华彩人生建议书

1、敬致：男宝宝寿险规划师：机：(86-10) 85180966手公司地址：市东长安街1号东方广场东方经贸城E2座12层寿险规划师：业务代码：打印日期：联泰大都会人寿保险联泰大都会人寿保险(以下简称“大都会人寿”)是由大都会大都会下属公司和联和投资合资组建而成。凭借联和投资在保险业的丰富经验以及市场的深刻认识，大都会人寿致力于为中国消费者提供值得信赖和专业的保险方案。大都会人寿通过顾问行销、保险、直效行销和团险等多元，为各地超过二十个城市的消费者提供人寿、健康、意外及储蓄型保险产品等保险服务。如需了解大都会人寿的信息，请登录公司。联和投资作为市国资委下属的国有独资投资公司，充分利用其资源和优势，专

2、注于高科技产业与金融服务产业的投资，致力于推动市乃至的产业创新与发展，为国民经济增长做出贡献。大都会是全球保险和金融服务业的领跑者，具有超过140年的寿险经验。通过遍布世界各地的分支机构向全球9000万名客户提供保险、年金、员工福利计划等服务。大都会是和墨西哥第一大人寿保险公司，为500强里的前100位公司中的91%，以及500强里80%以上的公司提供服务。大都会为个人客户提供寿险、年金、汽车及家居保险、零售业务和其它金融服务等。此外，还为企业和其它机构提供团体保险、退休及储蓄产品和服务。注： 1.2. 发布日期：AXCO 保险信息服务。500强是杂志的一个商标， 系时代旗下之一。本计划内容参

3、考，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 1 页/共保障说明男宝宝的保障图本计划内容参考，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 2 页/共保险险种保险合同类型保险期间保险金额（：）华彩人生两全保险（分红型）主约至88岁100,000元保费明细被保险人信息:被保险人：男宝宝：男出生日期：2投保人信息:投保险人：张先生：男出生日期：35保险费信息：各种交费类型：年交半年交月交-注：不同交费类型的保费数据参考，相关信息以所选交费类型的对应信息为准。本计划内容参考，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 3 页/共险种编码保险险种交费期间

4、交费类型保险金额保险费PED17A A华彩人生两全保险（分红型）1次趸交100,000元1,616,885.0元合计1,616,885.0元总计1,616,885.0元险种特色主险华彩人生两全保险（分红型）-主险快速返还，年年给付退休规划，老有所依祝寿礼金，彰显尊严额外分红，锦上添花本计划内容参考，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 4 页/共保险计划综合利益说明本计划内容参考，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 5 页/共身故保险金：在本合同有效期间内，若被保险人于年满18周岁后的第一个保险单日之前身故，按当时本合同的累计已交保险费与本合同的现

5、金价值的较大者给付身故保险金，本合同终止。在本合同有效期间内，若被保险人于年满18周岁后的第一个保险单日之后（含该保险单日）身故，按以下三项中的金额较大者给付身故保险金，本合同终止。 (1)被保险人身故时本合同累计已交保险费总和的110%，扣除已领取的生存保险金和祝寿金二者的总和之后的余额；(2)本合同所载的基本保险金额的10倍； (3)被保险人身故时本合同的现金价值。生存保险金：自第三个保险单日起至被保险人年满59周岁后的第一个保险单日止，若被保险人生存，于每年的保险单日按本合同所载的基本保险金额的30%即 30,000元给付生存保险金。自被保险人年满60周岁后的第一个保险单 日起至被保险人

6、年满88周岁后的第一个保险单 日为止，若被保险人生存， 于每年的保险单 日按本合同所载的基本保险金额100,000元给付生存保险金。祝寿金：在本合同保险期间内，若被保险人于年满68、78周岁后的第一个保险单日仍生存，分别于该保险单日按本合同所载的基本保险金额的2倍、5倍即 200,000元、500,000元给付祝寿金。满期保险金：若被保险人生存至本合同期满（即被保险人年满88周岁后的首个保险单日），按本合同所载的基本保险金额的10倍1,000,000元给付满期保险金，本合同终止。保险险种利益说明主险华彩人生两全保险（分红型）-主险该产品为分红保险，其红利分配是不确定的保险责任在本合同保险期间内

