赢聚一生课件

第一PPTHTTP://WWW.1PPT.COM寿险市场部2014年3月1寿险市场部2014年3月第一PPTHTTP://WWW.1PPT.COM寿险市场部2014年3月1财富汇聚赢定今生中国平安秦苏一PPTHTTP://WWW.1PPT.COM市场环境最热销产品形态让生存金二次增值的万能账户监管环境费率市场化给客户提供性价比更高的产品监管最鼓励客户最认可首款费率市场化年金+万能账户产品3第一PPTHTTP://WWW.1PPT.COM4费率市场化和万能账户的完美结合2014年3月25日隆重上市第一PPTHTTP://WWW.1PPT.COM赢聚一生高成长高定价高灵活6第一PPTHTTP://WWW.1PPT.COM销售理财型产品的金融企业最怕什么支持费改政策平安积极尝试7长期保证利率第一PPTHTTP://WWW.1PPT.COM现金价值高确定利益高生存金高高定价平安首款4%定价利率的储蓄型产品确定利益高，兼顾客户安全性和收益性的需要8第一PPTHTTP://WWW.1PPT.COM高成长万能账户二次增值，满足客户收益性需要养老保险金生存保险金赢聚一生二次增值附加万能账户（不收初始费用）12第一PPTHTTP://WWW.1PPT.COM高灵活可贷款可领取，满足客户流动性需要投保人部分领取被保险人领取生存保险金17附加险万能账户价值投保人保单贷款主险现金价值第一PPTHTTP://WWW.1PPT.COM主险产品责任主险产品类型普通型、年金险保险期间终身生存保险金第3个保单周年日开始，每年给付基本保额的12%，至终身养老保险金60周岁的保单周年日之后，每年给付基本保额的12%身故保险金MAX(主险所交保费,现金价值)交费期及交费方式三、五、十年交年交、半年交、季交、月交可转入附加万能账户20第一PPTHTTP://WWW.1PPT.COM附加险产品责任附加险产品类型万能型、两全险保险期间终身保证利率1.75%生存保险金第3个保单周年日开始，生存金受益人可随时领取，按照申请的金额给付，保单账户价值和基本保险金额按领取的金额等额减少。身故保险金18岁前：MAX(附加险基本保额,附加险保单账户价值)18岁后：MAX(附加险基本保额*105%,附加险保单账户价值)*附加险基本保险金额=主险转入的生存保险金+主险转入的养老保险金+追加保费-部分领取-附加险生存金领取追加保费投保人可随时追加附加险保费部分领取投保人可随时部分领取附加险保单账户价值费用收取追加保费初始费用2%；主险转入不收取费用；部分领取和生存金领取不收取费用21第一PPTHTTP://WWW.1PPT.COM主要投保规则产品组合投保年龄三年交：0-57岁五年交：0-55岁十年交：0-50岁最低保费三年交：最低3万（部分机构2万）五年交：最低2万十年交：最低1.5万追加保费最低1000元，且为100的整数倍，不设上限搭配规则主附险必须同时投保，不可单独退保附加险核保规则次标体不做弱体加费。EM≤500按标准体承保；EM>500时拒保投保书的填写电子投保书“生存金领取”栏“累积生息”改为“进入附加险保单账户价值，投保时需在三者中选择勾选。22第一PPTHTTP://WWW.1PPT.COM交费期间保单经过年度1年2年3年4年5年三年交9%2%2%----五年交12%5%4%3%--十年交22%5%5%3%3%追加保费：1%转入生存金无佣金三年交0.3；五年交0.5；十年交1追加0.1佣金折标23第一PPTHTTP://WWW.1PPT.COM举例（1/2）：30岁男性，一类职业，基本保额5万，缴费期5年保单

