攬人員於銷售過程中提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也將隨之異動，詳細金額仍須以要保書／保單面頁填寫內容為準。\n※本頁非完整文件，請與〈商品揭露及注意事項〉併為審閱。"]
[null,{"$f":"\"要保險人：\"  & 參數!H8","v":"要保險人：要保人"},null,{"$f":"\"保險年齡：\" & age & \" 歲\"","v":"保險年齡：40 歲"},{"$f":"\"繳　　別：\"  &ChargeMode","v":"繳　　別：年繳"},{"$f":"\"首期繳費方式 :  \"&PayMode1","v":"首期繳費方式 :  金融機構自動轉帳"},{"$f":"\"首期保費 :   \"& TEXT(GP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"首期保費 :   20,470.00 美元"},"首期折扣後保費：",{"$f":"TEXT(GP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"20,265.30 美元"},"基本保險金額：",{"$f":"TEXT(SA,\"###,###,###.00\")&\" 美元\"","v":"100,000.00 美元"},{"$f":"\"高保費折扣:\"&TEXT(Prem_disc,\"0.00%\")","v":"高保費折扣:0.00%"},null,"列印"]
[null,{"$f":"\"被保險人：\" & InsName","v":"被保險人：被保人"},null,{"$f":"\"性　　別：\" & EntryGender","v":"性　　別：男性"},{"$f":"\"繳費年期：\" & plan & \" 年期\"","v":"繳費年期：3 年期"},{"$f":"\"續期繳費方式 :  \" & PayMode2","v":"續期繳費方式 :  金融機構自動轉帳"},{"$f":"\"續期保費:    \" & TEXT(RP_bf_disc,\"###,###,###.00\") & \" 美元\"","v":"續期保費:    20,470.00 美元"},"續期折扣後保費：",{"$f":"TEXT(RP_af_disc,\"###,###,###.00\") & \" 美元\"","v":"20,265.30 美元"},"繳費方式折扣  :",{"$f":"IF(PayModeDisc1=1%,PayModeDisc1,IF(PayModeDisc2=1%,PayModeDisc2,0))","v":0.01}]
[]
[null,"非保證給付項目",null,null,null,null,null,null,null,null,null,null,null,"回到資料輸入"]
[null,"保單年度(末)","保險\n年齡","假設中分紅",null,null,"假設低分紅",null,null,"假設無分紅"]
[null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n(預估值)","當年度末身故/完全失能可領金額",null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n(預估值)","當年度末身故/完全失能可領金額",null,"當年度末\n壽險保障及\n假設紅利_分紅保額\n(預估值)","當年度末身故/完全失能可領金額"]
[null,null,null,null,{"$f":"\"一次給付\n(給付比例\"&TEXT(1-installment_rate,\"0%\")&\")\n(預估值)\"","v":"一次給付\n(給付比例40%)\n(預估值)"},{"$f":"\"每年分期給付\n(給付比例\"&TEXT(installment_rate,\"0%\")&\")\n(預估值)\"","v":"每年分期給付\n(給付比例60%)\n(預估值)"},null,{"$f":"\"一次給付\n(給付比例\"&TEXT(1-installment_rate,\"0%\")&\")\n(預估值)\"","v":"一次給付\n(給付比例40%)\n(預估值)"},{"$f":"\"每年分期給付\n(給付比例\"&TEXT(installment_rate,\"0%\")&\")\n(預估值)\"","v":"每年分期給付\n(給付比例60%)\n(預估值)"},null,{"$f":"\"一次給付\n(給付比例\"&TEXT(1-installment_rate,\"0%\")&\")\n(預估值)\"","v":"一次給付\n(給付比例40%)\n(預估值)"},{"$f":"\"每年分期給付\n(給付比例\"&TEXT(installment_rate,\"0%\")&\")\n(預估值)\"","v":"每年分期給付\n(給付比例60%)\n(預估值)"}]
[]
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[]
[null,"說明:"]
[null,"1.要保人與安達人壽約定身故保險金(不包括變更為喪葬費用保險金)分期給付者，自分期定期給付開始日起，安達人壽依分期定期保險金給付期間及保單條款定義\n之分期定期保險金預定利率將指定保險金換算成每年初應給付之金額，按約定將每期之分期定期保險金給付予受益人。分期定期保險金給付期間屆滿時，本契約即行終止。"]
[null,"2.被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金。"]
