How about Cathay Wealth Classic Type C whole life insurance (investment-linked)?
Payment method: single payment
Insurance age: 0
Liability Exemption: If the insured dies or becomes disabled at the first level listed in the clause schedule due to one of the following circumstances, we will not be responsible for paying insurance benefits:
(1) The policy holder intentionally kills or injures the insured;
(2) The insured intentionally commits a crime, resists criminal coercive measures taken in accordance with the law, or injures himself;
(3) The insured takes, inhales or injects drugs, except where the insured takes, inhales or injects drugs under forced or deceived circumstances;
(4) The insured commits suicide within two years from the date of establishment or reinstatement of this contract, except that the insured is a person without capacity for civil conduct at the time of suicide;
(5) The insured drives under the influence of alcohol, drives without a legal and valid driving license, or drives a motor vehicle without a valid driving license;
(6) War, military conflict, riot or armed rebellion;
(7) Nuclear explosion, nuclear radiation or nuclear pollution.
Insurance case
Mr. Wang, 30 years old, used his idle funds to purchase "Cathay Wealth Classic Type C Whole Life Insurance (Investment-linked)" with a one-time payment of 100,000 yuan, and an additional insurance premium of 50,000 yuan after 5 years. This insurance meets Mr. Wang’s needs for both value-added preservation and protection, and it also has financial management functions such as investment account conversion and partial withdrawal.
The initial fee is charged at the highest standard of 5%, and the surrender fee is charged at the highest annual standard. The benefits under each level of investment return are demonstrated as follows:
Unit: Yuan
Note:
1. This benefit demonstration is based on the company's investment income assumptions and does not represent the company's historical operating performance, nor can it be understood as an expectation for the future. Actual investment income may be negative;
2. The demonstration of each insurance benefit in this demonstration is the end-of-policy-year value;
3. The initial fee and surrender fee for this benefit demonstration are charged according to the highest standard. In actual practice, the initial fee and surrender fee we charge may be lower than this standard, so the actual benefit demonstration will be different from the above table.
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