产品红利来源于死差 利差和费差等所产生的可分配盈余, 即保险公司实际经营成果与定价假设的差异造成的可分配盈余 本公司依托先进的专业投资管理经验, 对分红保险产品采用稳健的投资策略, 精心配置投资组合, 追求长期稳定增长和可持续的投资回报 分红保险的红利分配具有不确定性, 未来红利水平将由公司分红保险

Transcription

1 中宏宏越人生年金保险 ( 分红型 ) 产品说明书 风险提示 : 该产品为分红保险, 其红利分配是不确定的, 在某些年度红利可能为零 保险责任一 生存年金自第五个保险合同周年日起, 若被保险人在每个保险合同周年日 ( 含保险合同期满日 ) 生存, 本公司将按本合同当时的的百分之十 (10%) 给付生存年金 二 祝寿金若被保险人投保时的年龄小于等于六十五周岁, 且在被保险人七十周岁至七十九周岁的每个保险合同周年日生存, 本公司将按本合同累计已缴保险费的百分之十 (10%) 给付祝寿金 ; 若被保险人投保时的年龄大于六十五周岁, 且在第五个保险合同周年日至第十四个保险合同周年日的每个保险合同周年日生存, 本公司将按本合同累计已缴保险费的百分之十 (10%) 给付祝寿金 上述 祝寿金 中的 累计已缴保险费 将按照本合同当时的在被保险人投保时的年龄所对应的期交保险费以及已缴的缴费期数计算 ; 若以趸缴方式缴付保险费的, 则按照本合同当时的在被保险人投保时的年龄所对应的趸缴保险费进行计算 三 身故保险金若被保险人身故, 本公司将给付身故保险金及其利息, 本合同随之终止 ; 身故保险金的利息将自被保险人身故之日起计算, 但最长不超过一年 身故保险金为下列两项金额中的较大者 : 1 身故日本合同的保证现金价值; 2 身故日本合同累计已缴保险费- 累计已给付的生存年金 - 累计已给付的祝寿金 上述 身故保险金 中的 累计已缴保险费 累计已给付的祝寿金 将按照身故时本合同的在被保险人投保时的年龄所对应的期交保险费以及已缴的缴费期数计算 ; 若以趸缴方式缴付保险费的, 则按照身故时本合同的在被保险人投保时的年龄所对应的趸缴保险费计算 上述 身故保险金 中的 累计已给付的生存年金 将以身故时本合同的为基础计算 红利分配本产品采用分配现金红利的方式, 不具有终了红利, 即直接以现金的形式将红利分配给保单持有人 红利的实现方式包括现金领取 缴付到期保费 留存于本公司享有累积生息以及购买交清增额保险

2 产品红利来源于死差 利差和费差等所产生的可分配盈余, 即保险公司实际经营成果与定价假设的差异造成的可分配盈余 本公司依托先进的专业投资管理经验, 对分红保险产品采用稳健的投资策略, 精心配置投资组合, 追求长期稳定增长和可持续的投资回报 分红保险的红利分配具有不确定性, 未来红利水平将由公司分红保险业务的实际经营状况决定, 本公司的红利分配政策是在遵循国家法律 法规和监管部门规定的基础上, 以稳健经营和专业精神为宗旨, 本着公平合理的原则, 努力保持红利分配的稳定性, 具体红利金额将在每年寄发给客户的红利通知书中列明 责任免除因下列情形之一直接或间接导致被保险人身故的, 本公司不承担给付身故保险金的保险责任 : 一 投保人对被保险人的故意杀害 故意伤害 ; 二 被保险人故意犯罪或者抗拒依法采取的刑事强制措施 ; 三 被保险人自本合同成立日 ( 若曾复效, 则以最后复效日为准 ) 起二年内自杀, 但被保险人自杀时为无民事行为能力人的除外 ; 四 战争 军事冲突 暴乱或武装叛乱 ; 五 核爆炸 核辐射或核污染 发生上述第一项情形导致被保险人身故的, 本合同终止, 本公司向被保险人的继承人退还本合同当时的现金价值 ; 发生上述其他情形导致被保险人身故的, 本合同终止, 本公司向投保人退还本合同当时的现金价值 犹豫期自投保人签收本合同当日 ( 含当日 ) 起的十五日为犹豫期 犹豫期内投保人要求解除本合同的, 由投保人填写申请书, 并提供保险合同 投保人身份证明及保险费发票, 本公司将退还已收保险费 自本公司收到投保人解除合同的书面申请时起, 本合同自始无效, 本公司不承担任何保险责任 解除合同犹豫期满后投保人要求解除本合同的, 由投保人填写申请书, 并提供下列资料 : 一 保险合同 ; 二 投保人身份证明 自本公司收到解除合同申请书的当日 24 时起, 本合同终止, 本公司将退还投保人本合同当时的现金价值 投保人在犹豫期满后解除本合同会受到一定的损失

3 计划示例 客户王先生,30 周岁, 私营业主, 精明能干的他凭借在商海的打拼积累了一点财富 ; 然而风险无处不在, 深谋远虑的王先生希望为自己的财富做一个长期妥帖的规划, 希望能够稳健增值 为此, 王先生为自己选择了 中宏宏越人生年金保险 ( 分红型 ), 100 万元,5 年缴费, 年缴保费 1,099,270 元 保单利益详见下表 : 保单年度末 / 年付保险 费 保险费总计 保证现金价 值 生存年金祝寿金身故保险金 当年度红利 累积红利 高中低高中低 1/31 1,099,270 1,099, , ,099,270 16,940 9, ,940 9, /32 1,099,270 2,198,540 1,139, ,198,540 37,830 21,550 1,130 55,278 31,490 1,655 3/33 1,099,270 3,297,810 1,858, ,297,810 61,680 35,140 1, ,616 67,575 3,555 4/34 1,099,270 4,397,080 2,658, ,397,080 88,210 50,250 2, , ,852 6,302 5/35 1,099,270 5,496,350 3,420, ,000-5,496, ,820 66,550 3, , ,998 9,991 6/36-5,496,350 3,458, ,000-5,396, ,100 67,280 3, , ,978 13,821 7/37-5,496,350 3,498, ,000-5,296, ,420 68,030 3, , ,897 17,806 8/38-5,496,350 3,540, ,000-5,196, ,800 68,810 3, , ,874 21,960 9/39-5,496,350 3,583, ,000-5,096, ,240 69,640 3, , ,050 26,279 10/40-5,496,350 3,629, ,000-4,996, ,750 70,490 3,700 1,027, ,542 30,767 15/45-5,496,350 3,886, ,000-4,496, ,300 75,370 3,960 1,874,497 1,067,853 56,102 20/50-5,496,350 4,206, ,000-4,306, ,920 81,410 4,280 2,907,638 1,656,385 87,028 25/55-5,496,350 4,598, ,000-4,698, ,920 88,820 4,670 4,169,040 2,374, ,777 30/60-5,496,350 5,076, ,000-5,176, ,780 97,850 5,140 5,709,053 3,252, ,869 31/61-5,496,350 5,183, ,000-5,283, ,340 99,890 5,250 6,055,665 3,449, ,245 32/62-5,496,350 5,295, ,000-5,395, , ,000 5,360 6,416,385 3,655, ,042 33/63-5,496,350 5,411, ,000-5,511, , ,200 5,470 6,791,787 3,869, ,273 34/64-5,496,350 5,532, ,000-5,632, , ,470 5,590 7,182,451 4,091, ,961

