中美联泰大都会人寿保险有限公司

都会世家终身寿险（分红型）产品说明书

本产品为分红保险，其红利分配是不确定的，将根据本公司分红保险业务的实际经营情

况而定。

为方便您了解和购买本产品，请您仔细阅读本说明书。

产品特色

有效保额复利增值 身价保障稳步提升

从第二个保险单年度起，有效保险金额每年按基本保险金额与累积增额红利之和以3%年

复利稳步递增，同时累积增额红利部分也参加以后各年度的红利分配。多重增长动力，

助您从容应对风险。

灵活选择保单功能 有效满足资金规划

在本合同保险期间内，您可根据我们届时的有效规定申请减少本合同的基本保险金额，

本合同的累积增额红利亦将同时按相同比例减少，我们将向您退还减少部分所对应的现

金价值；您还可享受保单贷款权益，加强资金流动性。多样选择权，满足人生不同阶段

的资金规划。

特设基本保额复原 专属寿险传承无忧

从第三个保险单周年日（含）起，若符合本合同约定的相关条件，您可以根据我们届时

的有效规定申请复原本合同的基本保险金额。轻松掌控您的专属寿险，财富传承安全无

忧。

产品基本特征

投保条件

投保年龄：出生满30天-65周岁

交费期间：趸交、3年交、5年交、9年交、10年交、20年交

保险期间：终身

基本保险金额

本合同的基本保险金额为本合同保险单上载明的金额；若该金额根据本合同的约定发生

变更，则以变更后的基本保险金额为准。

有效保险金额

本合同投保时的有效保险金额等于基本保险金额。从第二个保险单年度起，各保险单年

度的有效保险金额按基本保险金额与累积增额红利之和以 3%年复利形式增加，计算公式

如下：

第 n 个保险单年度的有效保险金额=（基本保险金额+累积增额红利）×（1+3%）（n-1）

，

其中 n 为保险单年度数。

保险责任

1. 若被保险人在本合同保险期间内身故或全残，我们将承担以下身故保险金或全残保

险金（仅给付其中一项）责任：

1.1 若被保险人身故或全残时到达年龄未满 18周岁，我们将按照以下两项金额的较

大者给付身故保险金或全残保险金，本合同终止。

（1）被保险人身故或全残时本合同的累计保险费；

（2）被保险人身故或全残时本合同的现金价值。

1.2 若被保险人身故或全残时到达年龄已满 18 周岁（含），且在本合同交费期内，

我们将按照以下两项金额的较大者给付身故保险金或全残保险金，本合同终止。

（1）被保险人身故或全残时本合同的累计保险费×K；

（2）被保险人身故或全残时本合同的现金价值。

1.3 若被保险人身故或全残时到达年龄已满 18周岁（含），且在本合同交费期满后，

我们将按照以下三项金额的较大者给付身故保险金或全残保险金，本合同终止。

（1）被保险人身故或全残时本合同的累计保险费×K；

（2）被保险人身故或全残时本合同的有效保险金额；

（3）被保险人身故或全残时本合同的现金价值。

上述 K 值与被保险人身故或全残时的到达年龄有关，详见下表：

到达年龄 K

18-40周岁 160%

41-60周岁 140%

61周岁及以上 120%

注：本合同提及的到达年龄=被保险人投保时年龄+被保险人身故或全残时的保

险单年度数-1。

本合同中提及的“累计保险费”将按以下公式计算：

交费方式 计算公式

趸交

累计保险费 = 以被保险人身故或全残时本合同的基本保险

金额与累积增额红利之和为基础，按被保险人投保时年龄计

算出的趸交保险费

期交

累计保险费 = 以被保险人身故或全残时本合同的基本保险

金额与累积增额红利之和为基础，按被保险人投保时年龄计

算出的期交保险费×实际已交保险费期数

2. 本合同终止后或效力中止期间，我们不承担保险责任。

责任免除

1. 因下列情形之一导致被保险人身故或全残的，或发生事故时存在以下第 1.1 条至第

1.5 条情况之一的，我们不承担给付身故或全残保险金责任：

1.1 您对被保险人的故意杀害、故意伤害；

1.2 被保险人自本合同成立或者合同效力恢复之日起 2 年内自杀，但被保险人自杀

时为无民事行为能力人的除外；

1.3 被保险人主动吸食或注射毒品；

1.4 被保险人酒后驾驶或无合法有效驾驶证驾驶机动车；

1.5 被保险人自残或自伤；

1.6 被保险人故意犯罪或者抗拒依法采取的刑事强制措施。

2. 发生上述 1.1 情形导致被保险人身故或全残的，本合同终止。您已交足 2 年以上保

险费的，我们按照相关法律法规及合同约定向其他权利人退还本合同的现金价值。

3. 发生上述除 1.1 外其他情形导致被保险人身故或全残的，本合同终止，我们向您退

还本合同的现金价值。

分红险主要投资策略

分红险主要投资于固定收益类投资品种，如国债、金融债、企业债、银行定期存款、央

票、货币市场基金等。

红利及红利分配

1. 红利来源：红利主要来源于死差、利差以及费差，我们选择其中的一项或几项作为

本产品的红利来源。利差是本公司预定投资收益率和实际投资收益率的差额导致的

收益或者亏损；死差是预定死亡率和实际死亡率的差额导致的收益或者亏损；费差

是指实际费用率与评估费用率之间差额导致的收益或者亏损。

2. 红利分配及实现方式：本合同为分红保险合同，在保险期间内有权参与我们分红保

险业务的盈利分配，但分红是非保证的。我们每年根据分红保险业务的实际经营状

况决定红利分配方案，并按本合同约定的方式进行分配。本合同的年度红利分配方

式为增额红利方式。

3. 红利分配政策：公司实际分配给客户的红利是基于公司分红保险业务的实际经营而

产生的可分配盈余总额，实际分配红利额度的比例不低于当年可分配红利额度的 70%，

然后将其按照公平原则分配到每一位客户。实际分配的红利可能大于、小于或等于

利益演示中某一分红水平下的当年红利金额。影响确定保单红利水平的因素包括：

业务理赔情况，投资收益水平，公司财务状况，产品自身特点与盈余核算及分配方

式等因素,我们将每年至少向保单持有人提供一份红利通知书。

投保示例

示例一

张先生，35周岁，选择为自己投保《都会世家终身寿险（分红型）》产品，基本保额2,914,870元，5年交费，年交保费1,000,000元。

张先生的保险利益演示如下： （单位：人民币元）

保险

单年

度末

到达

年龄

当年度

保险费

累计已交

保险费

保证利益（不含红利） 非保证利益（含红利）

有效保

险金额

身故保险金

全残保险金 现金价值

当年度增额红利 累积增额红利 有效保险金额 身故保险金/全残保险金 现金价值

高 中 低 高 中 低 高 中 低 高 中 低 高 中 低

1 35 1,000,000 1,000,000 2,914,870 1,600,000 470,127 13,719 8,165 - 13,719 8,165 - 2,914,870 2,914,870 2,914,870 1,607,530 1,604,482 1,600,000 489,328 481,555 470,127

