![](data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAABAsAAAGdCAIAAAD7X20ZAAAACXBIWXMAABYlAAAWJQFJUiTwAAAHMElEQVR42u3XMQEAMAjEQMC/5+/AiITeSciWKgAAAAAAgKuTqAAAAKyRAAAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgSAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADkECAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAACAQwAAABwCAADgEAAAAIcAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIUgAAAA4BAAAwCEAAAAOAQAAcAgAAIBDAAAAHAIAAOAQAAAAhwAAADgEAADAIQAAAA4BAABwCAAAgEMAAAAcAgAA4BAAAACHAAAAOAQAAMAhAAAADgEAAHAIAAAAAAAAAADAFx6kwQYvXExcuAAAAABJRU5ErkJggg==)
三、受益人、被保险人或者继承人为无民事行为能力人或者限制民事行为能力人
时,由其合法监护人代其申请领取保险金,其合法监护人还必须提供受益人
或者继承人为无民事行为能力人或者限制民事行为能力人的证明和监护人
具有合法监护权的证明。
四、上述申请资料不完整的,我们将及时一次性通知申请人补充提供有关资料。
一、若被保险人在本合同有效期间内被人民法院宣告死亡,保险金申请人在申请
身故保险金时还须提供人民法院出具的具有最终法律效力的宣告死亡证明
文件。
二、若被保险人在本合同有效期间内非因意外事件下落不明被人民法院宣告死
亡的,我们将以人民法院出具的具有最终法律效力的宣告死亡证明文件所确
定的死亡日期为被保险人身故日;若被保险人在本合同有效期间内因意外事
件下落不明被人民法院宣告死亡的,我们将以意外事件发生之日视为被保险
人身故日。
三、若被保险人在人民法院宣告死亡之后重新出现或确知其没有死亡,保险金申
请人应于知道或应当知道被保险人生还消息之日起 30 日内将已领取的身故
保险金一次性返还给我们,本合同的效力由您和我们双方依法协商处理。
一、 我们在收到保险金给付申请书及本合同约定的资料后,将在 5 日内作出核定;
情形复杂的,在 30 日内作出核定。对属于保险责任的,我们在与受益人达成
给付保险金的协议后 10 日内,履行给付保险金义务。
二、 对不属于保险责任的,我们自作出核定之日起 3 日内向受益人发出拒绝给付
保险金通知书并说明理由。
一、本合同的保险费交费方式和交费期间由您与我们约定并在保险单上载明。
二、分期交纳保险费的,在交纳首期保险费后,您应当按照约定,在每个保险费
应交日交纳当期的保险费。
一、 分期交纳保险费的,在交纳首期保险费后,除本合同另有约定外,如果您在
保险费应交日未交纳保险费,自保险费应交日的次日起 60 日内为宽限期。宽
限期内发生保险事故,本公司仍会承担保险责任,但在给付保险金时会扣除
您欠交的保险费。
二、 如果您宽限期结束之后仍未交纳保险费,则本合同自宽限期满的次日零时起
效力中止,但本合同另有约定的除外。
一、 在本合同有效期内,经书面或按照本公司要求的其他方式申请且我们审核同
意后,您可向我们办理保单贷款。申请贷款时累计贷款金额本金和利息
..
(见
10.17)最高不得超过本合同当时现金价值的 80%,每次贷款期限最长不超过
180 天。贷款利率按您与我们签订的贷款协议中约定的利率执行。