年度期交保费累计保费进入万能保单账户的价值生存总利益身故总利益当年生存金当年养老金现金价值身故保险金保单年度末保单账户价值

（即现金价值）附加险身故保险金

低中高低中高1454654546502347045465002347045465000000245465909300559609093000559609093000000034546513639509496013639560000889601363950000004454651818606000137540188160600001252701818606105627063606300630063605454652273256000184122.15240147.156000016530022732512316.8412822.1513101.61260012822.1513101.6602273256000193154.1468246994.14686000016748522732518637.3819669.1520247.71890019669.1520247.7702273256000202604.2584254149.25846000016978022732525068.5426824.2627822.562520026824.2627822.56802273256000212481.35261626.356000017218022732531612.2434301.3535851.9131612.2434301.3535851.91902273256000241559.9107269439.91076000019344522732538270.4542114.9144363.0338270.4542114.9144363.031002273256000274125.0817277605.08176000021784522732545045.1850280.0853384.8145045.1850280.0853384.811102273256000285357.6854286137.68546000022054522732551938.4758812.6962947.951938.4758812.6962947.91202273256000297089.2562297089.25626000022336022936058952.467729.2673084.7758952.467729.2673084.771302273256000309327.0728309327.07286000022628023228066089.0677047.0783829.8666089.0677047.0783829.861402273256000322104.191322104.1916000022932023532073350.6286784.1995219.6573350.6286784.1995219.651502273256000335439.4796335439.47966000023248023848080739.2696959.48107292.880739.2696959.48107292.81602273256000349352.6562349352.65626000023576024176088257.2107592.7120090.488257.2107592.7120090.41702273256000363879.3257363879.32576000023917524517595906.7118704.3133655.895906.7118704.3133655.81802273256000379036.0204379036.020460000242720248720103690.1130316148035.2103690.1130316148035.21902273256000394860.2413394860.241360000246410252410111609.6142450.2163277.3111609.6142450.2163277.32002273256000411370.5022411370.502260000250240256240119667.8155130.5179433.9119667.8155130.5179433.92102273256000428606.3748428606.374860000254225260225127867168381.4196560127867168381.41965602202273256000446588.5366446588.536660000258360264360136209.7182228.5214713.5136209.7182228.5214713.52302273256000465358.8208465358.820860000262660268660144698.3196698.8233956.4144698.3196698.8233956.42402273256000484950.2677484950.267760000267130273130153335.6211820.3254353.7153335.6211820.3254353.72502273256000505397.1798505397.179860000271775277775162123.9227622.2275975162123.9227622.22759752602273256000526730.1779526730.177960000276595282595171066.1244135.2298893.5171066.1244135.2298893.52702273256000549001.2609549001.260960000281610287610180164.8261391.3323187.1180164.8261391.3323187.12802273256000572233.8676572233.867660000286810292810189422.6279423.9348938.3189422.6279423.9348938.32902273256000596487.9417596487.941760000292220298220198842.5298267.9376234.6198842.5298267.9376234.63002273256000621794.999621794.99960000297835303835208427.3317960405168.7208427.3317960405168.7第一PPTHTTP://WWW.1PPT.COM举例（2/2）：30岁男性，一类职业，基本保额5万，缴费期5年保单