[null,"3.每年給付之分期定期保險金低於四千美元者，安達人壽將一次給付指定保險金予本契約受益人，分期定期給付之約定即行終止。"]
[null,"4.本契約於分期定期保險金給付期間，要保人不得變更或終止本契約，且不得以保險契約為質，向安達人壽借款。"]
[null,"5.上表各項數值須依保單條款約定計算，數值僅供參考，實際數值可能會四捨五入之狀況，非為保證數值，未來應以實際辦理金額為準。"]

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[null,"商品文號：中華民國107.11.09安達精字第1070137號函備查\n※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，本分公司不保證其給付金額\n※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換\n※本建議書係招攬人員於銷售過程中提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也將隨之異動，詳細金額仍須以要保書／保單面頁填寫內容為準。"]
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[null,"※若有生存保險金之保單年度，上表減額繳清保險金額/展期定期保險年期之各項數值，已含生存保險金之金額；如要保人於辦理減額繳清保險金額/展期定期保險"]
[null,"   之保單年度，本分公司已給付生存保險金，其計算減額繳清保險金額/展期定期保險所採用之保單價值準備金應扣除已付金額。"]
[null,"※上表年度末繳清與展期之各項數值(不包含保險單週年紅利)供參考，實際數值應以申請當時為準。"]

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[null,"商品文號：中華民國107.11.09安達精字第1070137號函備查\n※本保險為分紅保險單，保單紅利部分非本保險單之保證給付項目，本分公司不保證其給付金額\n※本保險為以外幣收付之非投資型人身保險契約，不得與以新臺幣收付之人身保險契約辦理契約轉換\n※本建議書係招攬人員於銷售過程中提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也將隨之異動，詳細金額仍須以要保書／保單面頁填寫內容為準。\n※本頁非完整文件，請與〈商品揭露及注意事項〉併為審閱。"]
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[null,"給付項目",null,null,null,null,"給付內容說明"]
[]
[null,"生存保險金",null,null,null,null,"係指被保險人於本契約有效期間且保險年齡達六十五歲之保單年度末日及其後每屆滿一年仍生存者，本分公司按當時之「保險金額」及「累計增額繳清保險金額」加總的百分之一給付「生存保險金」，但最高給付至被保險人保險年齡達一百零八歲之保單年度末日為止。"]
[null,"所繳保險費加計利息的退還、\n身故保險金或喪葬費用保險金",null,null,null,null,"係指被保險人於本契約有效期間內身故者，本分公司按下列三款計算方式所得金額之最大者給付「身故保險金」：\n一、身故當時之保險金額。\n二、身故當時之保險金額對應之保單價值準備金。\n三、身故當時之年繳保險費總和扣除已領生存保險金後之金額。\n被保險人於本契約有效且於繳費期間內身故者，本契約當期已繳付之未到期保險費將不予退還，亦不併入身故保險金內給付。\n\n如被保險人於本契約有效且保險年齡達十六歲前身故者，不適用前二項之約定，本分公司改以下列約定辦理：\n一、被保險人於實際年齡滿十五足歲前身故者：本分公司退還所繳保險費加計利息予要保人或應得之人。\n二、被保險人於實際年齡滿十五足歲後身故者：本分公司按所繳保險費加計利息給付身故保險金予受益人。\n\n訂立本契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金。\n本分公司依約負退還所繳保險費加計利息、給付「身故保險金」或喪葬費用保險金之責後，不再負給付其餘保險金之責。"]
[null,"完全失能保險金",null,null,null,null,"係指被保險人於本契約有效期間內致成保單條款附表一所列完全失能程度之一者，經醫院醫師診斷確定後，本分公司按下列三款計算方式所得金額之最大者給付「完全失能保險金」：\n一、完全失能診斷確定當時之保險金額。\n二、完全失能診斷確定當時之保險金額對應之保單價值準備金。\n三、完全失能診斷確定當時之年繳保險費總和扣除已領生存保險金後之金額。\n\n如被保險人於本契約有效且保險年齡達十六歲前致成保單條款附表一所列完全失能程度之一者，不適用前二項之約定，本分公司改按所繳保險費加計利息給付完全失能保險金。\n\n本分公司給付「完全失能保險金」後，本契約效力即行終止。\n本分公司依約負給付「完全失能保險金」之責後，不再負給付其餘保險金之責。"]
[null,"祝壽保險金",null,null,null,null,"係指被保險人於保險年齡達一百一十歲之保單週年日仍生存且本契約仍屬有效時，本分公司按下列三款計算方式所得金額之最大者給付「祝壽保險金」，本契約效力即行終止。\n一、保險年齡達一百一十歲當時之保險金額。\n二、保險年齡達一百一十歲當時之保險金額對應之保單價值準備金。\n三、保險年齡達一百一十歲當時之年繳保險費總和扣除已領生存保險金後之金額。\n\n本分公司依約負給付「祝壽保險金」之責後，不再負給付其餘保險金之責。"]