2 36 1,000,000 2,000,000 3,002,316 3,200,000 1,214,770 29,674 17,576 - 43,393 25,741 - 3,016,447 3,010,726 3,002,316 3,247,638 3,228,259 3,200,000 1,276,917 1,251,636 1,214,770

3 37 1,000,000 3,000,000 3,092,386 4,800,000 2,156,130 45,673 26,915 - 89,066 52,656 - 3,138,421 3,119,694 3,092,386 4,946,668 4,886,710 4,800,000 2,286,598 2,233,263 2,156,130

4 38 1,000,000 4,000,000 3,185,157 6,400,000 3,254,574 61,751 36,201 - 150,817 88,857 - 3,282,482 3,242,696 3,185,157 6,731,140 6,595,098 6,400,000 3,480,418 3,387,635 3,254,574

5 39 1,000,000 5,000,000 3,280,712 8,000,000 4,459,552 77,945 45,452 - 228,762 134,309 - 3,450,458 3,380,721 3,280,712 8,627,848 8,368,617 8,000,000 4,809,542 4,665,035 4,459,552

6 40 - 5,000,000 3,379,133 8,000,000 4,555,993 79,928 46,141 - 308,690 180,450 - 3,644,331 3,534,834 3,379,133 8,847,214 8,495,254 8,000,000 5,038,480 4,838,039 4,555,993

7 41 - 5,000,000 3,480,507 7,000,000 4,656,189 81,931 46,822 - 390,621 227,272 - 3,849,099 3,695,974 3,480,507 7,938,068 7,545,789 7,000,000 5,280,164 5,019,232 4,656,189

8 42 - 5,000,000 3,584,922 7,000,000 4,758,460 84,014 47,531 - 474,635 274,803 - 4,065,337 3,864,438 3,584,922 8,139,826 7,659,934 7,000,000 5,533,291 5,207,069 4,758,460

9 43 - 5,000,000 3,692,470 7,000,000 4,862,845 86,150 48,250 - 560,785 323,053 - 4,293,724 4,040,582 3,692,470 8,346,714 7,775,805 7,000,000 5,798,397 5,401,791 4,862,845

10 44 - 5,000,000 3,803,244 7,000,000 4,969,388 88,340 48,980 - 649,125 372,033 - 4,534,941 4,224,755 3,803,244 8,558,860 7,893,430 7,000,000 6,076,042 5,603,644 4,969,388

21 55 - 5,000,000 5,264,579 7,000,000 6,308,243 116,356 57,740 - 1,782,113 962,149 - 8,273,122 6,898,043 5,264,579 11,279,708 9,310,581 7,000,000 10,165,020 8,390,487 6,308,243

26 60 - 5,000,000 6,103,090 7,054,194 7,054,194 131,782 62,182 - 2,409,421 1,264,053 - 10,871,961 8,619,541 6,103,090 12,885,166 10,113,293 7,054,194 12,885,166 10,113,293 7,054,194

31 65 - 5,000,000 7,075,155 7,960,848 7,960,848 149,328 67,001 - 3,120,102 1,589,282 - 14,286,003 10,770,130 7,075,155 16,482,208 12,301,361 7,960,848 16,482,208 12,301,361 7,960,848

36 70 - 5,000,000 8,202,043 9,009,439 9,009,439 169,171 72,179 - 3,925,299 1,939,675 - 18,771,271 13,456,920 8,202,043 21,141,967 15,004,692 9,009,439 21,141,967 15,004,692 9,009,439

41 75 - 5,000,000 9,508,416 10,235,406 10,235,406 191,600 77,737 - 4,837,341 2,317,086 - 24,662,999 16,813,257 9,508,416 27,221,463 18,371,726 10,235,406 27,221,463 18,371,726 10,235,406

46 80 - 5,000,000 11,022,860 11,675,530 11,675,530 216,962 83,711 - 5,870,178 2,723,522 - 32,401,038 21,005,559 11,022,860 35,188,564 22,584,614 11,675,530 35,188,564 22,584,614 11,675,530

51 85 - 5,000,000 12,778,516 13,367,828 13,367,828 245,655 90,139 - 7,039,646 3,161,173 - 42,562,734 26,241,641 12,778,516 45,652,210 27,865,221 13,367,828 45,652,210 27,865,221 13,367,828

56 90 - 5,000,000 14,813,802 15,352,153 15,352,153 278,133 97,059 - 8,363,745 3,632,424 - 55,906,084 32,781,053 14,813,802 59,402,655 34,483,547 15,352,153 59,402,655 34,483,547 15,352,153

61 95 - 5,000,000 17,173,257 17,676,420 17,676,420 314,887 104,509 - 9,862,846 4,139,848 - 73,426,042 40,947,873 17,173,257 77,486,911 42,781,379 17,676,420 77,486,911 42,781,379 17,676,420

66 100 - 5,000,000 19,908,512 20,396,055 20,396,055 356,747 112,612 - 11,560,493 4,686,371 - 96,429,904 51,147,207 19,908,512 101,287,640 53,187,734 20,396,055 101,287,640 53,187,734 20,396,055

71 105 - 5,000,000 23,079,422 23,079,422 23,079,422 410,901 123,340 - 13,498,394 5,279,643 - 126,703,860 63,906,110 23,079,422 129,957,301 64,882,695 23,079,422 129,957,301 64,882,695 23,079,422