7、，承担以下保险责任：1、身故保险金在本合同有效期间内，若被保险人于年满18周岁后的第一个保险单日之前身故，按当时本合同的累计已交保险费与本合同的现金价值的较大者给付身故保险金，本合同终止。在本合同有效期间内，若被保险人于年满18周岁后的第一个保险单日之后（含该保险单日）身故，按以下三项中的金额较大者给付身故保险金，本合同终止。(1)被保险人身故时本合同累计已交保险费总和的110%，扣除已领取的生存保险金和祝寿金二者的总和之后的余额；(2)本合同所载的基本保险金额的10倍；(3)被保险人身故时本合同的现金价值。2、生存保险金自第三个保险单日起至被保险人年满59周岁后的第一个保险单日止，若被保险人

8、生存，于每年的保险单日按本合同所载的基本保险金额的30%给付生存保险金。自被保险人年满60周岁后的第一个保险单日起至被保险人年满88周岁后的第一个保险单日为止，若被保险人生存，于每年的保险单日按本合同所载的基本保险金额给付生存保险金。3、祝寿金在本合同保险期间内，若被保险人于年满68、78周岁后的第一个保险单日仍生存，分别于该保险单日按本合同所载的基本保险金额的2倍、5倍给付祝寿金。4、满期保险金若被保险人生存至本合同期满（即被保险人年满88周岁后的首个保险单日），按本合同所载的基本保险金额的10倍给付满期保险金，本合同终止。本合同终止后或效力中止期间，不承担给付保险金的责任。责除一、因下列情

9、形之一导致被保险人身故的，不承担给付身故保险金的责任：1. 您对被保险人的故意、故意；2. 被保险人故意或者抗拒依法采取的刑事强制措施；本计划内容参考，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 6 页/共3.被保险人自本合同成立或者合同效力恢复之日起2年内，但被保险人时为无民事行为能力人的除外；4.被保险人主动吸食或注射；5.被保险人酒后驾驶，无合法有效驾驶证驾驶，或驾驶无有效行驶证的机动车；6.、军事、或叛乱；7.、核辐射或核污染。二、发生上一、1.情形导致被保险人身故的，本合同终止，您已交足2年以上保险费的，向其他权利人退还本合同的现金价值。三、发生上述除一、1.外其他情

10、形导致被保险人身故的，本合同终止，向您退还本合同的现金价值。本计划内容参考，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 7 页/共保险利益演示表1、请您优先关注这份计划提供的“保险利益”;这一部分将使您的家庭/个人获得充分的财务安全规划,进而实现您的财务性。*以下利益演示中的身故/全残给付金额，均是假设客户未发生提前给付责任的情形下的应付金额。 2、有关红利演示：该利益演示基于公司的精算及其他假设，不代表公司的历史经营业绩，也不代表对公司未来经营业绩的预期，保单的红利分配是不确定的。被保险人信息:被保险人：男宝宝：男出生日期：2本计划内容参考，具体内容请以保单条款为准寿险规划师

11、：业务代码：打印日期：第 8 页/共保单年度末保险年龄保险费保险利益(不含累积红利)保单现金价值当年度红利累积红利（累积生息）当年保费累计保费非因意因意外生存 保险利益（包含祝寿金）累计生存保险利益满期保险金低中高低中高外身身故保险金故保险金131,616,885.01,616,885.01,616,8851,616,885-754,722.305,289.5521,158.1937,026.835,289.5521,158.1937,026.8324-1,616,885.01,616,8851,616,885-788,505.015,421.6321,686.5337,951.4210,86