4 年付保险 费 保险费总计 保证现金价 值 生存年金祝寿金身故保险金 当年度红利 累积红利 高中低高中低 35/65-5,496,350 5,658, ,000-5,758, , ,860 5,720 7,589,015 4,323, ,130 40/70-5,496,350 5,814, , ,635 6,464, , ,210 6,420 9,883,464 5,630, ,795 41/71-5,496,350 5,401, , ,635 6,050, , ,390 6,010 10,380,768 5,913, ,679 42/72-5,496,350 4,970, , ,635 5,619, , ,240 5,580 10,878,681 6,197, ,579 43/73-5,496,350 4,521, , ,635 5,171, ,610 97,760 5,140 11,376,651 6,480, ,486 44/74-5,496,350 4,054, , ,635 4,704, ,130 88,940 4,670 11,874,081 6,764, ,371 45/75-5,496,350 3,568, , ,635 4,218, ,990 79,750 4,190 12,370,293 7,046, ,222 46/76-5,496,350 3,063, , ,635 3,712, ,210 70,190 3,690 12,864,612 7,328, ,019 47/77-5,496,350 2,536, , ,635 3,186, ,730 60,230 3,160 13,356,280 7,608, ,730 48/78-5,496,350 1,988, , ,635 2,638,425 87,550 49,870 2,620 13,844,518 7,886, ,342 49/79-5,496,350 1,418, , ,635 2,068,395 68,640 39,100 2,050 14,328,494 8,162, ,822 50/80-5,496,350 1,375, ,000-1,475,410 48,960 27,890 1,470 14,807,309 8,435, ,157 55/85-5,496,350 1,128, ,000-1,228,680 40,770 23,230 1,220 17,400,831 9,912, ,764 60/90-5,496, , , ,170 30,670 17, ,358,151 11,597, ,269 65/95-5,496, , , ,970 18,280 10, ,725,895 13,515, ,060 70/100-5,496, , ,000 3,320 1, ,556,313 15,697, ,702 注 : 上表中所列保证现金价值为当个保单周年日的现金利益给付后的保证现金价值 该利益演示是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, 实际派发的红利可能高于或低于利益演示表所列之数额 若王先生选择在 65 周岁前将每年生成的生存年金与红利用于购买交清增额保险, 并从 65 周岁开始现金领取生存年金与红利,70 周岁开始可同时享 有祝寿金, 分别按照高 中 低三档红利演示的保单利益详见下列各表

5 (1) 按照高档红利演示的保单利益 : 保单年度末 / 1/ ,940 3,676 3,676 1,003, ,916 1,099,270 2/ ,969 8,028 11,704 1,011,704-1,176,213 2,206,622 3/ ,402 12,856 24,560 1,024,560-1,938,186 3,336,408 4/ ,376 18,146 42,706 1,042,706-2,802,511 4,505,072 5/35 104, ,809 45,129 87,835 1,087,835-3,720,668 5,731,077 6/36 108, ,473 47, ,914 1,134,914-3,925,282 5,870,338 7/37 113, ,531 49, ,027 1,184,027-4,142,543 6,010,902 8/38 118, ,030 51, ,266 1,235,266-4,373,336 6,152,619 9/39 123, ,999 53, ,728 1,288,728-4,618,634 6,295,348 10/40 128, ,480 55, ,517 1,344,517-4,879,494 6,438,936 15/45 159, ,770 69, ,237 1,662,237-6,460,883 7,163,239 20/50 197, ,645 85,870 1,056,518 2,056,518-8,651,442 8,487,266 25/55 244, , ,098 1,547,512 2,547,512-11,715,142 11,466,676 30/60 302, , ,226 2,161,714 3,161,714-16,050,726 15,672,064 31/61 316, , ,501 2,302,215 3,302,215-17,118,650 16,706,465 32/62 330, , ,103 2,449,318 3,449,318-18,266,450 17,817,662 33/63 344, , ,053 2,603,371 3,603,371-19,500,759 19,011,985 34/64 360, , ,363 2,764,734 3,764,734-20,828,730 20,296,311 35/65 376, ,403-2,764,734 3,764,734 1,095,876 21,301,505 21,677,978 40/70 376,473 2,069, ,648-2,764,734 3,764,734 3,253,351 21,891,138 24,336,841 41/71 376,473 2,069, ,959-2,764,734 3,764,734 3,201,662 20,333,667 22,779,370 42/72 376,473 2,069, ,085-2,764,734 3,764,734 3,147,788 18,712,008 21,157,711

6 43/73 376,473 2,069, ,066-2,764,734 3,764,734 3,091,769 17,023,638 19,469,341 44/74 376,473 2,069, ,788-2,764,734 3,764,734 3,033,491 15,265,959 17,711,662 45/75 376,473 2,069, ,025-2,764,734 3,764,734 2,972,728 13,436,298 15,882,001 46/76 376,473 2,069, ,853-2,764,734 3,764,734 2,909,556 11,531,870 13,977,573 47/77 376,473 2,069, ,045-2,764,734 3,764,734 2,843,748 9,549,813 11,995,515 48/78 376,473 2,069, ,602-2,764,734 3,764,734 2,775,305 7,487,265 9,932,968 49/79 376,473 2,069, ,411-2,764,734 3,764,734 2,704,114 5,341,254 7,786,957 50/80 376, ,321-2,764,734 3,764, ,794 5,178,053 5,554,526 55/85 376, ,488-2,764,734 3,764, ,961 4,249,180 4,625,653 60/90 376, ,464-2,764,734 3,764, ,937 3,102,781 3,479,254 65/95 376,473-68,819-2,764,734 3,764, ,292 1,697,782 2,074,255 70/ ,473-12,499-2,764,734 3,764, , ,473 (2) 按照中档红利演示的保单利益 : 保单年度末 / 1/ ,650 2,094 2,094 1,002, ,171 1,099,270 2/ ,595 4,566 6,660 1,006,660-1,160,460 2,203,144 3/ ,374 7,288 13,948 1,013,948-1,903,686 3,319,773 4/ ,951 10,230 24,178 1,024,178-2,739,824 4,458,410 5/35 102,418-68,159 34,050 58,228 1,058,228-3,619,404 5,629,241 6/36 105,823-71,198 35,126 93,354 1,093,354-3,781,540 5,710,569 7/37 109,335-74,381 36, ,587 1,129,587-3,952,075 5,790,785

7 8/38 112,959-77,727 37, ,960 1,166,960-4,131,505 5,869,729 9/39 116,696-81,267 38, ,512 1,205,512-4,320,398 5,947,237 10/40 120,551-84,977 39, ,276 1,245,276-4,519,331 6,023,160 15/45 141, ,817 46, ,654 1,463,654-5,689,018 6,372,394 20/50 166, ,493 54, ,484 1,718,484-7,229,387 7,167,986 25/55 195, ,437 63,226 1,015,906 2,015,906-9,270,466 9,174,979 30/60 228, ,024 73,893 1,363,357 2,363,357-11,997,795 11,851,616 31/61 236, ,076 76,244 1,439,601 2,439,601-12,646,867 12,487,955 32/62 243, ,839 78,669 1,518,270 2,518,270-13,335,927 13,163,282 33/63 251, ,404 81,180 1,599,450 2,599,450-14,067,730 13,880,226 34/64 259, ,763 83,769 1,683,219 2,683,219-14,845,151 14,641,636 35/65 268, ,095-1,683,219 2,683, ,417 15,182,109 15,450,431 40/70 268,322 1,474, ,916-1,683,219 2,683,219 2,071,029 15,602,355 17,345,468 41/71 268,322 1,474, ,933-1,683,219 2,683,219 2,050,046 14,492,307 16,235,420 42/72 268,322 1,474, ,065-1,683,219 2,683,219 2,028,178 13,336,511 15,079,624 43/73 268,322 1,474, ,311-1,683,219 2,683,219 2,005,424 12,133,167 13,876,280 44/74 268,322 1,474, ,645-1,683,219 2,683,219 1,981,758 10,880,426 12,623,539 45/75 268,322 1,474, ,987-1,683,219 2,683,219 1,957,100 9,576,382 11,319,495 46/76 268,322 1,474, ,335-1,683,219 2,683,219 1,931,448 8,219,049 9,962,162 47/77 268,322 1,474, ,610-1,683,219 2,683,219 1,904,723 6,806,387 8,549,500 48/78 268,322 1,474, ,812-1,683,219 2,683,219 1,876,925 5,336,359 7,079,472 49/79 268,322 1,474, ,914-1,683,219 2,683,219 1,848,027 3,806,844 5,549,957 50/80 268,322-74,835-1,683,219 2,683, ,157 3,690,526 3,958,848