投保示例

示例二

赵先生，选择为自己的儿子小宝（0周岁）投保《都会世家终身寿险（分红型）》产品，基本保额2,191,880元，10年交费，年交保费500,000元。

小宝的保险利益演示如下： （单位：人民币元）

保险

单年

度末

到达

年龄

当年度

保险费

累计已交

保险费

保证利益（不含红利） 非保证利益（含红利）

有效保

险金额

身故保险金

全残保险金 现金价值

当年度增额红利 累积增额红利 有效保险金额 身故保险金/全残保险金 现金价值

高 中 低 高 中 低 高 中 低 高 中 低 高 中 低

1 0 500,000 500,000 2,191,880 500,000 174,122 5,059 3,008 - 5,059 3,008 - 2,191,880 2,191,880 2,191,880 501,154 500,686 500,000 182,787 179,274 174,122

2 1 500,000 1,000,000 2,257,636 1,000,000 488,397 11,315 6,696 - 16,374 9,704 - 2,262,847 2,260,735 2,257,636 1,007,470 1,004,427 1,000,000 517,103 505,409 488,397

3 2 500,000 1,500,000 2,325,365 1,500,000 877,016 17,591 10,358 - 33,965 20,062 - 2,342,737 2,335,660 2,325,365 1,523,244 1,513,729 1,500,000 937,949 913,007 877,016

4 3 500,000 2,000,000 2,395,126 2,000,000 1,318,811 23,891 13,996 - 57,856 34,058 - 2,432,241 2,417,049 2,395,126 2,052,791 2,031,077 2,000,000 1,425,009 1,381,326 1,318,811

5 4 500,000 2,500,000 2,466,980 2,500,000 1,789,697 30,219 17,609 - 88,075 51,667 - 2,532,098 2,505,313 2,466,980 2,600,456 2,558,930 2,500,000 1,955,102 1,886,728 1,789,697

6 5 500,000 3,000,000 2,540,990 3,000,000 2,290,560 36,579 21,201 - 124,654 72,868 - 2,643,093 2,600,886 2,540,990 3,170,612 3,099,734 3,000,000 2,530,062 2,430,564 2,290,560

7 6 500,000 3,500,000 2,617,219 3,500,000 2,822,316 42,974 24,771 - 167,628 97,639 - 2,766,063 2,704,228 2,617,219 3,767,669 3,655,910 3,500,000 3,151,807 3,014,236 2,822,316

8 7 500,000 4,000,000 2,695,736 4,000,000 3,385,908 49,408 28,323 - 217,036 125,962 - 2,901,897 2,815,820 2,695,736 4,396,073 4,229,870 4,000,000 3,822,337 3,639,200 3,385,908

9 8 500,000 4,500,000 2,776,608 4,500,000 3,982,308 55,885 31,856 - 272,921 157,818 - 3,051,543 2,936,173 2,776,608 5,060,316 4,824,005 4,500,000 4,543,736 4,306,957 3,982,308

10 9 500,000 5,000,000 2,859,906 5,000,000 4,612,519 62,409 35,373 - 335,330 193,191 - 3,216,006 3,065,823 2,859,906 5,764,937 5,440,697 5,000,000 5,318,177 5,019,064 4,612,519

11 10 - 5,000,000 2,945,703 5,000,000 4,718,512 63,989 35,906 - 399,319 229,097 - 3,396,359 3,205,336 2,945,703 5,910,905 5,522,604 5,000,000 5,578,135 5,211,694 4,718,512

21 20 - 5,000,000 3,958,779 8,000,000 5,920,080 82,179 41,698 - 1,135,464 619,278 - 5,861,129 5,001,953 3,958,779 12,144,256 10,260,262 8,000,000 8,986,871 7,592,697 5,920,080

31 30 - 5,000,000 5,320,268 8,000,000 7,421,637 105,512 48,413 - 2,080,784 1,072,368 - 10,114,772 7,805,676 5,320,268 15,594,518 11,913,966 8,000,000 14,467,107 11,052,642 7,421,637

41 40 - 5,000,000 7,149,995 9,322,312 9,322,312 135,468 56,208 - 3,294,474 1,598,400 - 17,454,792 12,180,684 7,149,995 23,334,081 16,120,487 9,322,312 23,334,081 16,120,487 9,322,312

51 50 - 5,000,000 9,608,996 11,770,979 11,770,979 173,919 65,255 - 4,852,731 2,209,127 - 30,120,468 19,007,529 9,608,996 37,831,436 23,634,579 11,770,979 37,831,436 23,634,579 11,770,979

61 60 - 5,000,000 12,913,687 14,926,152 14,926,152 223,253 75,749 - 6,853,130 2,918,111 - 51,974,291 29,659,756 12,913,687 61,594,245 34,797,754 14,926,152 61,594,245 34,797,754 14,926,152

71 70 - 5,000,000 17,354,915 19,063,305 19,063,305 286,410 87,882 - 9,420,256 3,740,910 - 89,675,081 46,278,941 17,354,915 100,993,527 51,598,895 19,063,305 100,993,527 51,598,895 19,063,305

81 80 - 5,000,000 23,323,555 24,704,556 24,704,556 367,084 101,872 - 12,711,778 4,695,026 - 154,682,093 72,198,804 23,323,555 167,978,288 77,621,929 24,704,556 167,978,288 77,621,929 24,704,556

91 90 - 5,000,000 31,344,908 32,484,017 32,484,017 470,280 118,057 - 16,929,195 5,800,800 - 266,715,080 112,610,787 31,344,908 283,377,429 118,452,812 32,484,017 283,377,429 118,452,812 32,484,017

101 100 - 5,000,000 42,124,935 43,156,541 43,156,541 602,825 136,907 - 22,332,460 7,082,394 - 459,738,793 175,607,694 42,124,935 482,866,617 182,603,785 43,156,541 482,866,617 182,603,785 43,156,541

106 105 - 5,000,000 48,834,345 48,834,345 48,834,345 694,108 149,910 - 25,606,431 7,803,540 - 603,872,476 219,354,633 48,834,345 619,336,968 222,694,577 48,834,345 619,336,968 222,694,577 48,834,345