[null,"生命末期提前給付保險金",null,null,null,null,"係指被保險人於本契約有效期間內，得因保單條款第二條所約定之「生命末期」，且本契約未變更為減額繳清保險或展期定期保險者，向本分公司申請一次「生命末期提前給付保險金」，本分公司將在身故保險金範圍內，按被保險人所指定之比例，將該部分之身故保險金計算六個月貼現給付「生命末期提前給付保險金」。\n\n本分公司給付「生命末期提前給付保險金」後，本契約的保險金額、總保單價值準備金及總解約金，與其他各項保險給付應按被保險人所指定之比例減少之。\n\n被保險人申請將保單條款第十六條約定之身故保險金全部貼現作為生命末期提前給付保險金者，本分公司於給付「生命末期提前給付保險金」後，本契約效力即行終止。\n\n本項計算現值之貼現利率，以本契約之預定利率計算之。"]
[null,"豁免保險費",null,null,null,null,"係指被保險人於本契約有效且在繳費期間內，遭受保單條款第二條約定的疾病或傷害致成保單條款附表二所列第二級至第六級失能程度之一者，經醫院醫師診斷確定後，自診斷確定日起，豁免本契約至繳費期間屆滿前之各期應繳保險費，本契約繼續有效，但不退還當期已繳之未到期保險費。\n\n係指被保險人因本次疾病或傷害所致之失能，如合併本契約訂立後且在本契約有效期間內所致之失能，符合保單條款附表二所列第二級至第六級失能程度之一者，本分公司依前項約定豁免保險費；本契約訂立前(或停效期間)所致之失能，屬已發生之危險，本分公司不負豁免保險費的責任。"]

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[2010,20,1,0,0,0.06,0.82,2.11,3.94,6.39,9.59,13.65,18.670000000000002,24.76,28.85,32.85,36.979999999999997,41.26,45.7,50.28,55.61,60.5,65.459999999999994,77.58,83.25,85.68,88.25,90.89,93.59,96.33,99.08,101.8,104.52,117.02,120.49,123.32,126.23,129.21,132.26,135.37,138.55000000000001,141.80000000000001,145.09,148.44,151.87,155.36000000000001,158.94,162.61000000000001,166.34,170.13,173.99,177.91,181.9,185.96,190.04,194.19,198.4,202.65,206.95,211.33,215.8,220.42,225.17,230.05,234.91,239.68,244.6,249.64,254.78,259.98,265.62,268.06,270.54000000000002,273.02999999999997,275.5,277.95999999999998,280.39,282.79000000000002,285.16000000000003,287.5,289.79000000000002,292.05,294.27999999999997,296.48,298.64999999999998,300.77999999999997,302.86,304.88,306.82,308.69,310.5,312.24,313.92,315.57,317.22000000000003,318.88,320.27999999999997,321.58,322.77999999999997,323.89,324.88,325.77,326.54000000000002,327.19,327.72,328.12,328.38,328.5,328.5,328.5,328.5,328.5,328.5,328.5,0]
[2011,20,1,1,0,0.06,0.85,2.17,4.07,6.6,9.91,14.09,19.28,25.57,29.79,33.92,38.19,42.61,47.19,52.54,57.44,62.41,67.489999999999995,79.97,85.83,88.34,91.01,93.74,96.52,99.35,102.14,104.93,107.75,120.63,124.22,127.15,130.15,133.22999999999999,136.36000000000001,139.56,142.83000000000001,146.16,149.53,152.97999999999999,156.5,160.1,163.80000000000001,167.56,171.38,175.26,179.21,183.23,187.32,191.44,195.61,199.85,204.14,208.47,212.87,217.38,222.04,226.82,231.74,236.63,241.44,246.39,251.47,256.64999999999998,261.89,267.57,270.02999999999997,272.52,275.02999999999997,277.52,280,282.44,284.86,287.25,289.60000000000002,291.91000000000003,294.19,296.43,298.64999999999998,300.83999999999997,302.99,305.07,307.11,309.06,310.95,312.77999999999997,314.52,316.22000000000003,317.88,319.54000000000002,321.20999999999998,322.62,323.93,325.14999999999998,326.26,327.26,328.15,328.93,329.59,330.12,330.52,330.79,330.91,330.91,330.91,330.91,330.91,330.91,330.91,0,0]
