三季度聯袂分紅險大打“組合拳”

　　中(zhong)(zhong)國人(ren)壽相關人(ren)士介紹，今(jin)年(nian)上半年(nian)中(zhong)(zhong)國人(ren)壽保(bao)險(xian)(xian)股份有限公(gong)司未(wei)計入保(bao)險(xian)(xian)合同(tong)核算的(de)保(bao)戶(hu)投資(zi)款(kuan)和獨(du)立賬(zhang)戶(hu)本年(nian)新增交(jiao)費合計達1800多億元(yuan)。如何(he)充分(fen)利用(yong)這筆(bi)資(zi)金(jin)給客戶(hu)創造更多的(de)收(shou)益，這是(shi)擺在中(zhong)(zhong)國人(ren)壽面前的(de)一大課題。為此(ci)，中(zhong)(zhong)國人(ren)壽推出了一款(kuan)萬(wan)能(neng)險(xian)(xian)產品—國壽金(jin)賬(zhang)戶(hu)年(nian)金(jin)保(bao)險(xian)(xian)(萬(wan)能(neng)型)。

　　據了解，這款產品(pin)將(jiang)首先以和國壽瑞(rui)鑫(xin)兩(liang)全保(bao)險(xian)(分紅型)(2013版)、國壽附加瑞(rui)鑫(xin)提前給(gei)付重大疾病保(bao)險(xian)(2013版)及國壽附加瑞(rui)鑫(xin)長期(qi)意(yi)外(wai)傷(shang)害保(bao)險(xian)(2013版)進行(xing)組合的方式進行(xing)銷售，名(ming)稱為“瑞(rui)鑫(xin)金賬戶(2013版)”。該(gai)保(bao)險(xian)產品(pin)組合將(jiang)成為三季度國壽的主打產品(pin)之(zhi)一。

　　國壽推出年金類(lei)萬(wan)能險(xian)產品(pin)

　　2013年，壽(shou)險行業處在(zai)轉(zhuan)型變(bian)革的(de)關(guan)鍵階段，在(zai)人(ren)身保(bao)險產品(pin)費(fei)率(lv)放(fang)開(kai)和投資渠道放(fang)開(kai)的(de)引(yin)導下，來自互聯網渠道的(de)萬能(neng)險產品(pin)熱銷再度引(yin)起了保(bao)險公司的(de)關(guan)注。中(zhong)國人(ren)壽(shou)緊抓市場契(qi)機，適(shi)時推出重磅產品(pin)“瑞鑫金(jin)賬戶(hu)(2013版)”。那么該款產品(pin)在(zai)市場中(zhong)都有哪(na)些優勢，又(you)或者(zhe)說如何吸引(yin)客(ke)戶(hu)呢?

　　首先(xian)，國壽金(jin)賬戶年金(jin)保(bao)險(萬能(neng)型)針(zhen)對自動轉(zhuan)入的保(bao)險費無(wu)初始費用、無(wu)保(bao)單(dan)管(guan)理(li)費。

　　其次，該產品具(ju)有(you)年(nian)(nian)金(jin)(jin)給(gei)付功能。合(he)(he)同(tong)生效(xiao)滿三個保單年(nian)(nian)度，且被(bei)保險人(ren)生存，年(nian)(nian)金(jin)(jin)受益人(ren)可向保險公司申請(qing)年(nian)(nian)金(jin)(jin)。自年(nian)(nian)金(jin)(jin)受益人(ren)提(ti)出申請(qing)后的首個年(nian)(nian)生效(xiao)對(dui)應日(ri)起，若被(bei)保險人(ren)生存至(zhi)合(he)(he)同(tong)的年(nian)(nian)生效(xiao)對(dui)應日(ri)，保險公司將每年(nian)(nian)在合(he)(he)同(tong)的年(nian)(nian)生效(xiao)對(dui)應日(ri)按(an)當時(shi)個人(ren)賬戶價值的10%給(gei)付年(nian)(nian)金(jin)(jin)。