投保示例

示例三

钱女士，30周岁，选择为自己投保《都会世家终身寿险（分红型）》产品，基本保额1,847,134元，20年交费，年交保费200,000元。

钱女士的保险利益演示如下： （单位：人民币元）

保险

单年

度末

到达

年龄

当年度

保险费

累计已交

保险费

保证利益（不含红利） 非保证利益（含红利）

有效保

险金额

身故保险金

全残保险金 现金价值

当年度增额红利 累积增额红利 有效保险金额 身故保险金/全残保险金 现金价值

高 中 低 高 中 低 高 中 低 高 中 低 高 中 低

1 30 200,000 200,000 1,847,134 320,000 57,571 1,812 1,077 - 1,812 1,077 - 1,847,134 1,847,134 1,847,134 320,314 320,187 320,000 60,222 59,147 57,571

2 31 200,000 400,000 1,902,548 640,000 166,472 4,750 2,813 - 6,562 3,890 - 1,904,414 1,903,657 1,902,548 642,274 641,348 640,000 176,296 172,296 166,472

3 32 200,000 600,000 1,959,624 960,000 300,159 7,697 4,536 - 14,259 8,426 - 1,966,586 1,963,751 1,959,624 967,411 964,379 960,000 322,003 313,067 300,159

4 33 200,000 800,000 2,018,413 1,280,000 459,948 10,654 6,246 - 24,913 14,672 - 2,033,994 2,027,621 2,018,413 1,297,264 1,290,167 1,280,000 499,001 482,947 459,948

5 34 200,000 1,000,000 2,078,966 1,600,000 627,023 13,623 7,945 - 38,536 22,617 - 2,107,005 2,095,479 2,078,966 1,633,380 1,619,591 1,600,000 688,832 663,299 627,023

6 35 200,000 1,200,000 2,141,335 1,920,000 801,583 16,605 9,632 - 55,141 32,249 - 2,186,008 2,167,554 2,141,335 1,977,316 1,953,521 1,920,000 892,075 854,507 801,583

7 36 200,000 1,400,000 2,205,575 2,240,000 983,833 19,602 11,309 - 74,743 43,558 - 2,271,416 2,244,082 2,205,575 2,330,640 2,292,822 2,240,000 1,109,332 1,056,971 983,833

8 37 200,000 1,600,000 2,271,742 2,560,000 1,173,980 22,616 12,976 - 97,359 56,534 - 2,363,666 2,325,313 2,271,742 2,694,933 2,638,352 2,560,000 1,341,230 1,271,098 1,173,980

9 38 200,000 1,800,000 2,339,894 2,880,000 1,372,233 25,647 14,633 - 123,006 71,167 - 2,463,226 2,411,510 2,339,894 3,071,788 2,990,962 2,880,000 1,588,415 1,497,309 1,372,233

10 39 200,000 2,000,000 2,410,091 3,200,000 1,578,807 28,698 16,281 - 151,704 87,448 - 2,570,586 2,502,948 2,410,091 3,462,814 3,351,496 3,200,000 1,851,562 1,736,033 1,578,807

11 40 200,000 2,200,000 2,482,394 3,520,000 1,793,916 31,771 17,921 - 183,475 105,369 - 2,686,271 2,599,916 2,482,394 3,869,640 3,720,797 3,520,000 2,131,369 1,987,714 1,793,916

16 45 200,000 3,200,000 2,877,775 4,480,000 3,008,065 47,551 26,033 - 389,361 219,356 - 3,410,303 3,178,966 2,877,775 5,424,348 5,012,021 4,480,000 3,810,032 3,459,873 3,008,065

20 49 200,000 4,000,000 3,238,961 5,600,000 4,158,967 60,821 32,474 - 612,527 339,593 - 4,206,380 3,777,496 3,238,961 7,457,013 6,629,552 5,600,000 5,538,119 4,923,587 4,158,967

21 50 - 4,000,000 3,336,129 5,600,000 4,251,866 62,362 32,963 - 674,889 372,556 - 4,442,421 3,949,472 3,336,129 7,646,077 6,729,487 5,600,000 5,805,374 5,109,443 4,251,866

31 60 - 4,000,000 4,483,479 5,600,000 5,309,443 80,055 38,261 - 1,392,237 730,703 - 7,668,489 6,164,218 4,483,479 9,820,878 7,815,290 5,600,000 9,311,321 7,409,793 5,309,443

41 70 - 4,000,000 6,025,421 6,736,951 6,736,951 102,723 44,394 - 2,312,760 1,146,274 - 13,234,645 9,619,795 6,025,421 15,172,155 10,917,694 6,736,951 15,172,155 10,917,694 6,736,951

51 80 - 4,000,000 8,097,662 8,664,484 8,664,484 131,713 51,477 - 3,493,598 1,628,348 - 22,835,850 15,010,516 8,097,662 25,052,156 16,302,694 8,664,484 25,052,156 16,302,694 8,664,484

56 85 - 4,000,000 9,387,409 9,891,292 9,891,292 149,080 55,411 - 4,203,418 1,897,425 - 29,992,158 18,748,798 9,387,409 32,400,343 20,051,889 9,891,292 32,400,343 20,051,889 9,891,292

61 90 - 4,000,000 10,882,580 11,342,345 11,342,345 168,729 59,645 - 5,006,779 2,187,052 - 39,386,451 23,416,418 10,882,580 42,086,522 24,771,960 11,342,345 42,086,522 24,771,960 11,342,345

66 95 - 4,000,000 12,615,893 13,043,414 13,043,414 191,035 64,228 - 5,916,206 2,498,881 - 51,718,712 29,244,531 12,615,893 54,820,308 30,689,095 13,043,414 54,820,308 30,689,095 13,043,414

71 100 - 4,000,000 14,625,278 15,021,425 15,021,425 216,515 69,235 - 6,946,335 2,834,822 - 67,910,794 36,522,703 14,625,278 71,511,019 38,075,013 15,021,425 71,511,019 38,075,013 15,021,425

76 105 - 4,000,000 16,954,706 16,954,706 16,954,706 249,048 75,729 - 8,121,508 3,199,271 - 89,215,431 45,625,466 16,954,706 91,501,424 46,320,576 16,954,706 91,501,424 46,320,576 16,954,706