[2012,20,1,2,0,0.06,0.87,2.2400000000000002,4.2,6.81,10.220000000000001,14.53,19.88,26.38,30.73,34.99,39.39,43.95,49.31,54.2,59.17,64.25,69.48,82.34,88.39,91,93.75,96.56,99.42,102.29,105.16,108.03,110.94,124.22,127.92,130.94,134.03,137.19,140.41,143.69999999999999,147.04,150.43,153.91,157.44999999999999,161.08000000000001,164.79,168.58,172.42,176.33,180.3,184.34,188.46,192.6,196.8,201.07,205.38,209.73,214.17,218.7,223.39,228.19,233.15,238.06,242.9,247.88,253,258.20999999999998,263.48,269.19,271.67,274.18,276.7,279.2,281.7,284.14999999999998,286.58999999999997,288.99,291.36,293.69,295.98,298.23,300.47000000000003,302.67,304.83,306.93,308.98,310.94,312.83999999999997,314.67,316.43,318.14,319.81,321.48,323.16000000000003,324.58,325.89999999999998,327.12,328.24,329.25,330.15,330.93,331.59,332.13,332.53,332.8,332.92,332.92,332.92,332.92,332.92,332.92,332.92,0,0,0]
[2013,20,1,3,0,0.06,0.9,2.31,4.33,7.01,10.53,14.97,20.48,27.17,31.66,36.04,40.58,45.93,50.81,55.77,60.84,66.06,71.44,84.69,90.93,93.62,96.46,99.34,102.25,105.19,108.14,111.1,114.1,127.77,131.58000000000001,134.69,137.86000000000001,141.1,144.4,147.76,151.16999999999999,154.66,158.22,161.86000000000001,165.6,169.4,173.26,177.19,181.18,185.24,189.38,193.54,197.76,202.05,206.38,210.76,215.21,219.77,224.48,229.31,234.29,239.23,244.09,249.09,254.23,259.47000000000003,264.77,270.51,272.99,275.51,278.05,280.57,283.07,285.54000000000002,287.99,290.39999999999998,292.79000000000002,295.12,297.42,299.69,301.93,304.14,306.32,308.43,310.49,312.45999999999998,314.37,316.20999999999998,317.98,319.7,321.37,323.05,324.74,326.17,327.49,328.72,329.84,330.86,331.76,332.55,333.21,333.75,334.16,334.42,334.54,334.54,334.54,334.54,334.54,334.54,334.54,0,0,0,0]
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[2015,20,1,5,0,7.0000000000000007E-2,0.95,2.44,4.58,7.42,11.14,15.84,21.67,28.75,33.5,38.82,43.63,48.54,53.57,58.75,64.099999999999994,69.63,75.34,89.34,95.94,98.78,101.72,104.71,107.76,110.87,114,117.15,120.32,134.74,138.75,142.01,145.34,148.72,152.15,155.66,159.24,162.91,166.67,170.5,174.38,178.33,182.35,186.44,190.6,194.79,199.04,203.36,207.72,212.12,216.6,221.19,225.93,230.79,235.8,240.77,245.67,250.7,255.88,261.14,266.48,272.25,274.76,277.3,279.85000000000002,282.38,284.89999999999998,287.39,289.85000000000002,292.27999999999997,294.68,297.02999999999997,299.35000000000002,301.63,303.89,306.11,308.3,310.42,312.49,314.48,316.39999999999998,318.26,320.04000000000002,321.76,323.45,325.14,326.83999999999997,328.27,329.61,330.84,331.97,333,333.9,334.7,335.37,335.91,336.32,336.58,336.71,336.71,336.71,336.71,336.71,336.71,336.71,0,0,0,0,0,0]
