恆富傳承分紅終身保險 / Perpetual Life Plan
 產品類型

恆富傳承分紅終身保險

恆富傳承分紅終身保險 (OIU)

中華民國106.01.01 安達精字第1060001號(OIU)函

令您的財富穩健增長,締造真正終身的保障。

 

計畫特點

適合資產保障及資產移轉,透過保額及累積紅利來累積終身保障效果更佳
要保人可行使年金選擇,將全數或部分解約價值轉換為年金,作為退休規劃
連生保單提供夫婦更彈性的投保選擇

基本資料

基本資料

 

 

 

個人型2

連生型2

投保年齡

躉繳、 5年繳 : 18至70歲  、20年繳 : 18至65歲

幣別

美元

保障年期

終身

繳費年期

躉繳 /5年 /20年

最低保額

500,000 美元

最高保額

視投保人個別狀況而訂

紅利3

•週年紅利:於保單週年日給付週年紅利。

•忠誠紅利:為忠誠紅利率乘以當年度保險金額﹔忠誠紅利將於第20個保單週年日及其後每5個保單週年日給付。

紅利運用選擇

週年紅利或忠誠紅利可選擇以下3種紅利運用選擇:

a. 儲存生息

b. 抵繳保險費(躉繳除外)

c. 現金給付。

身故給付4

被保險人身故當時之保險金額+紅利價值4(如有)-任何未繳清之保險費、借款、自動墊繳保險費及其累積利息(如有)

解約價值

現金價值+紅利價值4(如有)-任何未繳清之保險費、借款、自動墊繳保險費及其累積利息(如有)

年金選擇

•定額終身年金

•20年年金保證期間的定額終身年金

  備註:

1. 有關詳細內容及規定,請參閱保單條款。

2. 可選擇個人型(單一被保險人)或連生型(兩位被保險人,僅適用已婚夫妻)。

3. 紅利:週年紅利及忠誠紅利並非保證,其給付與金額由本分公司全權決定。

4. 紅利價值:指任何週年紅利及忠誠紅利之餘額總和。

5. 連生保險將於最後一位仍生存之被保險人身故後給付。

 

 

了解更多商品內容

上述資料只供參考,並非保單的一部分。詳細說明請參閱保單條款。

 

條款

 

 

繳費方式

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Perpetual Life Plan (OIU)

中華民國106.01.01 安達精字第1060001號(OIU)函

Maintaining your wealth means keeping it safe and secure throughout your lifetime. With the Perpetual Life Series, Chubb key to whole life protection for true lifelong coverage, with no age limit

HIGHLIGHT

Good for asset protection and asset transfer and the effect is even better with the help of accumulated dividends
A policyholder can exercise the annuity option to fully/partially transfer cash value for retirement planning
Joint-life to offer couples another insurance option

 

BASIC POLICY INFORMATION

 

Basic Information

 

Single Life3

Joint Life3

Insure Age

Single、  5-year Payment:Ages 18-70 、  20-year Payment:Ages 18-65

Currency

US Dollar

Benefit term

Whole Life

Premium Payment Term

Single/5-year/20-year Payment

Minimum Face Amount

USD 500,000

Maximum Face Amount

Individual Consideration

Dividends2

Annual Dividends & Loyalty Dividends

Dividend Options

You may select one of the three options listed below:

• Dividend Accumulation

• Premium Reduction(except for Single-Pay case)

• Cash

Death Benefit

Face Amount+Dividend Value4(if any)-outstanding premiums and loans together with accrued interest rates(if any)

Surrender Value

Cash Value+ Dividend Value4(if any)-outstanding premium and loans together with accrued interest rates(if any)

Annuity Options

•Fixed Income Life Annuity

•Fixed Income Life Annuity with 20-Year Annuity Income Payment Guarantee Period

Remarks:

1.Please refer to the policy document of this plan for the exact terms and conditions.
2.Annual Dividends and Loyalty Dividends are not guaranteed. Payment and amount of Annual Dividends and Loyalty Dividends are determined by the Company at its sole discretion from time to time.
3.The Joint Life Option is available to married couples : others subject to Company's decision. Second death means the death of the last surviving Insured.
4.Dividend Value is the balance of any accumulated Annual Dividends and Loyalty Dividends.
5.Joint Life case will pay Death Benefit after the last surviving Insured who died.

PRODUCT DETAILS

The above information is intended to be a general summary for reference only and does not from part of the policy. You should refer to the Product Fact Sheet for further details. For exact terms, conditions and exclusions, please refer to the policy provisions.

PROVISIONS

 

PAYMENT METHODS

FORMS