投保示例

示例四

李女士，40周岁，选择为自己投保《都会世家终身寿险（分红型）》产品，基本保额1,505,577元，9年交费，年交保费300,000元。

李女士的保险利益演示如下： （单位：人民币元）

保险

单年

度末

到达

年龄

当年度

保险费

累计已交

保险费

保证利益（不含红利） 非保证利益（含红利）

有效保

险金额

身故保险金

全残保险金 现金价值

当年度增额红利 累积增额红利 有效保险金额 身故保险金/全残保险金 现金价值

高 中 低 高 中 低 高 中 低 高 中 低 高 中 低

1 40 300,000 300,000 1,505,577 480,000 127,158 3,711 2,207 - 3,711 2,207 - 1,505,577 1,505,577 1,505,577 481,183 480,704 480,000 132,266 130,196 127,158

2 41 300,000 600,000 1,550,744 840,000 322,212 8,473 5,015 - 12,184 7,222 - 1,554,567 1,553,018 1,550,744 846,798 844,029 840,000 339,377 332,387 322,212

3 42 300,000 900,000 1,597,267 1,260,000 561,550 13,248 7,803 - 25,432 15,025 - 1,610,193 1,604,928 1,597,267 1,281,284 1,272,574 1,260,000 598,218 583,213 561,550

4 43 300,000 1,200,000 1,645,185 1,680,000 833,303 18,038 10,569 - 43,470 25,594 - 1,672,975 1,661,603 1,645,185 1,728,506 1,708,559 1,680,000 897,433 871,061 833,303

5 44 300,000 1,500,000 1,694,540 2,100,000 1,123,791 22,847 13,316 - 66,317 38,910 - 1,743,466 1,723,346 1,694,540 2,192,500 2,154,272 2,100,000 1,223,885 1,182,519 1,123,791

6 45 300,000 1,800,000 1,745,376 2,520,000 1,433,556 27,678 16,045 - 93,995 54,955 - 1,822,256 1,790,484 1,745,376 2,677,327 2,611,982 2,520,000 1,578,670 1,518,398 1,433,556

7 46 300,000 2,100,000 1,797,738 2,940,000 1,763,144 32,540 18,760 - 126,535 73,715 - 1,909,973 1,863,357 1,797,738 3,187,090 3,083,946 2,940,000 1,962,922 1,879,528 1,763,144

8 47 300,000 2,400,000 1,851,670 3,360,000 2,113,119 37,437 21,464 - 163,972 95,179 - 2,007,292 1,942,330 1,851,670 3,725,937 3,572,411 3,360,000 2,377,804 2,266,758 2,113,119

9 48 300,000 2,700,000 1,907,220 3,780,000 2,484,053 42,378 24,161 - 206,350 119,340 - 2,114,935 2,027,790 1,907,220 4,298,076 4,079,623 3,780,000 2,824,510 2,680,952 2,484,053

10 49 - 2,700,000 1,964,436 3,780,000 2,538,904 43,454 24,526 - 249,804 143,866 - 2,233,676 2,120,148 1,964,436 4,407,174 4,141,199 3,780,000 2,960,157 2,781,510 2,538,904

11 50 - 2,700,000 2,023,370 3,780,000 2,594,902 44,557 24,896 - 294,361 168,762 - 2,359,085 2,216,713 2,023,370 4,519,042 4,203,705 3,780,000 3,102,240 2,885,767 2,594,902

21 60 - 2,700,000 2,719,240 3,780,000 3,227,212 57,230 28,910 - 807,049 439,321 - 4,073,496 3,460,487 2,719,240 5,806,230 4,882,988 3,780,000 4,957,126 4,168,899 3,227,212

26 65 - 2,700,000 3,152,344 3,622,719 3,622,719 64,800 31,126 - 1,115,447 590,410 - 5,352,165 4,323,360 3,152,344 6,306,707 5,043,363 3,622,719 6,306,707 5,043,363 3,622,719

31 70 - 2,700,000 3,654,431 4,085,975 4,085,975 73,413 33,531 - 1,464,861 753,185 - 7,031,840 5,401,220 3,654,431 8,061,452 6,130,039 4,085,975 8,061,452 6,130,039 4,085,975

36 75 - 2,700,000 4,236,487 4,624,209 4,624,209 83,149 36,114 - 1,860,657 928,516 - 9,238,150 6,747,583 4,236,487 10,339,006 7,476,040 4,624,209 10,339,006 7,476,040 4,624,209

41 80 - 2,700,000 4,911,249 5,255,028 5,255,028 94,150 38,886 - 2,308,868 1,117,324 - 12,135,743 8,429,155 4,911,249 13,313,843 9,154,908 5,255,028 13,313,843 9,154,908 5,255,028

46 85 - 2,700,000 5,693,484 5,999,089 5,999,089 106,576 41,860 - 2,816,289 1,320,591 - 15,940,523 10,529,128 5,693,484 17,220,813 11,261,088 5,999,089 17,220,813 11,261,088 5,999,089

51 90 - 2,700,000 6,600,308 6,879,156 6,879,156 120,635 45,062 - 3,390,638 1,539,397 - 20,935,694 13,151,332 6,600,308 22,371,375 13,912,840 6,879,156 22,371,375 13,912,840 6,879,156

56 95 - 2,700,000 7,651,566 7,910,858 7,910,858 136,596 48,526 - 4,040,885 1,774,989 - 27,493,743 16,425,708 7,651,566 29,143,161 17,237,306 7,910,858 29,143,161 17,237,306 7,910,858

61 100 - 2,700,000 8,870,262 9,110,526 9,110,526 154,832 52,313 - 4,777,509 2,028,815 - 36,105,240 20,515,027 8,870,262 38,020,120 21,387,262 9,110,526 38,020,120 21,387,262 9,110,526

66 105 - 2,700,000 10,283,065 10,283,065 10,283,065 178,114 57,223 - 5,617,936 2,304,197 - 47,436,955 25,629,859 10,283,065 48,653,471 26,020,691 10,283,065 48,653,471 26,020,691 10,283,065

投保示例

示例五

周女士，40周岁，选择为自己投保《都会世家终身寿险（分红型）》产品，基本保额2,755,005元，10年交费，年交保费500,000元。

周女士的保险利益演示如下： （单位：人民币元）

保险

单年

度末

到达

年龄

当年度

保险费

累计已交

保险费

保证利益（不含红利） 非保证利益（含红利）

有效保

险金额

身故保险金

全残保险金 现金价值

当年度增额红利 累积增额红利 有效保险金额 身故保险金/全残保险金 现金价值

高 中 低 高 中 低 高 中 低 高 中 低 高 中 低

1 40 500,000 500,000 2,755,005 800,000 176,172 6,028 3,584 - 6,028 3,584 - 2,755,005 2,755,005 2,755,005 801,750 801,041 800,000 184,470 181,106 176,172

