天安人壽紅天利D款兩全保險(xiǎn)（分紅型）產(chǎn)品說明書

天安人壽保險(xiǎn)股份有限公司天安人壽紅天利D款兩全保險(xiǎn)（分紅型）終了紅利在合同生效一年后，因被保險(xiǎn)人身故、投保人解除保險(xiǎn)合同、發(fā)生責(zé)任被保險(xiǎn)人生存至保險(xiǎn)期間屆滿，本公司按基本保險(xiǎn)金額與累積紅利保險(xiǎn)金額二者之和給付滿期生存保險(xiǎn)被保險(xiǎn)人于本合同生效之日起一年內(nèi)因疾病身故，本公司給付疾病身故保險(xiǎn)金，其金額為本保險(xiǎn)實(shí)際交被保險(xiǎn)人于本合同生效之日起一年后因疾病身故，本公司按基本保險(xiǎn)金額與累積紅利保險(xiǎn)金額二者之和額與累積紅利保險(xiǎn)金額二者之和的二倍給付意外傷害身故保險(xiǎn)金，本合被保險(xiǎn)人以乘客身份乘坐火車、輪船或公共汽車，駕駛或乘坐私家車、單位公務(wù)或商務(wù)用車，在交通工具內(nèi)因交通工具發(fā)生意外導(dǎo)致身故的，本公司按基本保險(xiǎn)金額與累積紅利保險(xiǎn)金額二者之和的三倍給付特定本公司為投保人提供減保、保單質(zhì)押貸款等權(quán)利，投保人可根據(jù)條款規(guī)定辦理相關(guān)手分紅保險(xiǎn)投資是在確保本金安全的基礎(chǔ)上，根據(jù)資產(chǎn)負(fù)債匹配的投資原則，兼顧不同投資品種的利率風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)以及流動(dòng)性風(fēng)險(xiǎn)，通過對(duì)固定收益資產(chǎn)和權(quán)益資產(chǎn)的動(dòng)態(tài)配置和有效的組合管理，分紅保險(xiǎn)投資將根據(jù)保險(xiǎn)人所能承受的風(fēng)險(xiǎn)以及該保險(xiǎn)的負(fù)債特征和產(chǎn)品特征，結(jié)合各投資品種的風(fēng)險(xiǎn)本產(chǎn)品采用增額紅利方式進(jìn)行分紅，紅利分配形式包括年度分紅和終年度分紅分配的紅利稱為年度紅利。年度紅利以增加保險(xiǎn)金額的形式實(shí)現(xiàn)，即在上一保單年度保險(xiǎn)金額的基礎(chǔ)上，增加保險(xiǎn)金額，所增加的保險(xiǎn)金額一經(jīng)確定則與原保險(xiǎn)金額同樣得到保證，并同時(shí)計(jì)入下一次年度紅利分配的基礎(chǔ)，也就是說，年度紅利是按照年復(fù)利方式分配的。本公司將承擔(dān)提供上述保證帶來的一切終了分紅分配的紅利稱為終了紅利。終了紅利在合同生效一年后，因被保險(xiǎn)人身故、投保人解除保險(xiǎn)合本公司根據(jù)分紅業(yè)務(wù)的實(shí)際經(jīng)營狀況核算出當(dāng)年度分紅保險(xiǎn)業(yè)務(wù)總盈余，并在此基礎(chǔ)上確定當(dāng)年的可分年度紅利來源于可分配盈余。本公司將本著以豐補(bǔ)歉、穩(wěn)健經(jīng)營的原則，平衡各個(gè)年度的分紅，確定適終了紅利來源于未分配盈余。未分配盈余主要是為了使各年度分紅趨于平穩(wěn)、維持分紅保險(xiǎn)財(cái)務(wù)償付能本公司分紅產(chǎn)品的分紅水平將根據(jù)分紅業(yè)務(wù)的經(jīng)營狀況確定，同時(shí)綜合考慮客戶的合理預(yù)期、市場環(huán)境等因素。每份保單的紅利水平可能因保險(xiǎn)單特性（基本保險(xiǎn)金額、保單經(jīng)過年度、性別、投保年齡等）的差自然日的期間，您在上述期間內(nèi)要求解除本合同的，應(yīng)書面提出合同解除申請(qǐng)，并提供您的保險(xiǎn)合同及有效天安人壽紅天利D款兩全保險(xiǎn)（分紅型）產(chǎn)品說明書5被保險(xiǎn)人性別男基本保險(xiǎn)金額105,600被保險(xiǎn)人年齡30周歲一次交清保險(xiǎn)費(fèi)100,000保險(xiǎn)期間5年年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金（不含紅利）意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利00000000000010105,600100,000211,200316,800095,800317317287287020105,600105,600211,200316,800098,100318635295590030105,600105,600211,200316,8000100,600319954304908040105,600105,600211,200316,8000103,1003201,2743121,242050105,600105,600211,200316,800105,600105,6003211,5953211,59550年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利00000000000010105,600100,000211,200316,800095,8001,1621,1621,0541,05425320105,600105,600211,200316,800098,1001,1742,3361,0912600105,600211,200316,8000100,6001,1873,5231,1313,3561,49440105,600105,600211,200316,8000103,1001,2004,7231,1714,6102,17950105,600105,600211,200316,800105,600105,6001,2145,9371,2145,9372,977天安人壽紅天利D款兩全保險(xiǎn)（分紅型）產(chǎn)品說明書6年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利00000000000010105,600100,000211,200316,800095,8001,5841,5841,4371,4371,13720105,600105,600211,200316,800098,1001,6083,1921,4942,9662,71430105,600105,600211,200316,8000100,6001,6324,8241,5544,5944,43140105,600105,600211,200316,8000103,1001,6566,4801,6166,3246,31250105,600105,600211,200316,800105,600105,6001,6818,1611,6818,1618,4322、本合同自生效日起未滿一個(gè)完整保險(xiǎn)單年度期間而終止的，公司不進(jìn)3、終了紅利在合同生效一年后，因被保險(xiǎn)人身故、投保人解除保險(xiǎn)合同、發(fā)生責(zé)任免除事項(xiàng)或保險(xiǎn)期間屆滿等情形導(dǎo)致的合同終止天安人壽紅天利D款兩全保險(xiǎn)（分紅型）產(chǎn)品說明書7被保險(xiǎn)人性別男基本保險(xiǎn)金額112,700被保險(xiǎn)人年齡30周歲一次交清保險(xiǎn)費(fèi)100,000保險(xiǎn)期間8年年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金（不含紅利）意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利0000000000003110100,000