![](data:image/png;base64,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您在指定和变更身故保险金受益人、受益顺序或受益份额时,必须经过被保险
人同意。被保险人为无民事行为能力人或限制民事行为能力人的,应经过其监
护人同意。
被保险人身故后,有下列情形之一的,保险金作为被保险人的遗产,由我们依
照《中华人民共和国民法典》的规定履行给付保险金的义务:
(1) 没有指定受益人,或者受益人指定不明无法确定的;
(2) 受益人先于被保险人身故,没有其他受益人的;
(3) 受益人依法丧失受益权或者放弃受益权,没有其他受益人的。
受益人与被保险人在同一事件中身故,且不能确定身故先后顺序的,推定受益
人身故在先。
受益人故意造成被保险人身故、伤残、疾病的,或者故意杀害被保险人未遂的,
该受益人丧失受益权。
您、被保险人或受益人知道保险事故发生后应当在10日内通知我们。
如果您、被保险人或受益人故意或者因重大过失未及时通知我们,致使保险事
故的性质、原因、损失程度等难以确定的,我们对无法确定的部分,不承担给
付保险金的责任,但我们通过其他途径已经及时知道或者应当及时知道保险事
故发生或者虽未及时通知但不影响我们确定保险事故的性质、原因、损失程度
的除外。
本合同的养老年金领取频率分为年领和月领两种,由您在投保时选择一种作为
本合同的领取频率,并在保险单上载明。在本合同有效期内,您可以申请变更
养老年金领取频率,经我们审核同意后,变更后的养老年金领取频率自下一个
保单周年日起生效。
本合同养老年金起始领取年龄为被保险人55周岁(被保险人为女性时适用)、60
周岁或65周岁。养老年金起始领取年龄由您在投保时与我们约定,并在保险单
上载明。本合同生效后,我们不接受养老年金起始领取年龄变更的申请。
首个养老年金领取日为养老年金起始领取年龄后的首个保单周年日。此后的养
老年金领取日为首个养老年金领取日在之后每年、每月的对应日,如果当月无
对应的同一日,则以该月最后一日为对应日。
在申请保险金时,受益人需要填写申请书,并提供下列证明和资料的原件:
(1) 保险合同;
(2) 养老年金受益人的有效身份证件7;
(3) 如被保险人在保证给付期间内身故,养老年金受益人申请保证给付养老年
金,除上述材料外,还须提供由公安部门或国家卫生行政部门认定的医疗
机构出具的被保险人的死亡证明(如被保险人为宣告死亡,须提供人民法
院出具的宣告死亡证明文件)以及所能提供的与确认保险事故的性质、原
因等有关的其他证明文件和资料。
(1) 保险合同;
(2) 祝寿金受益人的有效身份证件。
有效身份证件:指由政府主管部门规定的证明其身份的证件,如:居民身份证、护照、军官证、士兵证等证件。