2 41 500,000 1,000,000 2,837,655 1,400,000 494,060 13,951 8,259 - 19,979 11,843 - 2,843,864 2,841,347 2,837,655 1,410,153 1,406,018 1,400,000 522,211 510,747 494,060

3 42 500,000 1,500,000 2,922,785 2,100,000 886,901 21,898 12,898 - 41,877 24,741 - 2,943,981 2,935,349 2,922,785 2,131,921 2,118,859 2,100,000 947,288 922,578 886,901

4 43 500,000 2,000,000 3,010,468 2,800,000 1,333,218 29,871 17,503 - 71,748 42,244 - 3,056,228 3,037,504 3,010,468 2,872,920 2,842,934 2,800,000 1,439,090 1,395,554 1,333,218

5 44 500,000 2,500,000 3,100,782 3,500,000 1,808,567 37,873 22,074 - 109,621 64,318 - 3,181,535 3,148,328 3,100,782 3,639,264 3,581,711 3,500,000 1,974,071 1,905,673 1,808,567

6 45 500,000 3,000,000 3,193,806 4,200,000 2,313,776 45,909 26,614 - 155,530 90,932 - 3,320,887 3,268,368 3,193,806 4,437,105 4,338,626 4,200,000 2,553,994 2,454,222 2,313,776

7 46 500,000 3,500,000 3,289,620 4,900,000 2,849,684 53,990 31,129 - 209,520 122,061 - 3,475,331 3,398,198 3,289,620 5,272,648 5,117,095 4,900,000 3,180,673 3,042,510 2,849,684

8 47 500,000 4,000,000 3,388,309 5,600,000 3,417,153 62,128 35,622 - 271,648 157,683 - 3,645,992 3,538,428 3,388,309 6,152,169 5,920,517 5,600,000 3,855,984 3,671,880 3,417,153

9 48 500,000 4,500,000 3,489,958 6,300,000 4,017,059 70,332 40,100 - 341,980 197,783 - 3,834,073 3,689,706 3,489,958 7,082,022 6,752,280 6,300,000 4,581,849 4,343,703 4,017,059

10 49 500,000 5,000,000 3,594,657 7,000,000 4,650,306 78,614 44,568 - 420,594 242,351 - 4,040,863 3,852,719 3,594,657 8,068,658 7,615,773 7,000,000 5,360,247 5,059,382 4,650,306

11 50 - 5,000,000 3,702,496 7,000,000 4,752,720 80,610 45,241 - 501,204 287,592 - 4,267,740 4,028,196 3,702,496 8,273,474 7,730,722 7,000,000 5,617,358 5,248,851 4,752,720

21 60 - 5,000,000 4,975,845 7,000,000 5,908,057 103,540 52,536 - 1,428,740 779,255 - 7,369,304 6,288,381 4,975,845 10,630,186 8,979,955 7,000,000 8,971,963 7,579,154 5,908,057

26 65 - 5,000,000 5,768,369 6,629,649 6,629,649 117,227 56,559 - 1,986,655 1,053,802 - 9,682,536 7,856,374 5,768,369 11,410,340 9,165,521 6,629,649 11,410,340 9,165,521 6,629,649

31 70 - 5,000,000 6,687,120 7,476,789 7,476,789 132,807 60,929 - 2,618,765 1,349,583 - 12,721,193 9,815,022 6,687,120 14,583,838 11,139,414 7,476,789 14,583,838 11,139,414 7,476,789

36 75 - 5,000,000 7,752,205 8,461,685 8,461,685 150,420 65,622 - 3,334,778 1,668,175 - 16,712,551 12,261,569 7,752,205 18,704,077 13,585,295 8,461,685 18,704,077 13,585,295 8,461,685

41 80 - 5,000,000 8,986,930 9,616,000 9,616,000 170,320 70,658 - 4,145,606 2,011,251 - 21,954,464 15,317,218 8,986,930 24,085,719 16,636,020 9,616,000 24,085,719 16,636,020 9,616,000

46 85 - 5,000,000 10,418,315 10,977,533 10,977,533 192,797 76,062 - 5,063,541 2,380,600 - 28,837,501 19,133,147 10,418,315 31,153,608 20,463,220 10,977,533 31,153,608 20,463,220 10,977,533

51 90 - 5,000,000 12,077,683 12,587,938 12,587,938 218,228 81,878 - 6,102,541 2,778,178 - 37,873,958 23,898,009 12,077,683 40,471,157 25,281,756 12,587,938 40,471,157 25,281,756 12,587,938

56 95 - 5,000,000 14,001,345 14,475,814 14,475,814 247,101 88,173 - 7,278,834 3,206,254 - 49,737,657 29,847,896 14,001,345 52,721,498 31,322,658 14,475,814 52,721,498 31,322,658 14,475,814

61 100 - 5,000,000 16,231,396 16,671,047 16,671,047 280,087 95,052 - 8,611,373 3,667,456 - 65,316,026 37,278,583 16,231,396 68,780,064 38,863,504 16,671,047 68,780,064 38,863,504 16,671,047

66 105 - 5,000,000 18,816,637 18,816,637 18,816,637 322,202 103,974 - 10,131,679 4,167,823 - 85,815,195 46,572,655 18,816,637 88,015,829 47,282,796 18,816,637 88,015,829 47,282,796 18,816,637

投保示例

示例六

吴先生，50周岁，选择为自己投保《都会世家终身寿险（分红型）》产品，基本保额5,878,530元，3年交费，年交保费3,000,000元。

吴先生的保险利益演示如下： （单位：人民币元）

保险

单年

度末

到达

年龄

当年度

保险费

累计已交

保险费

保证利益（不含红利） 非保证利益（含红利）

有效保

险金额

身故保险金

全残保险金 现金价值

当年度增额红利 累积增额红利 有效保险金额 身故保险金/全残保险金 现金价值

高 中 低 高 中 低 高 中 低 高 中 低 高 中 低

1 50 3,000,000 3,000,000 5,878,530 4,200,000 1,653,818 47,365 28,262 - 47,365 28,262 - 5,878,530 5,878,530 5,878,530 4,233,841 4,220,192 4,200,000 1,715,522 1,690,636 1,653,818