8 55/85 268,322-62,331-1,683,219 2,683, ,653 3,028,496 3,296,818 60/90 268,322-46,876-1,683,219 2,683, ,198 2,211,429 2,479,751 65/95 268,322-27,959-1,683,219 2,683, ,281 1,210,051 1,478,373 70/ ,322-5,071-1,683,219 2,683, , ,322 (3) 按照低档红利演示的保单利益 : 保单年度末 / 1/ ,000, ,223 1,099,270 2/ , ,000,350-1,140,753 2,198,784 3/ , ,000,731-1,860,717 3,298,964 4/ , ,261 1,001,261-2,662,286 4,400,294 5/35 100,126-3,504 20,686 21,947 1,021,947-3,495,314 5,503,281 6/36 102,195-3,607 20,995 42,942 1,042,942-3,607,182 5,514,784 7/37 104,294-3,723 21,303 64,245 1,064,245-3,723,463 5,523,786 8/38 106,425-3,853 21,614 85,859 1,085,859-3,844,375 5,530,190 9/39 108,586-3,974 21, ,780 1,107,780-3,970,140 5,533,918 10/40 110,778-4,099 22, ,006 1,130,006-4,100,995 5,534,857 15/45 122,193-4,839 23, ,655 1,245,655-4,841,687 5,494,229 20/50 134,341-5,750 25, ,534 1,368,534-5,757,204 5,785,830 25/55 147,167-6,873 26, ,084 1,498,084-6,889,179 6,914,872 30/60 160,608-8,255 27, ,627 1,633,627-8,293,254 8,314,018 31/61 163,363-8,577 27, ,377 1,661,377-8,612,562 8,632,069

9 32/62 166,138-8,905 27, ,321 1,689,321-8,946,087 8,964,242 33/63 168,932-9,241 28, ,449 1,717,449-9,294,508 9,311,216 34/64 171,745-9,601 28, ,754 1,745,754-9,658,541 9,673,686 35/65 174,575-9, ,754 1,745, ,561 9,877,773 10,052,348 40/70 174, ,527 11, ,754 1,745,754 1,145,310 10,151,193 11,285,296 41/71 174, ,527 10, ,754 1,745,754 1,144,594 9,428,974 10,563,077 42/72 174, ,527 9, ,754 1,745,754 1,143,843 8,676,991 9,811,094 43/73 174, ,527 8, ,754 1,745,754 1,143,075 7,894,073 9,028,176 44/74 174, ,527 8, ,754 1,745,754 1,142,255 7,079,015 8,213,118 45/75 174, ,527 7, ,754 1,745,754 1,141,417 6,230,579 7,364,681 46/76 174, ,527 6, ,754 1,745,754 1,140,544 5,347,471 6,481,574 47/77 174, ,527 5, ,754 1,745,754 1,139,619 4,428,367 5,562,470 48/78 174, ,527 4, ,754 1,745,754 1,138,676 3,471,938 4,606,041 49/79 174, ,527 3, ,754 1,745,754 1,137,681 2,476,806 3,610,909 50/80 174,575-2, ,754 1,745, ,141 2,401,128 2,575,703 55/85 174,575-2, ,754 1,745, ,705 1,970,398 2,144,973 60/90 174,575-1, ,754 1,745, ,181 1,438,798 1,613,373 65/95 174, ,754 1,745, , , ,858 70/ , ,754 1,745, , ,575 (4) 按照上述高 中 低三档红利演示的保单利益汇总信息 : 保单年度末 / 祝寿金及当 年度红利

10 高 中 低 高 中 低 高 中 低 高 中 低 高 中 低 1/31 3,676 2, ,003,676 1,002,094 1,000, , , ,223 1,099,270 1,099,270 1,099,270 2/32 11,704 6, ,011,704 1,006,660 1,000, ,176,213 1,160,460 1,140,753 2,206,622 2,203,144 2,198,784 3/33 24,560 13, ,024,560 1,013,948 1,000, ,938,186 1,903,686 1,860,717 3,336,408 3,319,773 3,298,964 4/34 42,706 24,178 1,261 1,042,706 1,024,178 1,001, ,802,511 2,739,824 2,662,286 4,505,072 4,458,410 4,400,294 5/35 87,835 58,228 21,947 1,087,835 1,058,228 1,021, ,720,668 3,619,404 3,495,314 5,731,077 5,629,241 5,503,281 6/36 134,914 93,354 42,942 1,134,914 1,093,354 1,042, ,925,282 3,781,540 3,607,182 5,870,338 5,710,569 5,514,784 7/37 184, ,587 64,245 1,184,027 1,129,587 1,064, ,142,543 3,952,075 3,723,463 6,010,902 5,790,785 5,523,786 8/38 235, ,960 85,859 1,235,266 1,166,960 1,085, ,373,336 4,131,505 3,844,375 6,152,619 5,869,729 5,530,190 9/39 288, , ,780 1,288,728 1,205,512 1,107, ,618,634 4,320,398 3,970,140 6,295,348 5,947,237 5,533,918 10/40 344, , ,006 1,344,517 1,245,276 1,130, ,879,494 4,519,331 4,100,995 6,438,936 6,023,160 5,534,857 15/45 662, , ,655 1,662,237 1,463,654 1,245, ,460,883 5,689,018 4,841,687 7,163,239 6,372,394 5,494,229 20/50 1,056, , ,534 2,056,518 1,718,484 1,368, ,651,442 7,229,387 5,757,204 8,487,266 7,167,986 5,785,830 25/55 1,547,512 1,015, ,084 2,547,512 2,015,906 1,498, ,715,142 9,270,466 6,889,179 11,466,676 9,174,979 6,914,872 30/60 2,161,714 1,363, ,627 3,161,714 2,363,357 1,633, ,050,726 11,997,795 8,293,254 15,672,064 11,851,616 8,314,018 31/61 2,302,215 1,439, ,377 3,302,215 2,439,601 1,661, ,118,650 12,646,867 8,612,562 16,706,465 12,487,955 8,632,069 32/62 2,449,318 1,518, ,321 3,449,318 2,518,270 1,689, ,266,450 13,335,927 8,946,087 17,817,662 13,163,282 8,964,242 33/63 2,603,371 1,599, ,449 3,603,371 2,599,450 1,717, ,500,759 14,067,730 9,294,508 19,011,985 13,880,226 9,311,216 34/64 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745, ,828,730 14,845,151 9,658,541 20,296,311 14,641,636 9,673,686 35/65 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 1,095, , ,561 21,301,505 15,182,109 9,877,773 21,677,978 15,450,431 10,052,348 40/70 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 3,253,351 2,071,029 1,145,310 21,891,138 15,602,355 10,151,193 24,336,841 17,345,468 11,285,296 41/71 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 3,201,662 2,050,046 1,144,594 20,333,667 14,492,307 9,428,974 22,779,370 16,235,420 10,563,077 42/72 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 3,147,788 2,028,178 1,143,843 18,712,008 13,336,511 8,676,991 21,157,711 15,079,624 9,811,094 43/73 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 3,091,769 2,005,424 1,143,075 17,023,638 12,133,167 7,894,073 19,469,341 13,876,280 9,028,176 44/74 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 3,033,491 1,981,758 1,142,255 15,265,959 10,880,426 7,079,015 17,711,662 12,623,539 8,213,118

11 祝寿金及当 年度红利 高 中 低 高 中 低 高 中 低 高 中 低 高 中 低 45/75 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 2,972,728 1,957,100 1,141,417 13,436,298 9,576,382 6,230,579 15,882,001 11,319,495 7,364,681 46/76 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 2,909,556 1,931,448 1,140,544 11,531,870 8,219,049 5,347,471 13,977,573 9,962,162 6,481,574 47/77 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 2,843,748 1,904,723 1,139,619 9,549,813 6,806,387 4,428,367 11,995,515 8,549,500 5,562,470 48/78 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 2,775,305 1,876,925 1,138,676 7,487,265 5,336,359 3,471,938 9,932,968 7,079,472 4,606,041 49/79 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745,754 2,704,114 1,848,027 1,137,681 5,341,254 3,806,844 2,476,806 7,786,957 5,549,957 3,610,909 50/80 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745, , , ,141 5,178,053 3,690,526 2,401,128 5,554,526 3,958,848 2,575,703 55/85 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745, , , ,705 4,249,180 3,028,496 1,970,398 4,625,653 3,296,818 2,144,973 60/90 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745, , , ,181 3,102,781 2,211,429 1,438,798 3,479,254 2,479,751 1,613,373 65/95 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745, , , ,535 1,697,782 1,210, ,283 2,074,255 1,478, ,858 70/100 2,764,734 1,683, ,754 3,764,734 2,683,219 1,745, , , , , , ,575 注 : 上述各表中所列现金价值为当个保单周年日的现金利益给付后的现金价值 该利益演示是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, 实际派发的红利可 能高于或低于利益演示表所列之数额 本产品说明书仅供参考, 详细内容以保险合同为准

