第一PPTHTTP://WWW.1PPT.COM壽險市場部2014年3月1壽險市場部2014年3月第一PPTHTTP://WWW.1PPT.COM壽險市場部2014年3月1財富匯聚贏定今生中國平安秦蘇一PPTHTTP://WWW.1PPT.COM市場環(huán)境最熱銷產(chǎn)品形態(tài)讓生存金二次增值的萬能賬戶監(jiān)管環(huán)境費率市場化給客戶提供性價比更高的產(chǎn)品監(jiān)管最鼓勵客戶最認可首款費率市場化年金+萬能賬戶產(chǎn)品3第一PPTHTTP://WWW.1PPT.COM4費率市場化和萬能賬戶的完美結(jié)合2014年3月25日隆重上市第一PPTHTTP://WWW.1PPT.COM贏聚一生高成長高定價高靈活6第一PPTHTTP://WWW.1PPT.COM銷售理財型產(chǎn)品的金融企業(yè)最怕什么支持費改政策平安積極嘗試7長期保證利率第一PPTHTTP://WWW.1PPT.COM現(xiàn)金價值高確定利益高生存金高高定價平安首款4%定價利率的儲蓄型產(chǎn)品確定利益高，兼顧客戶安全性和收益性的需要8第一PPTHTTP://WWW.1PPT.COM高成長萬能賬戶二次增值，滿足客戶收益性需要養(yǎng)老保險金生存保險金贏聚一生二次增值附加萬能賬戶（不收初始費用）12第一PPTHTTP://WWW.1PPT.COM高靈活可貸款可領(lǐng)取，滿足客戶流動性需要投保人部分領(lǐng)取被保險人領(lǐng)取生存保險金17附加險萬能賬戶價值投保人保單貸款主險現(xiàn)金價值第一PPTHTTP://WWW.1PPT.COM主險產(chǎn)品責任主險產(chǎn)品類型普通型、年金險保險期間終身生存保險金第3個保單周年日開始，每年給付基本保額的12%，至終身養(yǎng)老保險金60周歲的保單周年日之后，每年給付基本保額的12%身故保險金MAX(主險所交保費,現(xiàn)金價值)交費期及交費方式三、五、十年交年交、半年交、季交、月交可轉(zhuǎn)入附加萬能賬戶20第一PPTHTTP://WWW.1PPT.COM附加險產(chǎn)品責任附加險產(chǎn)品類型萬能型、兩全險保險期間終身保證利率1.75%生存保險金第3個保單周年日開始，生存金受益人可隨時領(lǐng)取，按照申請的金額給付，保單賬戶價值和基本保險金額按領(lǐng)取的金額等額減少。身故保險金18歲前：MAX(附加險基本保額,附加險保單賬戶價值)18歲后：MAX(附加險基本保額*105%,附加險保單賬戶價值)*附加險基本保險金額=主險轉(zhuǎn)入的生存保險金+主險轉(zhuǎn)入的養(yǎng)老保險金+追加保費-部分領(lǐng)取-附加險生存金領(lǐng)取追加保費投保人可隨時追加附加險保費部分領(lǐng)取投保人可隨時部分領(lǐng)取附加險保單賬戶價值費用收取追加保費初始費用2%；主險轉(zhuǎn)入不收取費用；部分領(lǐng)取和生存金領(lǐng)取不收取費用21第一PPTHTTP://WWW.1PPT.COM主要投保規(guī)則產(chǎn)品組合投保年齡三年交：0-57歲五年交：0-55歲十年交：0-50歲最低保費三年交：最低3萬（部分機構(gòu)2萬）五年交：最低2萬十年交：最低1.5萬追加保費最低1000元，且為100的整數(shù)倍，不設(shè)上限搭配規(guī)則主附險必須同時投保，不可單獨退保附加險核保規(guī)則次標體不做弱體加費。EM≤500按標準體承保；EM>500時拒保投保書的填寫電子投保書“生存金領(lǐng)取”欄“累積生息”改為“進入附加險保單賬戶價值，投保時需在三者中選擇勾選。22第一PPTHTTP://WWW.1PPT.COM交費期間保單經(jīng)過年度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%追加保費：1%轉(zhuǎn)入生存金無傭金三年交0.3；五年交0.5；十年交1追加0.1傭金折標23第一PPTHTTP://WWW.1PPT.COM舉例（1/2）：30歲男性，一類職業(yè)，基本保額5萬，繳費期5年保單

年度期交保費累計保費進入萬能保單賬戶的價值生存總利益身故總利益當年生存金當年養(yǎng)老金現(xiàn)金價值身故保險金保單年度末保單賬戶價值

（即現(xiàn)金價值）附加險身故保險金

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舉例（2/2）：30歲男性，一類職業(yè)，基本保額5萬，繳費期5年保單

年度期交保費累計保費進入萬能保單賬戶的價值生存總利益身故總利益當年生存金當年養(yǎng)老金現(xiàn)金價值身故保險金保單年度末保單賬戶價值

（即現(xiàn)金價值）附加險身故保險金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保單

年度期交保費累計保費進入萬能保單賬戶的價值生存總利益身故總利益當年生存金當年養(yǎng)老金現(xiàn)金價值身故保險金保單年度末保單賬戶價值

（即現(xiàn)金價值）

附加險身故保險金

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舉例（1/2）：5歲男孩，基本保額5萬，繳費期3年第一PPTHTTP://WWW.1PPT.COM保單

年度期交保費累計保費進入萬能保單賬戶的價值生存總利益身故總利益當年生存金當年養(yǎng)老金現(xiàn)金價值身故保險金保單年度末保單賬戶價值

（即現(xiàn)金價值）

附加險身故保險金

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