[2016,20,1,6,0,7.0000000000000007E-2,0.99,2.5299999999999998,4.74,7.69,11.54,16.420000000000002,22.46,29.8,35.42,40.24,45.15,50.18,55.38,60.74,66.290000000000006,72.03,77.95,92.44,99.28,102.17,105.21,108.3,111.47,114.69,117.94,121.2,124.48,139.38999999999999,143.53,146.88999999999999,150.31,153.77000000000001,157.33000000000001,160.94,164.65,168.45,172.32,176.25,180.24,184.3,188.43,192.64,196.88,201.17,205.53,209.94,214.39,218.92,223.56,228.35,233.26,238.32,243.35,248.3,253.39,258.61,263.94,269.33,275.17,277.7,280.26,282.83999999999997,285.39999999999998,287.95,290.45999999999998,292.95,295.41000000000003,297.83,300.20999999999998,302.55,304.86,307.14,309.39,311.60000000000002,313.74,315.83999999999997,317.83999999999997,319.79000000000002,321.66000000000003,323.45999999999998,325.20999999999998,326.91000000000003,328.62,330.34,331.79,333.14,334.38,335.53,336.56,337.48,338.28,338.95,339.5,339.91,340.19,340.31,340.31,340.31,340.31,340.31,340.31,340.31,0,0,0,0,0,0,0]
[2017,20,1,7,0,7.0000000000000007E-2,1.02,2.62,4.91,7.96,11.94,16.989999999999998,23.25,31.56,36.67,41.57,46.6,51.79,57.17,62.73,68.48,74.42,80.55,95.52,102.54,105.52,108.66,111.86,115.14,118.48,121.84,125.21,128.59,143.97999999999999,148.25,151.69999999999999,155.19999999999999,158.78,162.43,166.18,170.01,173.91,177.88,181.91,186.01,190.18,194.42,198.7,203.03,207.43,211.88,216.37,220.95,225.63,230.46,235.42,240.53,245.6,250.59,255.73,261.01,266.38,271.82,277.70999999999998,280.27,282.85000000000002,285.45999999999998,288.04000000000002,290.61,293.14999999999998,295.66000000000003,298.14,300.58999999999997,302.98,305.35000000000002,307.68,309.98,312.25,314.48,316.64,318.76,320.77999999999997,322.74,324.64,326.45,328.22,329.93,331.66,333.4,334.86,336.22,337.48,338.63,339.67,340.6,341.41,342.09,342.64,343.06,343.33,343.46,343.46,343.46,343.46,343.46,343.46,343.46,0,0,0,0,0,0,0,0]
[2018,20,1,8,0,7.0000000000000007E-2,1.05,2.71,5.07,8.23,12.35,17.559999999999999,24.69,32.64,37.83,42.85,48.03,53.39,58.95,64.709999999999994,70.66,76.790000000000006,83.11,98.52,105.77,108.84,112.08,115.4,118.79,122.24,125.71,129.16999999999999,132.65,148.52000000000001,152.9,156.43,160.04,163.72,167.49,171.36,175.29,179.29,183.35,187.48,191.69,195.97,200.27,204.64,209.08,213.56,218.09,222.7,227.42,232.29,237.29,242.44,247.55,252.58,257.76,263.08,268.49,273.97000000000003,279.92,282.49,285.10000000000