2 51 3,000,000 6,000,000 6,054,886 8,400,000 4,391,466 100,615 59,745 - 147,980 88,007 - 6,103,672 6,083,996 6,054,886 8,611,453 8,525,756 8,400,000 4,588,597 4,508,704 4,391,466

3 52 3,000,000 9,000,000 6,236,532 12,600,000 7,986,038 154,339 91,176 - 302,319 179,183 - 6,393,524 6,329,899 6,236,532 13,247,988 12,984,060 12,600,000 8,396,742 8,229,460 7,986,038

4 53 - 9,000,000 6,423,628 12,600,000 8,143,414 158,296 92,573 - 460,615 271,756 - 6,753,981 6,619,427 6,423,628 13,587,279 13,182,480 12,600,000 8,781,495 8,519,873 8,143,414

5 54 - 9,000,000 6,616,337 12,600,000 8,303,347 162,353 93,989 - 622,968 365,745 - 7,134,764 6,922,201 6,616,337 13,935,265 13,383,935 12,600,000 9,183,281 8,819,957 8,303,347

6 55 - 9,000,000 6,814,827 12,600,000 8,466,016 166,510 95,425 - 789,478 461,170 - 7,537,018 7,238,826 6,814,827 14,292,162 13,588,469 12,600,000 9,602,989 9,130,174 8,466,016

7 56 - 9,000,000 7,019,272 12,600,000 8,631,600 170,771 96,881 - 960,249 558,051 - 7,961,950 7,569,933 7,019,272 14,658,191 13,796,123 12,600,000 10,041,559 9,451,001 8,631,600

8 57 - 9,000,000 7,229,850 12,600,000 8,800,199 175,140 98,359 - 1,135,389 656,410 - 8,410,836 7,916,183 7,229,850 15,033,585 14,006,945 12,600,000 10,499,884 9,782,849 8,800,199

9 58 - 9,000,000 7,446,746 12,600,000 8,971,828 179,620 99,860 - 1,315,009 756,270 - 8,885,023 8,278,266 7,446,746 15,418,581 14,220,984 12,600,000 10,978,798 10,126,049 8,971,828

10 59 - 9,000,000 7,670,148 12,600,000 9,146,437 184,216 101,384 - 1,499,225 857,654 - 9,385,937 8,656,909 7,670,148 15,813,428 14,438,290 12,600,000 11,479,090 10,480,866 9,146,437

11 60 - 9,000,000 7,900,253 12,600,000 9,323,907 188,931 102,931 - 1,688,156 960,585 - 9,915,086 9,052,868 7,900,253 16,218,382 14,658,911 12,600,000 12,001,482 10,847,486 9,323,907

16 65 - 9,000,000 9,158,558 10,800,000 10,382,033 213,697 110,689 - 2,705,305 1,497,972 - 13,040,402 11,319,900 9,158,558 15,770,170 13,552,065 10,800,000 15,159,855 13,027,592 10,382,033

21 70 - 9,000,000 10,617,279 11,662,427 11,662,427 242,074 119,221 - 3,857,321 2,076,663 - 17,146,817 14,152,637 10,617,279 19,314,973 15,782,322 11,662,427 19,314,973 15,782,322 11,662,427

26 75 - 9,000,000 12,308,336 13,249,401 13,249,401 274,337 128,471 - 5,162,888 2,700,252 - 22,543,877 17,693,075 12,308,336 24,885,843 19,335,399 13,249,401 24,885,843 19,335,399 13,249,401

31 80 - 9,000,000 14,268,735 15,113,595 15,113,595 310,843 138,419 - 6,642,284 3,372,160 - 29,636,804 22,117,873 14,268,735 32,190,788 23,783,358 15,113,595 32,190,788 23,783,358 15,113,595

36 85 - 9,000,000 16,541,375 17,304,220 17,304,220 352,169 149,126 - 8,318,422 4,096,057 - 38,957,315 27,647,496 16,541,375 41,790,580 29,361,498 17,304,220 41,790,580 29,361,498 17,304,220

41 90 - 9,000,000 19,175,987 19,872,864 19,872,864 398,975 160,662 - 10,217,356 4,875,951 - 51,203,917 34,557,438 19,175,987 54,413,493 36,356,425 19,872,864 54,413,493 36,356,425 19,872,864

46 95 - 9,000,000 22,230,225 22,881,552 22,881,552 451,977 173,086 - 12,368,591 5,716,160 - 67,294,043 43,191,890 22,230,225 71,024,977 45,131,097 22,881,552 71,024,977 45,131,097 22,881,552

51 100 - 9,000,000 25,770,923 26,402,032 26,402,032 512,375 186,606 - 14,806,243 6,621,594 - 88,433,897 53,981,306 25,770,923 92,900,784 56,141,361 26,402,032 92,900,784 56,141,361 26,402,032

56 105 - 9,000,000 29,875,563 29,875,563 29,875,563 590,522 204,492 - 17,590,599 7,605,007 - 116,272,480 67,486,080 29,875,563 119,273,601 68,525,339 29,875,563 119,273,601 68,525,339 29,875,563

投保示例

示例七

王女士，65周岁，选择为自己投保《都会世家终身寿险（分红型）》产品，基本保额7,316,500元，趸交，趸交保费10,000,000元。

王女士的保险利益演示如下： （单位：人民币元）

保险

单年

度末

到达

年龄

当年度

保险费

累计已交

保险费

保证利益（不含红利） 非保证利益（含红利）

有效保

险金额

身故保险金

全残保险金 现金价值

当年度增额红利 累积增额红利 有效保险金额 身故保险金/全残保险金 现金价值

高 中 低 高 中 低 高 中 低 高 中 低 高 中 低

1 65 10,000,000 10,000,000 7,316,500 12,000,000 9,055,971 187,536 111,825 - 187,536 111,825 - 7,316,500 7,316,500 7,316,500 12,307,583 12,183,407 12,000,000 9,288,093 9,194,382 9,055,971