12、9.8743,479.4776,089.0535-1,616,885.01,616,8851,616,88530,00030,000-793,839.345,557.1022,228.4038,899.7116,753.0767,012.25117,271.4346-1,616,885.01,616,8851,616,88530,00060,000-799,429.135,591.0222,364.0739,137.1222,846.6891,386.69159,926.6957-1,616,885.01,616,8851,616,88530,00090,000-805,277.125,625

13、.7922,503.1739,380.5529,157.87116,631.46204,105.0468-1,616,885.01,616,8851,616,88530,000120,000-811,389.625,661.4522,645.7939,630.1435,694.06142,776.19249,858.3379-1,616,885.01,616,8851,616,88530,000150,000-817,776.975,698.0122,792.0339,886.0542,462.89169,851.51297,240.13810-1,616,885.01,616,8851,61

14、6,88530,000180,000-824,452.385,735.4922,941.9740,148.4549,472.27197,889.03346,305.78911-1,616,885.01,616,8851,616,88530,000210,000-831,429.275,773.9323,095.7040,417.4856,730.37226,921.40397,112.431012-1,616,885.01,616,8851,616,88530,000240,000-838,721.265,813.3323,253.3340,693.3364,245.61256,982.374

15、49,719.131113-1,616,885.01,616,8851,616,88530,000270,000-846,342.195,853.7423,414.9540,976.1772,026.72288,106.79504,186.871214-1,616,885.01,616,8851,616,88530,000300,000-854,304.625,895.1723,580.6741,266.1680,082.69320,330.66560,578.641315-1,616,885.01,616,8851,616,88530,000330,000-862,620.615,937.6

16、523,750.5841,563.5288,422.82353,691.16618,959.521416-1,616,885.01,616,8851,616,88530,000360,000-871,301.755,981.2123,924.8341,868.4597,056.71388,226.72679,396.761517-1,616,885.01,616,8851,616,88530,000390,000-880,360.346,025.8824,103.5342,181.18105,994.29423,977.05741,959.841618-1,616,885.01,388,574

17、1,388,57430,000420,000-889,809.796,071.7124,286.8442,501.98115,245.83460,983.20806,720.621719-1,616,885.01,358,5741,358,57430,000450,000-899,733.486,118.7324,474.9142,831.10124,821.93499,287.61873,753.341820-1,616,885.01,328,5741,328,57430,000480,000-910,101.936,167.4424,669.7843,172.11134,734.03538

18、,936.02943,138.051921-1,616,885.01,298,5741,298,57430,000510,000-920,939.606,217.5524,870.2243,522.88144,993.60579,974.321,014,955.072022-1,616,885.01,268,5741,268,57430,000540,000-932,271.326,269.0925,076.3843,883.66155,612.50622,449.931,089,287.382123-1,616,885.01,238,5741,238,57430,000570,000-944

19、,122.496,322.1025,288.3944,254.69166,602.98666,411.821,166,220.692224-1,616,885.01,208,5741,208,57430,000600,000-956,518.886,376.6025,506.4044,636.20177,977.67711,910.571,245,843.512325-1,616,885.01,178,5741,178,57430,000630,000-969,486.476,432.6325,730.5245,028.40189,749.63758,998.411,328,247.22242

20、6-1,616,885.01,148,5741,148,57430,000660,000-983,052.236,490.2325,960.9245,431.61201,932.35807,729.281,413,526.252527-1,616,885.01,118,5741,118,57430,000690,000-997,244.326,549.4526,197.7945,846.13214,539.77858,158.951,501,778.172628-1,616,885.01,088,5741,088,57430,000720,000-1,012,092.206,610.3326,

21、441.3146,272.29227,586.29910,345.031,593,103.812729-1,616,885.01,058,5741,058,57430,000750,000-1,027,626.376,672.9126,691.6346,710.35241,086.79964,347.011,687,607.272830-1,616,885.01,073,8791,073,87930,000780,000-1,043,878.996,737.2526,949.0047,160.74255,056.641,020,226.421,785,396.232931-1,616,885.