002,287.72000000000003,290.32,292.92,295.47000000000003,298.01,300.5,302.97000000000003,305.39,307.77,310.12,312.44,314.72000000000003,316.97000000000003,319.14999999999998,321.29000000000002,323.33,325.3,327.20999999999998,329.04,330.82,332.55,334.29,336.04,337.51,338.88,340.15,341.32,342.37,343.3,344.11,344.8,345.36,345.78,346.06,346.18,346.18,346.18,346.18,346.18,346.18,346.18,0,0,0,0,0,0,0,0,0]
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[2010,20,1,0,0,0.06,0.82,2.11,3.94,6.39,9.59,13.65,18.670000000000002,24.76,28.85,32.85,36.979999999999997,41.26,45.7,50.28,55.61,60.5,65.459999999999994,77.58,83.25,85.68,88.25,90.89,93.59,96.33,99.08,101.8,104.52,117.02,120.49,123.32,126.23,129.21,132.26,135.37,138.55000000000001,141.80000000000001,145.09,148.44,151.87,155.36000000000001,158.94,162.61000000000001,166.34,170.13,173.99,177.91,181.9,185.96,190.04,194.19,198.4,202.65,206.95,211.33,215.8,220.42,225.17,230.05,234.91,239.68,244.6,249.64,254.78,259.98,265.62,268.06,270.54000000000002,273.02999999999997,275.5,277.95999999999998,280.39,282.79000000000002,285.16000000000003,287.5,289.79000000000002,292.05,294.27999999999997,296.48,298.64999999999998,300.77999999999997,302.86,304.88,306.82,308.69,310.5,312.24,313.92,315.57,317.22000000000003,318.88,320.27999999999997,321.58,322.77999999999997,323.89,324.88,325.77,326.54000000000002,327.19,327.72,328.12,328.38,328.5,328.5,328.5,328.5,328.5,328.5,328.5,0]
[2011,20,1,1,0,0.06,0.85,2.17,4.07,6.6,9.91,14.09,19.28,25.57,29.79,33.92,38.19,42.61,47.19,52.54,57.44,62.41,67.489999999999995,79.97,85.83,88.34,91.01,93.74,96.52,99.35,102.14,104.93,107.75,120.63,124.22,127.15,130.15,133.22999999999999,136.36000000000001,139.56,142.83000000000001,146.16,149.53,152.97999999999999,156.5,160.1,163.80000000000001,167.56,171.38,175.26,179.21,183.23,187.32,191.44,195.61,199.85,204.14,208.47,212.87,217.38,222.04,226.82,231.74,236.63,241.44,246.39,251.47,256.64999999999998,261.89,267.57,270.02999999999997,272.52,275.02999999999997,277.52,280,282.44,284.86,287.25,289.60000000000002,291.91000000000003,294.19,296.43,298.64999999999998,300.83999999999997,302.99,305.07,307.11,309.06,310.95,312.77999999999997,314.52,316.22000000000003,317.88,319.54000000000002,321.20999999999998,322.62,323.93,325.14999999999998,326.26,327.26,328.15,328.93,329.59,330.12,330.52,330.79,330.91,330.91,330.91,330.91,330.91,330.91,330.91,0,0]