12 额外报备案例计划示例 1 Jack 一家拥有稳定收入, 生活无忧, 儿子可爱, 家庭幸福感指数爆表 Jack 先生希望帮助儿子购买一份保险, 保障儿子基本的教育及养老需求 为此,Jack 先生为 0 岁的儿子选择了 中宏宏越人生年金保险 ( 分红型 ), 40 万元,20 年缴费, 年缴保费 112,112 元 保单利益详见下表 : 保单年度末 / 年付保险 费 保险费总计 保证现金价 值 生存年金祝寿金身故保险金 当年度红利 累积红利 高中低高中低 1/1 112, ,112 40, ,112 1, , /2 112, ,224 98, ,224 3,688 2, ,258 2, /3 112, , , ,336 6,252 3, ,668 6, /4 112, , , ,448 9,020 5, ,038 11, /5 112, , ,476 40, ,560 12,052 6, ,721 19,206 1,012 6/6 112, , ,084 40, ,672 13,656 7, ,389 27,562 1,450 7/7 112, , ,824 40, ,784 15,344 8, ,185 37,129 1,954 8/8 112, , ,792 40, ,896 17,108 9, ,249 47,987 2,525 9/9 112,112 1,009, ,084 40, ,008 18,964 10, ,740 60,231 3,169 10/10 112,112 1,121, ,812 40, ,120 20,908 11, ,820 73,950 3,892 15/15 112,112 1,681, ,000 40,000-1,281,680 32,168 18, , ,322 8,857 16/16 112,112 1,793, ,820 40,000-1,353,792 34,752 19,796 1, , ,168 10,163 17/17 112,112 1,905, ,944 40,000-1,425,904 37,468 21,344 1, , ,307 11,588 18/18 112,112 2,018,016 1,031,524 40,000-1,498,016 40,308 22,960 1, , ,876 13,144 19/19 112,112 2,130,128 1,110,708 40,000-1,570,128 43,292 24,660 1, , ,032 14,834 20/20 112,112 2,242,240 1,193,664 40,000-1,642,240 46,408 26,436 1, , ,929 16,667 21/21-2,242,240 1,202,392 40,000-1,602,240 46,732 26,624 1, , ,061 18,567

13 年付保险 费 保险费总计 保证现金价 值 生存年金祝寿金身故保险金 当年度红利 累积红利 高中低高中低 22/22-2,242,240 1,211,496 40,000-1,562,240 47,076 26,816 1, , ,469 20,532 23/23-2,242,240 1,220,992 40,000-1,522,240 47,432 27,020 1, , ,203 22,568 24/24-2,242,240 1,230,900 40,000-1,482,240 47,804 27,232 1, , ,311 24,677 25/25-2,242,240 1,241,244 40,000-1,442,240 48,192 27,456 1, , ,846 26,861 30/30-2,242,240 1,300,112 40,000-1,340,112 50,416 28,720 1,508 1,302, ,809 39,002 35/35-2,242,240 1,372,196 40,000-1,412,196 53,120 30,260 1,592 1,785,502 1,017,113 53,474 40/40-2,242,240 1,460,272 40,000-1,500,272 56,436 32,152 1,692 2,361,987 1,345,516 70,738 45/45-2,242,240 1,567,864 40,000-1,607,864 60,484 34,456 1,812 3,050,122 1,737,522 91,345 50/50-2,242,240 1,699,264 40,000-1,739,264 65,428 37,272 1,960 3,872,055 2,205, ,963 55/55-2,242,240 1,859,664 40,000-1,899,664 71,456 40,708 2,140 4,854,452 2,765, ,383 56/56-2,242,240 1,895,760 40,000-1,935,760 72,812 41,480 2,180 5,072,898 2,889, ,924 57/57-2,242,240 1,933,320 40,000-1,973,320 74,236 42,288 2,224 5,299,321 3,018, ,706 58/58-2,242,240 1,972,392 40,000-2,012,392 75,704 43,124 2,268 5,534,005 3,152, ,735 59/59-2,242,240 2,013,040 40,000-2,053,040 77,232 43,996 2,312 5,777,257 3,291, ,019 60/60-2,242,240 2,055,320 40,000-2,095,320 78,820 44,900 2,360 6,029,395 3,434, ,570 65/65-2,242,240 2,293,416 40,000-2,333,416 87,780 50,004 2,628 7,435,404 4,235, ,675 70/70-2,242,240 2,358,348 40, ,224 2,622,572 98,656 56,200 2,956 9,118,752 5,194, ,088 71/71-2,242,240 2,189,808 40, ,224 2,454,032 92,316 52,592 2,764 9,484,631 5,403, ,045 72/72-2,242,240 2,014,332 40, ,224 2,278,556 85,716 48,828 2,568 9,854,886 5,613, ,134 73/73-2,242,240 1,831,636 40, ,224 2,095,860 78,844 44,916 2,360 10,229,377 5,827, ,348 74/74-2,242,240 1,641,436 40, ,224 1,905,660 71,688 40,840 2,148 10,607,946 6,042, ,686 75/75-2,242,240 1,443,452 40, ,224 1,707,676 64,236 36,592 1,924 10,990,420 6,260, ,141 76/76-2,242,240 1,237,372 40, ,224 1,501,596 56,484 32,176 1,692 11,376,617 6,480, ,707

14 年付保险 费 保险费总计 保证现金价 值 生存年金祝寿金身故保险金 当年度红利 累积红利 高中低高中低 77/77-2,242,240 1,022,900 40, ,224 1,287,124 48,416 27,580 1,448 11,766,332 6,702, ,376 78/78-2,242, ,716 40, ,224 1,063,940 40,020 22,800 1,200 12,159,342 6,926, ,147 79/79-2,242, ,504 40, , ,728 31,284 17, ,555,406 7,152, ,007 80/80-2,242, ,164 40, ,164 22,200 12, ,954,268 7,379, ,951 85/85-2,242, ,472 40, ,472 18,488 10, ,124,162 8,615, ,931 90/90-2,242, ,668 40, ,668 13,908 7, ,617,303 10,035, ,599 95/95-2,242, ,388 40, ,388 8,292 4, ,480,054 11,666, , /100-2,242,240-40,000-40,000 1, ,765,344 13,538, ,716 注 : 上表中所列保证现金价值为当个保单周年日的现金利益给付后的保证现金价值 该利益演示是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, 实际派发的红利可能高于或低于利益演示表所列之数额 Jack 先生为儿子选择 17 周岁前每年给付的生存年金与红利用于购买交清增额保险, 并于 周岁四年先行领取生存年金 岁每年的生存年金及红利用于购买交清增额保险, 并从 60 周岁开始现金领取生存年金与红利,70 周岁开始可同时享有祝寿金, 分别按照高 中 低三档红利演示的保单利益详见下列各表 : (1) 按照高档红利演示的保单利益 : 保单年度末 / 1/ , ,377-41, ,112 2/ , , , , ,435 3/ ,272 1,474 2, , , ,401

15 4/ ,082 2,079 4, , , ,521 5/5 40,482-12,197 12,021 16, , , ,315 6/6 41,684-14,231 12,716 29, , , ,309 7/7 42,956-16,478 13,471 43, , , ,862 8/8 44,303-18,948 14,286 57, , , ,467 9/9 45,731-21,681 15,172 72, , , ,658 10/10 47,249-24,697 16,133 88, , ,376 1,088,041 15/15 56,460-45,405 22, , ,010-1,354,778 1,809,098 16/16 58,701-50,999 24, , ,043-1,496,805 1,986,724 17/17 61,104-57,236 25, , ,861-1,648,391 2,178,222 18/18 63,686-64, , , ,862 1,728,601 2,385,070 19/19 63,686-68, , , ,613 1,812,579 2,499,883 20/20 63,686-73, , , ,575 1,900,495 2,614,697 21/21 63,686-74, , , ,090 1,914,391 2,551,010 22/22 63,686-74,952 29, , ,443-2,018,483 2,487,324 23/23 66,644-79,027 30, , ,379-2,128,735 2,536,215 24/24 69,738-83,344 32, , ,730-2,245,562 2,584,208 25/25 72,973-87,918 33, , ,561-2,369,414 2,631,114 30/30 91, ,342 42, , ,463-3,112,023 3,065,928 35/35 114, ,351 53, ,264 1,200,264-4,117,494 4,050,252 40/40 143, ,925 66,603 1,104,870 1,504,870-5,493,799 5,394,479 45/45 180, ,803 83,870 1,488,002 1,888,002-7,400,326 7,251,997 50/50 226, , ,023 1,971,570 2,371,570-10,074,809 9,850,961