2 66 - 10,000,000 7,535,995 12,000,000 9,236,342 192,364 113,546 - 379,900 225,371 - 7,729,157 7,651,175 7,535,995 12,623,085 12,369,637 12,000,000 9,715,928 9,520,850 9,236,342

3 67 - 10,000,000 7,762,075 12,000,000 9,418,923 197,314 115,293 - 577,214 340,664 - 8,165,111 8,001,171 7,762,075 12,946,705 12,558,733 12,000,000 10,162,002 9,857,478 9,418,923

4 68 - 10,000,000 7,994,937 12,000,000 9,603,756 202,390 117,065 - 779,604 457,729 - 8,625,674 8,367,190 7,994,937 13,278,651 12,750,734 12,000,000 10,627,077 10,204,579 9,603,756

5 69 - 10,000,000 8,234,785 12,000,000 9,790,956 207,592 118,862 - 987,196 576,591 - 9,112,236 8,749,963 8,234,785 13,619,128 12,945,683 12,000,000 11,112,024 10,562,551 9,790,956

6 70 - 10,000,000 8,481,829 12,000,000 9,980,727 212,921 120,683 - 1,200,117 697,274 - 9,626,259 9,150,256 8,481,829 13,968,346 13,143,619 12,000,000 11,617,854 10,931,906 9,980,727

7 71 - 10,000,000 8,736,284 12,000,000 10,173,401 218,378 122,527 - 1,418,495 819,801 - 10,169,286 9,568,865 8,736,284 14,326,514 13,344,579 12,000,000 12,145,781 11,313,313 10,173,401

8 72 - 10,000,000 8,998,372 12,000,000 10,369,465 223,961 124,391 - 1,642,456 944,192 - 10,742,942 10,006,624 8,998,372 14,693,839 13,548,596 12,000,000 12,697,270 11,707,641 10,369,465

9 73 - 10,000,000 9,268,323 12,000,000 10,569,606 229,669 126,274 - 1,872,125 1,070,466 - 11,348,937 10,464,397 9,268,323 15,070,526 13,755,702 12,000,000 13,274,126 12,116,029 10,569,606

10 74 - 10,000,000 9,546,373 12,000,000 10,774,756 235,498 128,172 - 2,107,623 1,198,638 - 11,989,071 10,943,088 9,546,373 15,456,773 13,965,920 12,000,000 13,878,580 12,539,949 10,774,756

11 75 - 10,000,000 9,832,764 12,000,000 10,986,151 241,444 130,083 - 2,349,067 1,328,721 - 12,665,233 11,443,633 9,832,764 15,852,772 14,179,273 12,000,000 14,513,413 12,981,304 10,986,151

12 76 - 10,000,000 10,127,747 12,000,000 11,205,406 247,501 132,001 - 2,596,568 1,460,722 - 13,379,405 11,967,008 10,127,747 16,258,705 14,395,772 12,000,000 15,182,116 13,442,539 11,205,406

13 77 - 10,000,000 10,431,580 12,000,000 11,434,615 253,658 133,921 - 2,850,226 1,594,643 - 14,133,665 12,514,220 10,431,580 16,674,737 14,615,419 12,000,000 15,889,099 13,926,807 11,434,615

14 78 - 10,000,000 10,744,527 12,000,000 11,676,496 259,902 135,836 - 3,110,128 1,730,479 - 14,930,180 13,086,314 10,744,527 17,101,010 14,838,208 12,000,000 16,639,989 14,438,189 11,676,496

15 79 - 10,000,000 11,066,863 12,000,000 11,934,586 266,215 137,735 - 3,376,343 1,868,214 - 15,771,210 13,684,367 11,066,863 17,537,636 15,064,111 12,000,000 17,442,036 14,981,995 11,934,586

16 80 - 10,000,000 11,398,869 12,213,519 12,213,519 272,858 139,753 - 3,649,201 2,007,967 - 16,659,101 14,309,485 11,398,869 18,305,173 15,565,442 12,213,519 18,305,173 15,565,442 12,213,519

21 85 - 10,000,000 13,214,413 13,923,715 13,923,715 309,168 150,558 - 5,120,594 2,738,816 - 21,904,383 17,889,095 13,214,413 23,668,496 19,135,837 13,923,715 23,668,496 19,135,837 13,923,715

26 90 - 10,000,000 15,319,126 15,966,325 15,966,325 350,318 162,210 - 6,787,799 3,526,198 - 28,797,782 22,362,570 15,319,126 30,778,900 23,661,319 15,966,325 30,778,900 23,661,319 15,966,325

31 95 - 10,000,000 17,759,066 18,360,875 18,360,875 397,083 174,830 - 8,677,285 4,374,703 - 37,857,289 27,953,260 17,759,066 40,136,662 29,339,263 18,360,875 40,136,662 29,339,263 18,360,875

36 100 - 10,000,000 20,587,625 21,145,270 21,145,270 450,563 188,631 - 10,820,001 5,289,652 - 49,765,797 34,941,196 20,587,625 52,415,939 36,432,788 21,145,270 52,415,939 36,432,788 21,145,270

41 105 - 10,000,000 23,866,700 23,866,700 23,866,700 518,859 206,513 - 13,267,224 6,283,148 - 65,452,348 43,688,913 23,866,700 67,144,886 44,362,566 23,866,700 67,144,886 44,362,566 23,866,700

注：1、利益演示中除当年度保险费、累计已交保险费、有效保险金额为保险单年度初的数值外，其他各项均为保险单年度末的数值。2、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，保单的红利水平是不保证的，在某些年度红利可能为零。

犹豫期及退保

1. 您在书面签收保险合同之日起的十五日内（含第十五日）为犹豫期。如您在本合同

约定的犹豫期内申请解除本合同，自我们收到保险合同终止申请之日起，本合同终

止，我们自本合同生效日起自始不承担保险责任，并将自收到保险合同终止申请之

日起 30日内无息退还已收保险费。

2. 如您在本合同约定的犹豫期后申请解除合同，自我们收到保险合同终止申请时起，

本合同终止。我们自收到保险合同终止申请之日起 30 日内，按照本合同约定向您退

还本合同的现金价值。

3. 您在犹豫期后解除合同可能会遭受一定损失。

本产品说明书仅供参考，详细内容请参阅保险条款，并以保险合同为准。