　　再次，該產(chan)品投(tou)保(bao)(bao)(bao)和(he)支取都(dou)十分(fen)靈活。出生28天至年(nian)滿80周歲的人都(dou)可(ke)以成為被保(bao)(bao)(bao)險人，從第六個保(bao)(bao)(bao)單年(nian)度開始，投(tou)保(bao)(bao)(bao)人部分(fen)領取個人賬戶價值或退(tui)保(bao)(bao)(bao)均不收手續費和(he)退(tui)保(bao)(bao)(bao)費用。

　　此外，如果被(bei)保(bao)(bao)險人(ren)在保(bao)(bao)險期限內(nei)身故(gu)，保(bao)(bao)險公(gong)司按身故(gu)時的個人(ren)賬戶價值給付身故(gu)保(bao)(bao)險金。

　　聯袂分紅險，大(da)打“組合(he)拳”

　　據了解(jie)，由國(guo)壽(shou)(shou)金賬戶年金保(bao)險(萬(wan)能(neng)型)和(he)國(guo)壽(shou)(shou)瑞(rui)鑫(xin)兩(liang)全保(bao)險(分紅型)(2013版(ban)(ban))、國(guo)壽(shou)(shou)附加瑞(rui)鑫(xin)提前(qian)給付重大(da)疾病保(bao)險(2013版(ban)(ban))和(he)國(guo)壽(shou)(shou)附加瑞(rui)鑫(xin)長期意外(wai)傷(shang)害保(bao)險(2013版(ban)(ban))組合而成的“瑞(rui)鑫(xin)金賬戶(2013版(ban)(ban))”是一(yi)份十分全面的保(bao)障(zhang)(zhang)計劃，一(yi)份投入即可享有40種重大(da)疾病保(bao)障(zhang)(zhang)、高額(e)意外(wai)保(bao)障(zhang)(zhang)、養老保(bao)障(zhang)(zhang)、教育保(bao)障(zhang)(zhang)以及萬(wan)能(neng)賬戶五項保(bao)障(zhang)(zhang)功能(neng)。

　　重大(da)(da)疾(ji)病(bing)(bing)(bing)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)方(fang)面，被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人可以獲得(de)高達(da)(da)40種重大(da)(da)疾(ji)病(bing)(bing)(bing)保(bao)(bao)(bao)(bao)(bao)障(zhang)。重大(da)(da)疾(ji)病(bing)(bing)(bing)保(bao)(bao)(bao)(bao)(bao)障(zhang)方(fang)面，被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)障(zhang)病(bing)(bing)(bing)種數(shu)多達(da)(da)40種。在生(sheng)存金(jin)(jin)方(fang)面，國壽(shou)(shou)瑞(rui)鑫兩全保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(分(fen)紅(hong)型)(2013版(ban))自合(he)同(tong)(tong)生(sheng)效滿三個保(bao)(bao)(bao)(bao)(bao)單年(nian)度的(de)(de)(de)年(nian)生(sheng)效對應(ying)日起(qi)，被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人每年(nian)將得(de)到一(yi)定(ding)數(shu)額的(de)(de)(de)生(sheng)存保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)(jin)，直至84周歲(sui)。在85周歲(sui)期滿時，還(huan)有3倍基(ji)本(ben)保(bao)(bao)(bao)(bao)(bao)額的(de)(de)(de)滿期保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)(jin)給付(fu);身故(gu)保(bao)(bao)(bao)(bao)(bao)障(zhang)方(fang)面，成年(nian)后(hou)有3倍基(ji)本(ben)保(bao)(bao)(bao)(bao)(bao)額的(de)(de)(de)身故(gu)保(bao)(bao)(bao)(bao)(bao)障(zhang)(含(han)疾(ji)病(bing)(bing)(bing)身故(gu)和意外(wai)身故(gu))。若還(huan)投保(bao)(bao)(bao)(bao)(bao)了國壽(shou)(shou)附加(jia)瑞(rui)鑫長期意外(wai)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(2013版(ban))，若被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人因意外(wai)傷(shang)害(hai)(hai)(hai)導致身故(gu)，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)該附加(jia)合(he)同(tong)(tong)約定(ding)，根據意外(wai)傷(shang)害(hai)(hai)(hai)發(fa)生(sheng)的(de)(de)(de)不同(tong)(tong)情況，按(an)基(ji)本(ben)保(bao)(bao)(bao)(bao)(bao)額的(de)(de)(de)3、6、9倍額外(wai)給付(fu)意外(wai)傷(shang)害(hai)(hai)(hai)身故(gu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)(jin)(成年(nian)后(hou))。此(ci)外(wai)，客戶(hu)(hu)通過(guo)將分(fen)紅(hong)險(xian)(xian)(xian)每年(nian)產(chan)生(sheng)的(de)(de)(de)生(sheng)存保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)(jin)轉(zhuan)入(ru)萬能(neng)險(xian)(xian)(xian)賬戶(hu)(hu)內，還(huan)能(neng)實現額外(wai)的(de)(de)(de)財富增值。此(ci)外(wai)，客戶(hu)(hu)通過(guo)將分(fen)紅(hong)險(xian)(xian)(xian)每年(nian)產(chan)生(sheng)的(de)(de)(de)生(sheng)存保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)(jin)轉(zhuan)入(ru)萬能(neng)險(xian)(xian)(xian)賬戶(hu)(hu)內，實現額外(wai)的(de)(de)(de)財富增值。