16 55/55 284, , ,667 2,584,621 2,984,621-13,875,981 13,534,888 56/56 298, , ,362 2,725,983 3,125,983-14,815,284 14,443,775 57/57 312, , ,443 2,874,426 3,274,426-15,826,283 15,421,412 58/58 327, , ,897 3,030,323 3,430,323-16,914,854 16,473,572 59/59 343, , ,767 3,194,090 3,594,090-18,087,617 17,606,476 60/60 359, ,215-3,194,090 3,594,090 1,067,624 18,467,513 18,826,922 65/65 359, ,723-3,194,090 3,594,090 1,148,132 20,606,859 20,966,268 70/70 359,409 2,014, ,446-3,194,090 3,594,090 3,260,558 21,190,287 23,564,399 71/71 359,409 2,014, ,480-3,194,090 3,594,090 3,203,592 19,675,918 22,050,030 72/72 359,409 2,014, ,178-3,194,090 3,594,090 3,144,290 18,099,226 20,473,338 73/73 359,409 2,014, ,431-3,194,090 3,594,090 3,082,543 16,457,662 18,831,774 74/74 359,409 2,014, ,133-3,194,090 3,594,090 3,018,245 14,748,672 17,122,784 75/75 359,409 2,014, ,175-3,194,090 3,594,090 2,951,287 12,969,741 15,343,853 76/76 359,409 2,014, ,521-3,194,090 3,594,090 2,881,633 11,118,066 13,492,178 77/77 359,409 2,014, ,029-3,194,090 3,594,090 2,809,141 9,190,987 11,565,099 78/78 359,409 2,014, ,589-3,194,090 3,594,090 2,733,701 7,185,628 9,559,740 79/79 359,409 2,014, ,094-3,194,090 3,594,090 2,655,206 5,099,151 7,473,263 80/80 359, ,472-3,194,090 3,594, ,881 4,943,347 5,302,756 85/85 359, ,119-3,194,090 3,594, ,528 4,056,578 4,415,987 90/90 359, ,967-3,194,090 3,594, ,376 2,962,141 3,321,550 95/95 359,409-74,505-3,194,090 3,594, ,914 1,620,827 1,980, / ,409-13,550-3,194,090 3,594, , ,409

17 (2) 按照中档红利演示的保单利益 : 保单年度末 / 1/ ,215-41, ,112 2/ , ,722-99, ,345 3/ , , , , ,943 4/ ,160 1,181 2, , , ,197 5/5 40,274-6,911 10,767 13, , , ,401 6/6 41,351-8,043 11,233 24, , , ,037 7/7 42,474-9,281 11,731 36, , , ,377 8/8 43,647-10,632 12,259 48, , , ,733 9/9 44,873-12,120 12,827 61, , , ,441 10/10 46,156-13,745 13,432 74, , ,148 1,062,876 15/15 53,569-24,540 17, , ,869-1,256,235 1,716,448 16/16 55,287-27,361 18, , ,975-1,380,425 1,871,174 17/17 57,098-30,467 19, , ,079-1,511,627 2,035,389 18/18 59,008-33, , ,079 92,879 1,590,923 2,209,869 19/19 59,008-36, , ,079 95,386 1,673,954 2,316,249 20/20 59,008-38, , ,079 98,006 1,760,890 2,422,628 21/21 59,008-39, , ,079 98,284 1,773,766 2,363,620 22/22 59,008-39,559 21, , ,111-1,850,896 2,304,613 23/23 61,111-41,281 21, , ,856-1,931,780 2,325,644 24/24 63,286-43,085 22, , ,335-2,016,630 2,345,111 25/25 65,534-44,982 23, , ,573-2,105,687 2,362,876 30/30 77,961-55,976 27, , ,023-2,623,051 2,611,908

18 35/35 92,615-70,064 32, , ,463-3,287,998 3,269,777 40/40 109,885-88,326 38, ,923 1,136,923-4,150,542 4,121,442 45/45 130, ,183 44, ,200 1,347,200-5,280,566 5,234,960 50/50 154, ,699 52,896 1,195,062 1,595,062-6,776,079 6,705,585 55/55 182, ,738 62,448 1,487,521 1,887,521-8,775,387 8,667,564 56/56 188, ,736 64,571 1,552,092 1,952,092-9,251,745 9,134,469 57/57 195, ,375 66,774 1,618,866 2,018,866-9,757,785 9,630,255 58/58 201, ,654 69,055 1,687,921 2,087,921-10,295,497 10,156,874 59/59 208, ,650 71,420 1,759,341 2,159,341-10,867,100 10,716,463 60/60 215, ,386-1,759,341 2,159, ,320 11,095,342 11,311,276 65/65 215, ,939-1,759,341 2,159, ,873 12,380,668 12,596,602 70/70 215,934 1,210, ,387-1,759,341 2,159,341 1,729,761 12,731,194 14,157,568 71/71 215,934 1,210, ,910-1,759,341 2,159,341 1,710,284 11,821,355 13,247,730 72/72 215,934 1,210, ,591-1,759,341 2,159,341 1,689,965 10,874,074 12,300,448 73/73 215,934 1,210, ,472-1,759,341 2,159,341 1,668,846 9,887,817 11,314,191 74/74 215,934 1,210, ,469-1,759,341 2,159,341 1,646,843 8,861,050 10,287,424 75/75 215,934 1,210, ,537-1,759,341 2,159,341 1,623,911 7,792,263 9,218,637 76/76 215,934 1,210, ,697-1,759,341 2,159,341 1,600,071 6,679,770 8,106,145 77/77 215,934 1,210, ,887-1,759,341 2,159,341 1,575,261 5,521,975 6,948,349 78/78 215,934 1,210, ,082-1,759,341 2,159,341 1,549,456 4,317,149 5,743,523 79/79 215,934 1,210,440 96,220-1,759,341 2,159,341 1,522,594 3,063,587 4,489,961 80/80 215,934-68,278-1,759,341 2,159, ,212 2,969,979 3,185,913 85/85 215,934-56,855-1,759,341 2,159, ,789 2,437,205 2,653,139

19 90/90 215,934-42,777-1,759,341 2,159, ,711 1,779,664 1,995,598 95/95 215,934-25,502-1,759,341 2,159, , ,798 1,189, / ,934-4,643-1,759,341 2,159, , ,934 (3) 按照低档红利演示的保单利益 : 保单年度末 / 1/ ,011-40, ,112 2/ ,038-98, ,230 3/ , , ,368 4/ , , ,540 5/5 40, ,213 9, , , ,762 6/6 40, ,405 18, , , ,472 7/7 41, ,600 28, , , ,842 8/8 42, ,799 38, , , ,982 9/9 43, ,001 48, , , ,005 10/10 44, ,208 58, , ,532 1,032,027 15/15 50,133-1,208 11, , ,627-1,140,082 1,606,371 16/16 51,263-1,333 11, , ,150-1,244,420 1,734,976 17/17 52,415-1,468 11, , ,906-1,353,256 1,868,469 18/18 53,591-1, , ,906 55,209 1,431,493 2,006,989 19/19 53,591-1, , ,906 55,327 1,513,427 2,103,603 20/20 53,591-1, , ,906 55,451 1,599,229 2,200,216