22、01,090,8841,090,88430,000810,000-1,060,883.786,803.2927,213.1747,623.05269,511.631,078,046.381,886,581.173032-1,616,885.01,108,6641,108,66430,000840,000-1,078,663.826,871.1227,484.4648,097.81284,468.101,137,872.231,991,276.423133-1,616,885.01,127,2561,127,25630,000870,000-1,097,255.886,940.8027,763.

23、2048,585.59299,942.941,199,771.602,099,600.303234-1,616,885.01,146,6981,146,69830,000900,000-1,116,698.047,012.4228,049.6949,086.96315,953.651,263,814.442,211,675.273335-1,616,885.01,167,0311,167,03130,000930,000-1,137,030.607,086.0328,344.1349,602.23332,518.291,330,073.002,327,627.763436-1,616,885.

24、01,188,2961,188,29630,000960,000-1,158,296.107,161.6928,646.7850,131.86349,655.531,398,621.972,447,588.453537-1,616,885.01,210,5391,210,53930,000990,000-1,180,539.467,239.4828,957.9150,676.35367,384.681,469,538.542,571,692.453638-1,616,885.01,233,8081,233,80830,0001,020,000-1,203,808.337,319.4629,27

25、7.8551,236.24385,725.681,542,902.552,700,079.463739-1,616,885.01,258,1531,258,15330,0001,050,000-1,228,153.337,401.7329,606.9451,812.14404,699.181,618,796.572,832,893.983840-1,616,885.01,283,6281,283,62830,0001,080,000-1,253,627.897,486.3929,945.5652,404.73424,326.551,697,306.032,970,285.533941-1,61

26、6,885.01,310,2881,310,28830,0001,110,000-1,280,288.147,573.5230,294.0953,014.66444,629.871,778,519.303,112,408.764042-1,616,885.01,338,1931,338,19330,0001,140,000-1,308,192.567,663.2230,652.8853,642.55465,631.991,862,527.763,259,423.574143-1,616,885.01,367,4031,367,40330,0001,170,000-1,337,402.587,7

27、55.5631,022.2254,288.89487,356.511,949,425.813,411,495.174244-1,616,885.01,397,9831,397,98330,0001,200,000-1,367,982.657,850.6031,402.3954,954.18509,827.812,039,310.973,568,794.214345-1,616,885.01,430,0021,430,00230,0001,230,000-1,400,001.617,948.4131,793.6455,638.88533,071.052,132,283.943,731,496.9

28、24446-1,616,885.01,463,5341,463,53430,0001,260,000-1,433,534.098,049.0832,196.3356,343.58557,112.262,228,448.793,899,785.414547-1,616,885.01,498,6611,498,66130,0001,290,000-1,468,661.268,152.7232,610.8957,069.05581,978.352,327,913.144,073,848.024648-1,616,885.01,535,4711,535,47130,0001,320,000-1,505

29、,470.818,259.4633,037.8657,816.25607,697.162,430,788.394,253,879.714749-1,616,885.01,574,0561,574,05630,0001,350,000-1,544,056.298,369.4633,477.8458,586.22634,297.532,537,189.884,440,082.324850-1,616,885.01,614,5161,614,51630,0001,380,000-1,584,515.768,482.8533,931.4259,379.98661,809.312,647,237.004

30、,632,664.774951-1,616,885.01,656,9521,656,95230,0001,410,000-1,626,951.918,599.7734,399.0760,198.38690,263.362,761,053.184,831,843.095052-1,616,885.01,701,4711,701,47130,0001,440,000-1,671,471.228,720.3134,881.2361,042.16719,691.572,878,766.015,037,840.54投保人签字： 日期： 本计划内容参考，具体内容请以保单条款为准寿险规划师：业务代码：打印日