　　資深(shen)保險(xian)(xian)理(li)財專家(jia)認為，分(fen)(fen)(fen)紅險(xian)(xian)與(yu)萬(wan)(wan)能險(xian)(xian)組合銷售(shou)對客(ke)戶(hu)(hu)是(shi)十分(fen)(fen)(fen)有利的(de)(de)。分(fen)(fen)(fen)紅險(xian)(xian)一(yi)(yi)般每隔一(yi)(yi)定時(shi)間(jian)都會有一(yi)(yi)筆(bi)生(sheng)存(cun)金(jin)給到客(ke)戶(hu)(hu)，而(er)客(ke)戶(hu)(hu)將(jiang)這筆(bi)生(sheng)存(cun)金(jin)轉(zhuan)入萬(wan)(wan)能險(xian)(xian)賬戶(hu)(hu)的(de)(de)話，可(ke)以獲取(qu)萬(wan)(wan)能險(xian)(xian)的(de)(de)收益(yi)。與(yu)此同時(shi)，對于萬(wan)(wan)能險(xian)(xian)來(lai)說，由于其與(yu)分(fen)(fen)(fen)紅險(xian)(xian)進(jin)行的(de)(de)是(shi)組合銷售(shou)，這類(lei)萬(wan)(wan)能險(xian)(xian)一(yi)(yi)般針對自動轉(zhuan)入的(de)(de)保險(xian)(xian)費沒有初始費用(yong)，對客(ke)戶(hu)(hu)來(lai)說是(shi)一(yi)(yi)個(ge)重大利好。而(er)且由于萬(wan)(wan)能險(xian)(xian)的(de)(de)保險(xian)(xian)期限多為終身，也可(ke)以解(jie)決(jue)客(ke)戶(hu)(hu)因(yin)為錯過(guo)生(sheng)存(cun)金(jin)領取(qu)時(shi)間(jian)而(er)帶來(lai)的(de)(de)投資收益(yi)損(sun)失問題。

　　據了解，國壽“金(jin)賬戶”年(nian)金(jin)保(bao)(bao)險(萬能險)將(jiang)在每(mei)個(ge)月(yue)的月(yue)初公(gong)布(bu)上一(yi)個(ge)月(yue)結算利率。中國人壽同時(shi)還表示，每(mei)年(nian)將(jiang)向投(tou)(tou)保(bao)(bao)人提供(gong)一(yi)份(fen)賬戶報告，供(gong)投(tou)(tou)保(bao)(bao)人了解保(bao)(bao)單賬戶的運作情(qing)況。