20 21/21 53,591-1, , ,906 55,467 1,610,923 2,146,625 22/22 53,591-1,886 11, , ,743-1,658,971 2,093,034 23/23 54,774-1,944 12, , ,788-1,708,742 2,084,491 24/24 55,979-2,004 12, , ,042-1,760,316 2,074,350 25/25 57,204-2,065 12, , ,504-1,813,780 2,062,555 30/30 63,646-2,399 13, , ,976-2,112,604 2,132,313 35/35 70,618-2,811 14, , ,760-2,472,560 2,493,151 40/40 78,121-3,305 15, , ,853-2,909,055 2,930,080 45/45 86,148-3,902 16, , ,141-3,442,014 3,462,845 50/50 94,677-4,639 17, , ,399-4,096,921 4,116,686 55/55 103,675-5,547 18, ,269 1,055,269-4,906,114 4,923,677 56/56 105,527-5,751 18, ,957 1,073,957-5,089,912 5,106,869 57/57 107,396-5,971 18, ,807 1,092,807-5,281,864 5,298,152 58/58 109,281-6,196 19, ,814 1,111,814-5,482,333 5,497,890 59/59 111,181-6,426 19, ,972 1,130,972-5,691,730 5,706,497 60/60 113,097-6, ,972 1,130, ,770 5,811,273 5,924,371 65/65 113,097-7, ,972 1,130, ,527 6,484,473 6,597,570 70/70 113, ,978 8, ,972 1,130, ,433 6,668,064 7,415,139 71/71 113, ,978 7, ,972 1,130, ,890 6,191,529 6,938,604 72/72 113, ,978 7, ,972 1,130, ,336 5,695,383 6,442,458 73/73 113, ,978 6, ,972 1,130, ,748 5,178,823 5,925,897 74/74 113, ,978 6, ,972 1,130, ,148 4,641,045 5,388,120 75/75 113, ,978 5, ,972 1,130, ,515 4,081,259 4,828,334

21 76/76 113, ,978 4, ,972 1,130, ,859 3,498,583 4,245,658 77/77 113, ,978 4, ,972 1,130, ,169 2,892,178 3,639,253 78/78 113, ,978 3, ,972 1,130, ,468 2,261,141 3,008,216 79/79 113, ,978 2, ,972 1,130, ,721 1,604,578 2,351,653 80/80 113,097-1, ,972 1,130, ,974 1,555,550 1,668,647 85/85 113,097-1, ,972 1,130, ,658 1,276,505 1,389,603 90/90 113,097-1, ,972 1,130, , ,113 1,045,210 95/95 113, ,972 1,130, , , , / , ,972 1,130, , ,097 (4) 按照上述高 中 低三档红利演示的保单利益汇总信息 : 保单年度末 / 祝寿金及 当年度红利 高 中 低 高 中 低 高 中 低 高 中 低 高 中 低 1/ , , , ,498 41,107 40, , , ,112 2/2 1, , , , ,316 99,947 98, , , ,230 3/3 2,741 1, , , , , , , , , ,368 4/4 4,820 2, , , , , , , , , ,540 5/5 16,841 13,508 9, , , , , , , , , ,762 6/6 29,557 24,741 18, , , , , , , , , ,472 7/7 43,028 36,472 28, , , , , , , , , ,842 8/8 57,314 48,731 38, , , , , , , , , ,982 9/9 72,486 61,558 48, , , , , , , , , ,005

22 祝寿金及 当年度红利 高 中 低 高 中 低 高 中 低 高 中 低 高 中 低 10/10 88,619 74,990 58, , , , , , ,532 1,088,041 1,062,876 1,032,027 15/15 187, , , , , , ,354,778 1,256,235 1,140,082 1,809,098 1,716,448 1,606,371 16/16 211, , , , , , ,496,805 1,380,425 1,244,420 1,986,724 1,871,174 1,734,976 17/17 236, , , , , , ,648,391 1,511,627 1,353,256 2,178,222 2,035,389 1,868,469 18/18 236, , , , , , ,862 92,879 55,209 1,728,601 1,590,923 1,431,493 2,385,070 2,209,869 2,006,989 19/19 236, , , , , , ,613 95,386 55,327 1,812,579 1,673,954 1,513,427 2,499,883 2,316,249 2,103,603 20/20 236, , , , , , ,575 98,006 55,451 1,900,495 1,760,890 1,599,229 2,614,697 2,422,628 2,200,216 21/21 236, , , , , , ,090 98,284 55,467 1,914,391 1,773,766 1,610,923 2,551,010 2,363,620 2,146,625 22/22 266, , , , , , ,018,483 1,850,896 1,658,971 2,487,324 2,304,613 2,093,034 23/23 297, , , , , , ,128,735 1,931,780 1,708,742 2,536,215 2,325,644 2,084,491 24/24 329, , , , , , ,245,562 2,016,630 1,760,316 2,584,208 2,345,111 2,074,350 25/25 363, , , , , , ,369,414 2,105,687 1,813,780 2,631,114 2,362,876 2,062,555 30/30 557, , , , , , ,112,023 2,623,051 2,112,604 3,065,928 2,611,908 2,132,313 35/35 800, , ,760 1,200, , , ,117,494 3,287,998 2,472,560 4,050,252 3,269,777 2,493,151 40/40 1,104, , ,853 1,504,870 1,136, , ,493,799 4,150,542 2,909,055 5,394,479 4,121,442 2,930,080 45/45 1,488, , ,141 1,888,002 1,347, , ,400,326 5,280,566 3,442,014 7,251,997 5,234,960 3,462,845 50/50 1,971,570 1,195, ,399 2,371,570 1,595, , ,074,809 6,776,079 4,096,921 9,850,961 6,705,585 4,116,686 55/55 2,584,621 1,487, ,269 2,984,621 1,887,521 1,055, ,875,981 8,775,387 4,906,114 13,534,888 8,667,564 4,923,677 56/56 2,725,983 1,552, ,957 3,125,983 1,952,092 1,073, ,815,284 9,251,745 5,089,912 14,443,775 9,134,469 5,106,869 57/57 2,874,426 1,618, ,807 3,274,426 2,018,866 1,092, ,826,283 9,757,785 5,281,864 15,421,412 9,630,255 5,298,152 58/58 3,030,323 1,687, ,814 3,430,323 2,087,921 1,111, ,914,854 10,295,497 5,482,333 16,473,572 10,156,874 5,497,890 59/59 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130, ,087,617 10,867,100 5,691,730 17,606,476 10,716,463 5,706,497

23 祝寿金及 当年度红利 高 中 低 高 中 低 高 中 低 高 中 低 高 中 低 60/60 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 1,067, , ,770 18,467,513 11,095,342 5,811,273 18,826,922 11,311,276 5,924,371 65/65 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 1,148, , ,527 20,606,859 12,380,668 6,484,473 20,966,268 12,596,602 6,597,570 70/70 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 3,260,558 1,729, ,433 21,190,287 12,731,194 6,668,064 23,564,399 14,157,568 7,415,139 71/71 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 3,203,592 1,710, ,890 19,675,918 11,821,355 6,191,529 22,050,030 13,247,730 6,938,604 72/72 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 3,144,290 1,689, ,336 18,099,226 10,874,074 5,695,383 20,473,338 12,300,448 6,442,458 73/73 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 3,082,543 1,668, ,748 16,457,662 9,887,817 5,178,823 18,831,774 11,314,191 5,925,897 74/74 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 3,018,245 1,646, ,148 14,748,672 8,861,050 4,641,045 17,122,784 10,287,424 5,388,120 75/75 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 2,951,287 1,623, ,515 12,969,741 7,792,263 4,081,259 15,343,853 9,218,637 4,828,334 76/76 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 2,881,633 1,600, ,859 11,118,066 6,679,770 3,498,583 13,492,178 8,106,145 4,245,658 77/77 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 2,809,141 1,575, ,169 9,190,987 5,521,975 2,892,178 11,565,099 6,948,349 3,639,253 78/78 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 2,733,701 1,549, ,468 7,185,628 4,317,149 2,261,141 9,559,740 5,743,523 3,008,216 79/79 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130,972 2,655,206 1,522, ,721 5,099,151 3,063,587 1,604,578 7,473,263 4,489,961 2,351,653 80/80 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130, , , ,974 4,943,347 2,969,979 1,555,550 5,302,756 3,185,913 1,668,647 85/85 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130, , , ,658 4,056,578 2,437,205 1,276,505 4,415,987 2,653,139 1,389,603 90/90 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130, , , ,273 2,962,141 1,779, ,113 3,321,550 1,995,598 1,045,210 95/95 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130, , , ,798 1,620, , ,034 1,980,236 1,189, , /100 3,194,090 1,759, ,972 3,594,090 2,159,341 1,130, , , , , , ,097 注 : 上述各表中所列现金价值为当个保单周年日的现金利益给付后的现金价值 该利益演示是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, 实际派发的红利可 能高于或低于利益演示表所列之数额