[2012,20,1,2,0,0.06,0.87,2.2400000000000002,4.2,6.81,10.220000000000001,14.53,19.88,26.38,30.73,34.99,39.39,43.95,49.31,54.2,59.17,64.25,69.48,82.34,88.39,91,93.75,96.56,99.42,102.29,105.16,108.03,110.94,124.22,127.92,130.94,134.03,137.19,140.41,143.69999999999999,147.04,150.43,153.91,157.44999999999999,161.08000000000001,164.79,168.58,172.42,176.33,180.3,184.34,188.46,192.6,196.8,201.07,205.38,209.73,214.17,218.7,223.39,228.19,233.15,238.06,242.9,247.88,253,258.20999999999998,263.48,269.19,271.67,274.18,276.7,279.2,281.7,284.14999999999998,286.58999999999997,288.99,291.36,293.69,295.98,298.23,300.47000000000003,302.67,304.83,306.93,308.98,310.94,312.83999999999997,314.67,316.43,318.14,319.81,321.48,323.16000000000003,324.58,325.89999999999998,327.12,328.24,329.25,330.15,330.93,331.59,332.13,332.53,332.8,332.92,332.92,332.92,332.92,332.92,332.92,332.92,0,0,0]
[2013,20,1,3,0,0.06,0.9,2.31,4.33,7.01,10.53,14.97,20.48,27.17,31.66,36.04,40.58,45.93,50.81,55.77,60.84,66.06,71.44,84.69,90.93,93.62,96.46,99.34,102.25,105.19,108.14,111.1,114.1,127.77,131.58000000000001,134.69,137.86000000000001,141.1,144.4,147.76,151.16999999999999,154.66,158.22,161.86000000000001,165.6,169.4,173.26,177.19,181.18,185.24,189.38,193.54,197.76,202.05,206.38,210.76,215.21,219.77,224.48,229.31,234.29,239.23,244.09,249.09,254.23,259.47000000000003,264.77,270.51,272.99,275.51,278.05,280.57,283.07,285.54000000000002,287.99,290.39999999999998,292.79000000000002,295.12,297.42,299.69,301.93,304.14,306.32,308.43,310.49,312.45999999999998,314.37,316.20999999999998,317.98,319.7,321.37,323.05,324.74,326.17,327.49,328.72,329.84,330.86,331.76,332.55,333.21,333.75,334.16,334.42,334.54,334.54,334.54,334.54,334.54,334.54,334.54,0,0,0,0]
[2014,20,1,4,0,0.06,0.93,2.38,4.45,7.22,10.83,15.41,21.08,27.96,32.58,37.1,42.43,47.28,52.22,57.28,62.48,67.849999999999994,73.400000000000006,87.03,93.46,96.22,99.13,102.05,105.02,108.04,111.08,114.14,117.23,131.28,135.19999999999999,138.38,141.63,144.94999999999999,148.32,151.74,155.24,158.81,162.47,166.22,170.04,173.92,177.86,181.86,185.94,190.09,194.27,198.51,202.81,207.16,211.55,216.02,220.6,225.32,230.17,235.17,240.13,245.01,250.03,255.19,260.44,265.76,271.52,274.02,276.55,279.10000000000002,281.62,284.14,286.62,289.07,291.5,293.89,296.23,298.54000000000002,300.82,303.07,305.29000000000002,307.47000000000003,309.58999999999997,311.64999999999998,313.64,315.55,317.39999999999998,319.18,320.89999999999998,322.58,324.27,325.97000000000003,327.39,328.73,329.96,331.08,332.1,333.01,333.8,334.47,335.01,335.41,335.68,335.8,335.8,335.8,335.8,335.8,335.8,335.8,0,0,0,0,0]
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