31、期：第 9 页/共保单年度末保险年龄保险费保险利益(不含累积红利)保单现金价值当年度红利累积红利（累积生息）当年保费累计保费非因意因意外生存 保险利益（包含祝寿金）累计生存保险利益满期保险金低中高低中高外身身故保险金故保险金5153-1,616,885.01,748,1871,748,18730,0001,470,000-1,718,187.218,844.5535,378.2061,911.86750,126.873,000,507.195,250,887.625254-1,616,885.01,797,2241,797,22430,0001,500,000-1,767,223.748,97

32、2.5835,890.3162,808.04781,603.263,126,412.725,471,222.295355-1,616,885.01,848,7231,848,72330,0001,530,000-1,818,723.259,104.4936,417.9563,731.42814,155.853,256,623.055,699,090.385456-1,616,885.01,902,8571,902,85730,0001,560,000-1,872,856.699,240.4536,961.8164,683.17847,820.983,391,283.555,934,746.26

33、5557-1,616,885.01,959,8281,959,82830,0001,590,000-1,929,827.969,380.7437,522.9565,665.15882,636.353,530,545.016,178,453.805658-1,616,885.02,019,8762,019,87630,0001,620,000-1,989,876.089,525.6838,102.7366,679.79918,641.123,674,564.096,430,487.205759-1,616,885.02,083,2722,083,27230,0001,650,000-2,053,

34、272.009,675.6938,702.7467,729.80955,876.043,823,503.756,691,131.625860-1,616,885.02,150,3112,150,311100,0001,750,000-2,050,310.649,831.1239,324.4868,817.84994,383.443,977,533.346,960,683.415961-1,616,885.02,147,8162,147,816100,0001,850,000-2,047,815.809,747.2938,989.1568,231.011,033,962.234,135,848.

35、497,237,734.926062-1,616,885.02,145,8612,145,861100,0001,950,000-2,045,860.849,663.3538,653.3867,643.421,074,644.454,298,577.327,522,510.396163-1,616,885.02,144,5162,144,516100,0002,050,000-2,044,516.209,579.3238,317.2967,055.261,116,463.104,465,851.937,815,240.966264-1,616,885.02,143,8612,143,86110

36、0,0002,150,000-2,043,860.919,495.1937,980.7766,466.341,159,452.184,637,808.268,116,164.536365-1,616,885.02,143,9912,143,991100,0002,250,000-2,043,990.819,410.9037,643.6165,876.321,203,646.654,814,586.128,425,525.796466-1,616,885.02,145,0282,145,028100,0002,350,000-2,045,027.839,326.4137,305.6565,284

37、.881,249,082.464,996,329.358,743,576.446567-1,616,885.02,147,1252,147,125100,0002,450,000-2,047,124.509,241.6936,966.7764,691.841,295,796.625,183,186.009,070,575.576668-1,616,885.02,150,4632,150,463300,0002,750,000-1,850,462.909,156.7336,626.9064,097.081,343,827.255,375,308.489,406,789.926769-1,616,

38、885.01,943,9201,943,920100,0002,850,000-1,843,919.538,371.4733,485.8658,600.261,392,513.545,570,053.599,747,593.886870-1,616,885.01,938,1481,938,148100,0002,950,000-1,838,148.158,269.0133,076.0357,883.051,442,557.965,770,231.2310,097,904.756971-1,616,885.01,933,3051,933,305100,0003,050,000-1,833,304

39、.788,166.2432,664.9457,163.651,494,000.945,976,003.1110,458,005.547072-1,616,885.01,929,5671,929,567100,0003,150,000-1,829,567.478,063.0632,252.2456,441.421,546,884.036,187,535.4410,828,187.137173-1,616,885.01,927,1381,927,138100,0003,250,000-1,827,138.097,959.2931,837.1855,715.061,601,249.846,404,9