24 计划示例 2 李先生老年得女, 视女儿为掌上明珠 因自身和女儿年龄差较大, 李先生担心不能长期陪伴女儿, 故此希望为女儿购买一份保险, 以便可代替自己持续照顾女儿, 保障女儿基本的教育及养老需求 为此, 李先生先生为 5 岁的女儿选择了 中宏宏越人生年金保险 ( 分红型 ), 50 万元,3 年缴费, 年缴保费 751,095 元 保单利益详见下表 : 保单年度 当年度红利 累积红利 末 / 年龄 ( 周岁 ) 年付保险费保险费总计保证现金价值生存年金祝寿金身故保险金 高中低高中低 1/6 751, , , ,095 12,715 7, ,715 7, /7 751,095 1,502, , ,502,190 28,760 16, ,856 23,847 1,251 3/8 751,095 2,253,285 1,300, ,253,285 47,520 27,070 1,420 90,632 51,632 2,709 4/9-2,253,285 1,354, ,253,285 49,465 28,175 1, ,816 81,356 4,270 5/10-2,253,285 1,359,430 50,000-2,253,285 51,490 29,330 1, , ,127 5,938 6/11-2,253,285 1,365,045 50,000-2,203,285 51,695 29,445 1, , ,966 7,661 7/12-2,253,285 1,370,900 50,000-2,153,285 51,905 29,570 1, , ,915 9,446 8/13-2,253,285 1,377,005 50,000-2,103,285 52,125 29,695 1, , ,007 11,289 9/14-2,253,285 1,383,365 50,000-2,053,285 52,360 29,825 1, , ,282 13,193 10/15-2,253,285 1,389,985 50,000-2,003,285 52,600 29,965 1, , ,785 15,164 11/16-2,253,285 1,396,885 50,000-1,953,285 52,850 30,105 1, , ,554 17,199 12/17-2,253,285 1,404,070 50,000-1,903,285 53,120 30,260 1, , ,641 19,305 13/18-2,253,285 1,411,550 50,000-1,853,285 53,390 30,415 1, , ,085 21,484 14/19-2,253,285 1,419,345 50,000-1,803,285 53,670 30,575 1, , ,933 23,734 15/20-2,253,285 1,427,470 50,000-1,753,285 53,970 30,745 1, , ,236 26,061 16/21-2,253,285 1,435,930 50,000-1,703,285 54,280 30,920 1, , ,043 28,468 17/22-2,253,285 1,444,755 50,000-1,653,285 54,610 31,110 1,635 1,034, ,414 30,957

25 保单年度 末 / 年龄 ( 周岁 ) 年付保险费保险费总计保证现金价值生存年金祝寿金身故保险金 当年度红利 累积红利 高中低高中低 18/23-2,253,285 1,453,955 50,000-1,603,285 54,935 31,295 1,645 1,120, ,391 33,531 19/24-2,253,285 1,463,545 50,000-1,553,285 55,295 31,500 1,655 1,209, ,043 36,192 20/25-2,253,285 1,473,540 50,000-1,523,540 55,650 31,700 1,665 1,301, ,414 38,943 25/30-2,253,285 1,530,015 50,000-1,580,015 57,720 32,880 1,730 1,810,567 1,031,395 54,178 30/35-2,253,285 1,599,035 50,000-1,649,035 60,240 34,315 1,805 2,413,025 1,374,591 72,204 35/40-2,253,285 1,683,390 50,000-1,733,390 63,315 36,070 1,895 3,126,519 1,781,041 93,557 40/45-2,253,285 1,786,470 50,000-1,836,470 67,085 38,215 2,010 3,972,101 2,262, ,868 45/50-2,253,285 1,912,410 50,000-1,962,410 71,690 40,840 2,145 4,974,910 2,833, ,878 46/51-2,253,285 1,940,760 50,000-1,990,760 72,720 41,425 2,175 5,196,877 2,960, ,519 47/52-2,253,285 1,970,270 50,000-2,020,270 73,805 42,040 2,210 5,426,588 3,091, ,395 48/53-2,253,285 2,000,980 50,000-2,050,980 74,925 42,680 2,245 5,664,311 3,226, ,512 49/54-2,253,285 2,032,940 50,000-2,082,940 76,090 43,345 2,280 5,910,330 3,366, ,877 50/55-2,253,285 2,066,200 50,000-2,116,200 77,310 44,040 2,315 6,164,950 3,511, ,498 55/60-2,253,285 2,253,860 50,000-2,303,860 84,165 47,945 2,520 7,578,114 4,316, ,787 60/65-2,253,285 2,482,575 50,000-2,532,575 92,515 52,700 2,770 9,257,323 5,273, ,048 65/70-2,253,285 2,535,470 50, ,329 2,810, ,680 58,495 3,075 11,253,846 6,410, ,806 66/71-2,253,285 2,363,380 50, ,329 2,638,709 96,395 54,910 2,885 11,687,856 6,658, ,795 67/72-2,253,285 2,184,205 50, ,329 2,459,534 89,850 51,185 2,690 12,128,342 6,908, ,979 68/73-2,253,285 1,997,655 50, ,329 2,272,984 83,035 47,300 2,485 12,575,227 7,163, ,353 69/74-2,253,285 1,803,435 50, ,329 2,078,764 75,935 43,260 2,275 13,028,419 7,421, ,919 70/75-2,253,285 1,601,245 50, ,329 1,876,574 68,550 39,050 2,050 13,487,822 7,683, ,667 71/76-2,253,285 1,390,765 50, ,329 1,666,094 60,865 34,670 1,820 13,953,322 7,948, ,597

26 保单年度 当年度红利 累积红利 末 / 年龄 ( 周岁 ) 年付保险费保险费总计保证现金价值生存年金祝寿金身故保险金 高中低高中低 72/77-2,253,285 1,171,680 50, ,329 1,447,009 52,860 30,115 1,580 14,424,782 8,217, ,705 73/78-2,253, ,660 50, ,329 1,218,989 44,530 25,365 1,335 14,902,055 8,489, ,991 74/79-2,253, ,360 50, , ,689 35,860 20,425 1,075 15,384,977 8,764, ,446 75/80-2,253, ,770 50, ,770 26,840 15, ,873,366 9,042, ,064 80/85-2,253, ,040 50, ,040 22,360 12, ,530,498 10,556, ,593 85/90-2,253, ,685 50, ,685 16,830 9, ,583,855 12,295, ,978 90/95-2,253, ,005 50, ,005 10,050 5, ,090,362 14,292, ,918 95/100-2,253,285-50,000-50,000 1,825 1, ,114,920 16,585, ,375 注 : 上表中所列保证现金价值为当个保单周年日的现金利益给付后的保证现金价值 该利益演示是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, 实际派发的红利可能高于或低于利益演示表所列之数额 李先生先生为女儿选择 17 周岁前每年给付的生存年金与红利用于购买交清增额保险, 并于 周岁四年先行领取生存年金 岁每年的生存年金及红利用于购买交清增额保险, 并从 55 周岁开始现金领取生存年金与红利,70 周岁开始可同时享有祝寿金, 分别按照高 中 低三档红利演示的保单利益详见下列各表 : (1) 按照高档红利演示的保单利益 : 保单年度末 / 1/ ,715 3,215 3, , , ,095 2/ ,945 7,133 10, , ,296 1,511,849

27 3/ ,503 11,651 21, ,999-1,358,095 2,299,919 4/ ,641 12,090 34, ,089-1,446,366 2,352,425 5/10 53,409-55,000 25,315 59, ,404-1,520,941 2,406,909 6/11 55,940-57,837 26,498 85, ,902-1,599,565 2,465,053 7/12 58,590-60,822 27, , ,638-1,682,473 2,523,228 8/13 61,364-63,972 29, , ,670-1,769,920 2,581,311 9/14 64,267-67,300 30, , ,058-1,862,170 2,639,169 10/15 67,306-70,806 31, , ,864-1,959,501 2,696,654 11/16 70,486-74,504 33, , ,155-2,062,235 2,753,601 12/17 73,816-78,422 34, , ,003-2,170,701 2,809,839 13/18 77,300-82, , , ,841 2,182,265 2,865,190 14/19 77,300-82, , , ,274 2,194,316 2,787,889 15/20 77,300-83, , , ,738 2,206,877 2,710,589 16/21 77,300-83, , , ,217 2,219,956 2,633,289 17/22 77,300-84,427 36, , ,418-2,338,821 2,555,989 18/23 80,942-88,931 38, , ,531-2,464,544 2,595,455 19/24 84,753-93,728 39, , ,429-2,597,585 2,632,914 20/25 88,743-98,771 41, , ,190-2,738,397 2,704,067 25/30 111, ,918 52, ,279 1,169,279-3,578,029 3,528,986 30/35 140, ,312 66, ,453 1,471,453-4,705,810 4,634,807 35/40 176, ,009 83,474 1,352,478 1,852,478-6,236,886 6,132,748 40/45 222, , ,663 1,834,206 2,334,206-8,339,978 8,185,305 45/50 281, , ,273 2,445,416 2,945,416-11,265,686 11,033,230

