![](data:image/png;base64,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)
第 2 页,共 8 页
若被保险人在保证领取期届满后身故,我们不再给付养老年金,本合同效力终
止。
养老年金领取频次默认为按月领取。养老年金领取频次如需变更为按年领取,
投保人可在本合同生效一年后,在首期年金领取日前(不含)向我们提出书面
申请。
1、若被保险人在首期年金领取日前(含当日)身故,自被保险人身故之日起,
本合同效力终止,我们按照被保险人身故时本合同累计已缴保险费
4
与本合同效
力终止当日的现金价值
5
的较大者给付身故保险金。
2、若被保险人在首期年金领取日后身故,我们不承担给付身故保险金的责任,
本合同效力终止。
我们不保什么
这部分讲的是我们不承担保险责任的情况。
在本合同约定的首期年金领取日前(含当日),因下列情形之一导致被保险人身
故的,我们不承担给付身故保险金的责任:
1、投保人对被保险人的故意杀害、故意伤害;
2、被保险人故意犯罪、自致的伤害、参与殴斗
6
、或者抗拒依法采取的刑事强制
措施;
3、被保险人主动吸食、服用、注射毒品
7
;
4、被保险人自本合同成立(或复效)之日起两年内自杀,但被保险人自杀时为
无民事行为能力人的除外;
5、被保险人酒后驾驶
8
,无合法有效驾驶证驾驶
9
,或驾驶无有效行驶证
10
的机动
车;
6、战争、军事行为、暴乱、武装叛乱或恐怖活动
11
;
7、核爆炸、核辐射、核污染、原子或生化武器。
在本合同约定的首期年金领取日前(含当日),因上述第 1 项情形导致被保险人
身故的,本合同效力终止,投保人已交足 2 年以上保险费的,我们向投保人以外
的被保险人的继承人退还本合同当时的现金价值。
4
已缴保险费:指根据本合同的约定已支付的保险费,若保险费按本合同其它条款的约定而发生变更,则依据变更后的保
险费确定已缴保险费。
5
现金价值:指保险单所具有的价值,通常体现为解除合同时,根据精算原理计算的,由本公司退还的那部分金额。
6
殴斗: 违反国家有关治安管理的法律法规,使用暴力攻击伤害对方的搏斗行为。
7
毒品:指《中华人民共和国刑法》规定的鸦片、海洛因、甲基苯丙胺(冰毒)、吗啡、大麻、可卡因以及国家规定管制的
其他能够使人形成瘾癖的麻醉药品和精神药品,但不包括由医生开具并遵医嘱使用的用于治疗疾病但含有毒品成分的处方
药品。
8
酒后驾驶:指经检测或鉴定,发生事故时车辆驾驶人员每百毫升血液中的酒精含量达到或超过一定的标准,公安机关交
通管理部门依据《道路交通安全法》的规定认定为饮酒后驾驶或醉酒后驾驶。
9
无合法有效驾驶证驾驶:指下列情形之一:(1)没有取得驾驶资格;(2)驾驶与驾驶证准驾车型不相符合的车辆;(3)
持审验不合格的驾驶证驾驶;(4)持学习驾驶证学习驾车时,无教练员随车指导,或不按指定时间、路线学习驾车。
10
无有效行驶证:指下列情形之一:(1)机动车被依法注销登记的; (2)未依法按时进行或通过机动车安全技术检验。
11
恐怖活动:是指任何人或群体单独地或有组织地进行的为达到政治、宗教、意识形态等目的或以影响任何政府或公众、
或以恐吓公众为目的的活动,包括但不限于使用武力、暴力、原子能/生物/化学武器、大规模杀伤性武器、对交通和通信
系统等的基础设施或内容进行破坏、或其他任何手段造成的或试图造成的任何性质的伤害或威胁。