Protection Contents
1. Living Coupon
During the effective period of policy, the Company will pay 6% of sum assured as living coupon to the insured,every 3rd anniversary of policy.
2. Death Benefit
The company will pay death benefit according to the age when the insured dies.
　　　　　age 　　　　　　　　Death benefit
Less than 1 year old　　 　20% of sum assured
Between 1 and 2 years old　40% of sum assured
Between 2 and 3 years old　60% of sum assured
Between 3 and 4 years old　80% of sum assured
Between 4 and 5 years old　100% of sum assured
3. Total Disability Benefit
The Insured becomes disabled since the accidental injury occurs, the Company will pay an indemnity, expressed as a percentage of the Sum Assured, up to 100%.
4. Prepayment Privilege
Prepayment privilege: If the insured can only live less than 6 months, the company will pay 50% of the sum assured in advance.
5. Increasing Sum Assured Without Evidence Of Insurability
On occasion of marriage, new baby born and 5th anniversary of Policy, if the insured is yonger than 40 years old, he can apply for increasing sum assured without providing evidence of insurability. (No more than 50% of sum assured of basic plan but no less than 5,000 yuan each time)
6. Other Benefits
* Annual dividend
Company will distribute dividends according to actual operation condition. There are 3 ways to handle dividends:
Cash dividends, deductive renew premium, dividend accumulation.
* Cash Value

Issue Age
30 days-50 or 55 or 60 years old

Premium Payment Period
10, 15, 20 years, paid to 55 or 60 years old

Policy Term
Whole Life