年度期交保费累计保费进入万能保单账户的价值生存总利益身故总利益当年生存金当年养老金现金价值身故保险金保单年度末保单账户价值

（即现金价值）附加险身故保险金3102273256000648203.199648203.19960006000297665309665218179.8338538.2435838.8218179.8338538.2435838.832022732512000675792.4179675792.417960006000297480309480234207.9366312.4474709.1234207.9366312.4474709.133022732512000704611.4767704611.476760006000297275309275250516.5395336.5515911.7250516.5395336.5515911.734022732512000734721.6182734721.618260006000297055309055267110.6425666.6559586.4267110.6425666.6559586.435022732512000766181.616766181.61660006000296820308820283995457361.6605881.5283995457361.6605881.536022732512000799042.8887799042.888760006000296560308560301174.9490482.9654954.4301174.9490482.9654954.437022732512000833369.6187833369.618760006000296275308275318655.5525094.6706971.7318655.5525094.6706971.738022732512000869228.8766869228.876660006000295965307965336442561263.9762110336442561263.976211039022732512000906690.751906690.75160006000295630307630354539.7599060.8820556.6354539.7599060.8820556.640022732512000945818.4848945818.484860006000295260307260372954.1638558.5882510372954.1638558.588251041022732512000986693.6166986693.616660006000294860306860391690.8679833.6948180.6391690.8679833.6948180.6420227325120001029391.1291029391.12960006000294425306425410755.4722966.11017791410755.4722966.11017791430227325120001073989.6051073989.60560006000293950305950430153.6768039.61091579430153.6768039.61091579440227325120001120576.3871120576.38760006000293435305435449891.3815141.41169794449891.3815141.41169794450227325120001169232.751169232.7560006000292870304870469974.4864362.71252701469974.4864362.71252701460227325120001220054.0741220054.07460006000292255304255490409915799.11340583490409915799.11340583470227325120001273135.0321273135.03260006000291585303585511201.19695501433738511201.19695501433738480227325120001328574.7831328574.78360006000290855302855532357.210257201532483532357.210257201532483490227325120001386477.1741386477.17460006000290060302060553883.410844171637152553883.410844171637152500227325120001446955.9461446955.94660006000289200301200575786.411457561748101575786.411457561748101510227325120001510114.9641510114.96460006000288260300260598072.612098551865707598072.612098551865707520227325120001576073.4371576073.43760006000287235299235620748.912768381990369620748.912768381990369530227325120001644961.1671644961.167600060002861252981256438221346836212251164382213468362122511540227325120001716903.7951716903.79560006000284920296920667298.914199842262582667298.914199842262582550227325120001792038.0651792038.06560006000283615295615691186.614964232411057691186.614964232411057560227325120001870497.1031870497.10360006000282195294195715492.415763022568440715492.415763022568440570227325120001952435.6981952435.69860006000280660292660740223.516597762735267740223.516597762735267580227325120002038005.6042038005.60460006000279000291000765387.417470062912103765387.417470062912103590227325120002127360.8572127360.85760006000277200289200790991.718381613099549790991.718381613099549600227325120002220678.0952220678.09560006000275260287260817044.119334183298242817044.119334183298242610227325120002318126.9092318126.90960006000273165285165843552.320329623508856843552.320329623508856620227325120002419895.1952419895.19560006000270910282910870524.521369853732108870524.521369853732108630227325120002526174.5292526174.52960006000268485280485897968.722456903968754897968.722456903968754640227325120002637165.5582637165.55860006000265880277880925893.123592864219599925893.123592864219599650227325120002753078.4082753078.40860006000263085275085954306.324779934485495954306.324779934485495660227325120002874133.1112874133.11160006000260090272090983216.626020434767345983216.626020434767345670227325120003000565.0513000565.05160006000256890268890101263327316755066106101263327316755066106680227325120003132610.4293132610.42960006000253470265470104256428671405382792104256428671405382792690227325120003270531.7483270531.74860006000249830261830107301930087025718480107301930087025718480700227325120003414593.3273414593.32760006000245960257960110400731566336074309110400731566336074309710227325120003565071.8263565071.82660006000241850253850113553733112226451487113553733112226451487720227325120003722261.8093722261.80960006000237495249495116761934727676851296116761934727676851296730227325120003886471.3153886471.31560006000232890244890120026236415817275094120026236415817275094740227325120004058022.4744058022.47460006000228030240030123347738179927724320123347738179927724320750227325120004237257.1354237257.13560006000222915234915126727240023428200499126727240023428200499第一PPTHTTP://WWW.1PPT.COM保单