100,000225,400338,100095,00033833828528503220100,000225,400338,100097,40033967729358503330100,000225,400338,100099,8003401,01730190003440100,000225,400338,1000102,2003411,3583091,23203550100,000225,400338,1000104,8003431,7013191,5813660100,000225,400338,1000107,3003432,0443271,9473770100,000225,400338,10003442,3883362,3302193880100,000225,400338,1003452,7333452,733328年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金（不含紅利）意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利0000000000003110100,000100,000225,400338,100095,0001,2401,2401,0461,0462323220100,000225,400338,100097,4001,2532,4931,0832,1548333330100,000225,400338,100099,8001,2673,7601,1223,3291,4833440100,000225,400338,1000102,2001,2815,0411,1624,5732,1863550100,000225,400338,1000104,8001,2956,3361,2045,8892,9313660100,000225,400338,1000107,3001,3107,6461,2487,2823,760天安人壽紅天利D款兩全保險(xiǎn)（分紅型）產(chǎn)品說明書83770100,000225,400338,10001,3248,9701,2928,7544,6373880100,000225,400338,1001,33810,3081,33810,3085,589年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金（不含紅利）意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利0000000000003110100,000100,000225,400338,100095,0001,6911,6911,4261,4261,1093220100,000225,400338,100097,4001,7153,4061,4822,9432,6773330100,000225,400338,100099,8001,7425,1481,5424,5584,3983440100,000225,400338,1000102,2001,7686,9161,6046,2746,2873550100,000225,400338,1000104,8001,7948,7101,6688,0968,3443660100,000225,400338,1000107,3001,82110,5311,73410,03010,6193770100,000225,400338,10001,84912,3801,80412,08213,0893880100,000225,400338,1001,87614,2561,87614,25615,7932、本合同自生效日起未滿一個(gè)完整保險(xiǎn)單年度期間而終止的，公司不進(jìn)3、終了紅利在合同生效一年后，因被保險(xiǎn)人身故、投保人解除保險(xiǎn)合同、發(fā)生責(zé)任免除事項(xiàng)或保險(xiǎn)期間屆滿等情形導(dǎo)致的合同終止天安人壽紅天利D款兩全保險(xiǎn)（分紅型）產(chǎn)品說明書9被保險(xiǎn)人性別男基本保險(xiǎn)金額118,100被保險(xiǎn)人年齡30周歲一次交清保險(xiǎn)費(fèi)100,000保險(xiǎn)期間10年年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利0000000000003110100,000100,000236,200354,300094,90035435428528503220100,000236,200354,300097,20035671029358503330100,000236,200354,300099,6003561,06630089903440100,000236,200354,3000102,1003581,4243091,23103550100,000236,200354,3000104,6003581,7823171,57803660100,000236,200354,3000107,2003602,1423271,94333770100,000236,200354,3000109,8003612,5033362,3273880100,000236,200354,30003612,8643442,7282083990100,000236,200354,30003633,2273543,150292400100,000236,200354,3003643,5913643,591435年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值累積紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值終了紅利0000000000003110100,000100,000236,200354,300094,9001,2991,2991,0441,0443220100,000236,200354,300097,2001,3132,6121,0812,1517373330100,000236,200354,300099,6001,3283,9401,1203,3241,3853440100,000236,200354,3000102,1001,3435,2831,1614,5662,085天安人壽紅天利D款兩全保險(xiǎn)（分紅型）產(chǎn)品說明書3550100,000236,200354,3000104,6001,3576,6401,2025,8802,8413660100,000236,200354,3000107,2001,3728,0121,2457,2693,6523770100,000236,200354,3000109,8001,3879,3991,2898,7374,5323880100,000236,200354,30001,40310,8021,33610,2895,4773990100,000236,200354,30001,41812,2201,3846,467400100,000236,200354,3001,43313,6531,43313,6537,585年齡保單年度末各年度保險(xiǎn)費(fèi)累計(jì)保險(xiǎn)費(fèi)基本保險(xiǎn)金額疾病身故保險(xiǎn)金意外傷害身故保險(xiǎn)金（不含紅利）特定交通工具意外傷害身故保險(xiǎn)金（不含紅利）滿期生存保險(xiǎn)金基本保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)金價(jià)值當(dāng)年紅利保險(xiǎn)金額累積紅利保險(xiǎn)金額當(dāng)年紅利保險(xiǎn)金額對(duì)應(yīng)的現(xiàn)