28 46/51 294, , ,934 2,586,350 3,086,350-11,979,729 11,727,233 47/52 308, , ,967 2,734,317 3,234,317-12,744,956 12,470,521 48/53 323, , ,374 2,889,691 3,389,691-13,565,408 13,267,039 49/54 338, , ,185 3,052,876 3,552,876-14,445,567 14,121,046 50/55 355, ,346-3,052,876 3,552, ,634 14,681,905 15,037,192 55/60 355, ,056-3,052,876 3,552, ,344 16,015,370 16,370,658 60/65 355, ,389-3,052,876 3,552,876 1,012,677 17,640,562 17,995,850 65/70 355,288 1,601, ,619-3,052,876 3,552,876 2,686,035 18,016,421 19,972,841 66/71 355,288 1,601, ,959-3,052,876 3,552,876 2,641,375 16,793,592 18,750,012 67/72 355,288 1,601, ,452-3,052,876 3,552,876 2,594,868 15,520,419 17,476,839 68/73 355,288 1,601, ,026-3,052,876 3,552,876 2,546,442 14,194,841 16,151,261 69/74 355,288 1,601, ,575-3,052,876 3,552,876 2,495,991 12,814,762 14,771,181 70/75 355,288 1,601, ,099-3,052,876 3,552,876 2,443,515 11,378,050 13,334,469 71/76 355,288 1,601, ,492-3,052,876 3,552,876 2,388,908 9,882,431 11,838,851 72/77 355,288 1,601, ,610-3,052,876 3,552,876 2,332,026 8,325,668 10,282,087 73/78 355,288 1,601, ,419-3,052,876 3,552,876 2,272,835 6,705,414 8,661,834 74/79 355,288 1,601, ,812-3,052,876 3,552,876 2,211,228 5,019,219 6,975,639 75/80 355, ,718-3,052,876 3,552, ,006 4,865,806 5,221,093 80/85 355, ,885-3,052,876 3,552, ,173 3,993,717 4,349,004 85/90 355, ,590-3,052,876 3,552, ,878 2,918,226 3,273,513 90/95 355,288-71,413-3,052,876 3,552, ,701 1,598,830 1,954,117 95/ ,288-12,968-3,052,876 3,552, , ,288

29 (2) 按照中档红利演示的保单利益 : 保单年度末 / 1/ ,245 1,832 1, , , ,095 2/ ,445 4,053 5, , ,140 1,507,694 3/ ,389 6,579 12, ,464-1,333,288 2,279,806 4/ ,877 6,761 19, ,225-1,406,113 2,309,455 5/10 51,923-30,458 19,237 38, ,462-1,464,003 2,339,924 6/11 53,846-31,710 19,926 58, ,388-1,524,449 2,372,770 7/12 55,839-33,023 20,640 79, ,028-1,587,579 2,404,737 8/13 57,903-34,388 21, , ,405-1,653,521 2,435,722 9/14 60,041-35,814 22, , ,545-1,722,414 2,465,605 10/15 62,255-37,309 22, , ,474-1,794,398 2,494,270 11/16 64,547-38,864 23, , ,219-1,869,644 2,521,589 12/17 66,922-40,501 24, , ,809-1,948,313 2,547,429 13/18 69,381-42, , , ,585 1,958,692 2,571,652 14/19 69,381-42, , , ,807 1,969,509 2,502,271 15/20 69,381-42, , , ,043 1,980,783 2,432,890 16/21 69,381-42, , , ,286 1,992,522 2,363,509 17/22 69,381-43,169 25, , ,151-2,077,994 2,294,128 18/23 71,915-45,012 26, , ,385-2,167,512 2,306,008 19/24 74,539-46,959 27, , ,545-2,261,309 2,315,591 20/25 77,255-48,979 28, , ,659-2,359,606 2,354,006 25/30 92,336-60,720 33, , ,768-2,927,739 2,917,833 30/35 110,255-75,668 39, ,235 1,142,235-3,652,947 3,636,271

30 35/40 131,539-94,892 47, ,536 1,362,536-4,587,359 4,560,168 40/45 156, ,861 56,022 1,124,270 1,624,270-5,803,419 5,760,081 45/50 186, ,645 66,635 1,435,453 1,935,453-7,402,759 7,334,774 46/51 193, ,352 68,993 1,504,446 2,004,446-7,780,297 7,706,045 47/52 200, ,534 71,443 1,575,889 2,075,889-8,180,124 8,099,044 48/53 207, ,198 73,984 1,649,873 2,149,873-8,603,706 8,515,214 49/54 214, ,372 76,620 1,726,493 2,226,493-9,052,653 8,956,113 50/55 222, ,110-1,726,493 2,226, ,759 9,200,760 9,423,409 55/60 222, ,498-1,726,493 2,226, ,147 10,036,407 10,259,056 60/65 222, ,672-1,726,493 2,226, ,321 11,054,872 11,277,521 65/70 222,649 1,003, ,477-1,726,493 2,226,493 1,486,511 11,290,412 12,516,449 66/71 222,649 1,003, ,513-1,726,493 2,226,493 1,470,547 10,524,098 11,750,134 67/72 222,649 1,003, ,926-1,726,493 2,226,493 1,453,960 9,726,234 10,952,270 68/73 222,649 1,003, ,626-1,726,493 2,226,493 1,436,660 8,895,530 10,121,566 69/74 222,649 1,003, ,636-1,726,493 2,226,493 1,418,670 8,030,671 9,256,707 70/75 222,649 1,003, ,889-1,726,493 2,226,493 1,399,923 7,130,322 8,356,358 71/76 222,649 1,003, ,385-1,726,493 2,226,493 1,380,419 6,193,057 7,419,093 72/77 222,649 1,003, ,102-1,726,493 2,226,493 1,360,136 5,217,475 6,443,511 73/78 222,649 1,003, ,950-1,726,493 2,226,493 1,338,984 4,202,105 5,428,141 74/79 222,649 1,003,385 90,952-1,726,493 2,226,493 1,316,986 3,145,411 4,371,447 75/80 222,649-68,086-1,726,493 2,226, ,735 3,049,271 3,271,921 80/85 222,649-56,731-1,726,493 2,226, ,380 2,502,756 2,725,406 85/90 222,649-42,682-1,726,493 2,226, ,331 1,828,775 2,051,424

31 90/95 222,649-25,493-1,726,493 2,226, ,142 1,001,944 1,224,593 95/ ,649-4,631-1,726,493 2,226, , ,649 (3) 按照低档红利演示的保单利益 : 保单年度末 / 1/ , , ,095 2/ , ,200 1,502,478 3/ , ,649-1,302,549 2,254,673 4/ , ,996-1,356,747 2,256,210 5/10 50,100-1,543 12,059 13, ,055-1,394,925 2,257,774 6/11 51,306-1,585 12,318 25, ,373-1,434,316 2,260,813 7/12 52,537-1,634 12,583 37, ,956-1,474,968 2,262,556 8/13 53,796-1,678 12,850 50, ,806-1,516,925 2,262,950 9/14 55,081-1,724 13,120 63, ,926-1,560,231 2,261,923 10/15 56,393-1,776 13,396 77, ,322-1,604,938 2,259,409 11/16 57,732-1,824 13,675 90, ,997-1,651,110 2,255,349 12/17 59,100-1,879 13, , ,956-1,698,801 2,249,671 13/18 60,496-1, , ,956 62,432 1,707,851 2,242,312 14/19 60,496-1, , ,956 62,438 1,717,283 2,181,816 15/20 60,496-1, , ,956 62,450 1,727,113 2,121,321 16/21 60,496-1, , ,956 62,462 1,737,349 2,060,825 17/22 60,496-1,978 14, , ,022-1,788,670 2,000,329