40、98.6811,208,747.807274-1,616,885.01,926,2511,926,251100,0003,350,000-1,826,250.967,854.6231,418.4854,982.351,657,141.966,628,567.1211,599,992.587375-1,616,885.01,927,1781,927,178100,0003,450,000-1,827,177.797,748.5630,994.2354,239.901,714,604.786,858,418.3612,002,232.267476-1,616,885.01,930,2401,930

41、,240100,0003,550,000-1,830,240.017,640.3930,561.5653,482.741,773,683.317,094,732.4712,415,781.977577-1,616,885.01,935,8191,935,819100,0003,650,000-1,835,818.647,529.1130,116.4352,703.761,834,422.927,337,690.8712,840,959.197678-1,616,885.01,944,3711,944,371600,0004,250,000-1,344,370.597,413.2729,653.

42、0951,892.911,896,868.887,587,474.6913,278,080.887779-1,616,885.01,417,1601,417,160100,0004,350,000-1,317,160.155,540.8622,163.4338,786.011,959,315.817,837,262.3613,715,209.327880-1,616,885.01,389,0641,389,064100,0004,450,000-1,289,063.685,373.0421,492.1837,611.312,023,468.328,093,872.4114,164,276.91

43、7981-1,616,885.01,359,9351,359,935100,0004,550,000-1,259,935.065,200.6620,802.6436,404.612,089,373.038,357,491.2214,625,609.838082-1,616,885.01,329,5741,329,574100,0004,650,000-1,229,574.075,022.8820,091.5235,160.172,157,077.108,628,307.4815,099,538.298183-1,616,885.01,297,7241,297,724100,0004,750,0

44、00-1,197,724.124,838.6619,354.6333,870.602,226,628.078,906,511.3315,586,395.048284-1,616,885.01,264,0501,264,050100,0004,850,000-1,164,050.104,646.6918,586.7532,526.802,298,073.609,192,293.4216,086,513.698385-1,616,885.01,228,1141,228,114100,0004,950,000-1,128,113.864,445.3617,781.4531,117.532,371,4

45、61.179,485,843.6716,600,226.638486-1,616,885.01,189,3401,189,340100,0005,050,000-1,089,340.454,232.7016,930.8029,628.902,446,837.719,787,349.7817,127,862.338587-1,616,885.01,146,9711,146,971100,0005,150,000-1,046,971.374,006.2816,025.1428,043.992,524,249.1210,096,995.4117,669,742.198688-1,616,885.01

46、,100,0001,100,000100,0005,250,0001,000,000-3,763.2015,052.7926,342.382,603,739.7910,414,958.0618,226,176.84累积生息演示表客户服务：生存保险金累积生息为您提供生存保险金累积生息的客户服务，如果您不领取生存保险金，留在本公司，积生息利率来计息。按当时确定的累如下为生存保险金累积生息演示，是假设客户的生存保险金一直不领取，放在本公司累积生息的情况下，生存保险金利益及其累计利息的总金额，利率可能高于或低于本栏演示。参考，不能理解为对未来累积利率的预期；累积利率是非保证的，实际的累积本计划内容参考

47、，具体内容请以保单条款为准寿险规划师：业务代码：打印日期：第 10 页/共保单年度末被保险人当年生存保险金累计生存保险金（累积生息）02-13-24-3530,00030,0004630,00060,9005730,00092,7276830,000125,5097930,000159,27481030,000194,05291130,000229,874101230,000266,770111330,000304,773121430,000343,916131530,000384,234141630,000425,761151730,000468,534161830,000512,59017

48、1930,000557,967182030,000604,706192130,000652,848202230,000702,433212330,000753,506222430,000806,111232530,000860,295242630,000916,103252730,000973,587262830,0001,032,794272930,0001,093,778283030,0001,156,591293130,0001,221,289303230,0001,287,928313330,0001,356,566323430,0001,427,262333530,0001,500,080343630,0001,575,083353730,0001,652