年度期交保费累计保费进入万能保单账户的价值生存总利益身故总利益当年生存金当年养老金现金价值身故保险金保单年度末保单账户价值

（即现金价值）

附加险身故保险金

低中高低中高1628756287503447562875003447562875000000262875125750081130125750008113012575000000036287518862501381401886256000013214018862500000040188625600014498519489560000132715188625610562706360610562706360501886256000152147.2201447.26000013332518862512316.8412822.1513101.612316.8412822.1513101.6601886256000159639.1208294.16000013397018862518637.3819669.1520247.718637.3819669.1520247.7701886256000167469.3215449.36000013464518862525068.5426824.2627822.5625068.5426824.2627822.56801886256000175656.3222926.36000013535518862531612.2434301.3535851.9131612.2434301.3535851.91901886256000200929.9230739.96000015281518862538270.4542114.9144363.0338270.4542114.9144363.031001886256000230535.1238905.16000017425518862545045.1850280.0853384.8145045.1850280.0853384.811101886256000240032.7247437.76000017522018862551938.4758812.6962947.951938.4758812.6962947.91201886256000249949.3256354.36000017622018862558952.467729.2673084.7758952.467729.2673084.771301886256000260307.1265672.16000017726018862566089.0677047.0783829.8666089.0677047.0783829.861401886256000271124.2275409.26000017834018862573350.6286784.1995219.6573350.6286784.1995219.651501886256000282429.5285584.56000017947018862580739.2696959.48107292.880739.2696959.48107292.81601886256000294232.7296217.76000018064018862588257.2107592.7120090.488257.2107592.7120090.41701886256000306564.3307329.36000018186018862595906.7118704.3133655.895906.7118704.3133655.8180188625600031945131945160000183135189135103690.1130316148035.2103690.1130316148035.21901886256000332905.2332905.260000184455190455111609.6142450.2163277.3111609.6142450.2163277.32001886256000346960.5346960.560000185830191830119667.8155130.5179433.9119667.8155130.5179433.92101886256000361641.4361641.460000187260193260127867168381.4196560127867168381.41965602201886256000376973.5376973.560000188745194745136209.7182228.5214713.5136209.7182228.5214713.52301886256000392988.8392988.860000190290196290144698.3196698.8233956.4144698.3196698.8233956.42401886256000409720.3409720.360000191900197900153335.6211820.3254353.7153335.6211820.3254353.72501886256000427192.2427192.260000193570199570162123.9227622.2275975162123.9227622.22759752601886256000445445.2445445.260000195310201310171066.1244135.2298893.5171066.1244135.2298893.52701886256000464511.3464511.360000197120203120180164.8261391.3323187.1180164.8261391.3323187.12801886256000484423.9484423.960000199000205000189422.6279423.9348938.3189422.6279423.9348938.32901886256000505222.9505222.960000200955206955198842.5298267.9376234.6198842.5298267.9376234.6300188625600052695052695060000202990208990208427.3317960405168.7208427.3317960405168.73101886256000549638.2549638.260000205100211100218179.8338538.2435838.8218179.8338538.2435838.83201886256000573342.4573342.460000207300213300228102.9360042.4468349.1228102.9360042.4468349.13301886256000598099.3598099.360000209585215585238199.7382514.3502810.1238199.7382514.3502810.13401886256000623957.5623957.560000211960217960248473.2405997.5539338.7248473.2405997.5539338.73501886256000650967.4650967.460000214430220430258926.5430537.4578059258926.5430537.45780593601886256000679181.5679181.560000217000223000269562.7456181.5619102.5269562.7456181.5619102.53701886256000708649.7708649.760000219670225670280385482979.7662608.7280385482979.7662608.73801886256000739428.8739428.860000222445228445291396.8510983.8708725.2291396.8510983.8708725.23901886256000771578.1771578.160000225330231330302601.2540248.1757608.7302601.2540248.1757608.74001886256000805159.2805159.260000228330234330314001.7570829.2809425.2314001.7570829.2809425.24101886256000840236.5840236.560000231450237450325601.8602786.5864350.7325601.8602786.5864350.74201886256000876871.9876871.960000234690240690337404.8636181.9922571.8337404.8636181.9922571.84301886256000915135.1915135.160000238055244055349414.4671080.1984286.1349414.4671080.1984286.14401886256000955108.7955108.760000241560247560361634.1707548.71049703361634.1707548.710497034501886256000996853.4996853.460000245195251195374067.7745658.41119045374067.7745658.4111904546018862560001040458104045860000248975254975386718.9785483.11192548386718.9785483.1119254847018862560001086005108600560000252905258905399591.5827099.81270461399591.5827099.8127046148018862560001133579113357960000256990262990412689.4870589.31353049412689.4870589.3135304949018862560001183266118326660000261230267230426016.4916035.81440592426016.4916035.8144059250018862560001235167123516760000265640271640439576.7963527.41533387439576.7963527.41533387举例（1/2）：5岁男孩，基本保额5万，缴费期3年第一PPTHTTP://WWW.1PPT.COM保单

年度期交保费累计保费进入万能保单账户的价值生存总利益身故总利益当年生存金当年养老金现金价值身故保险金保单年度末保单账户价值

（即现金价值）

附加险身故保险金

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