弘康弘运增利终身寿险

被保险人基本信息
被保险人年龄 28 被保险人性别
弘康弘运增利终身寿险计划书
险种名称 保险期间 基本保额
弘康弘运增利终身寿险 终身 113,760

保险责任 减保填写
注：
1、浅蓝色单元格为可以输入。
2、为保证此计划书正常运行，请确认“Excel选项”-“公
式”-“自动重算”功能已开启；
3、投保年龄及相关规则以公司规定为准；
4、本利益演示表仅作为产品阐释参考，不作为产品合同条款使
用，详情以产品合同条款为准；
终身寿险
信息
被保险人性别 女 1
寿险计划书
交费期间 年交保费
5 30000.00

利益演示
 弘康弘运增利终身寿险保险责任
一、若被保险人在年满18周岁的首个保单周年日（不含当日）之前身故或全残
大者给付身故或全残保险金，本合同效力终止：
（1）被保险人身故或全残时本合同基本保险金额所对应的累计已交保险费；
（2）被保险人身故或全残时本合同的现金价值。

二、若被保险人在年满18周岁的首个保单周年日（含当日）之后，且在交费期
们按照以下两者的较大者给付身故或全残保险金，本合同效力终止：
（1）被保险人身故或全残时本合同基本保险金额所对应的累计已交保险费×给
（2）被保险人身故或全残时本合同的现金价值。

三、若被保险人在年满18周岁的首个保单周年日（含当日）之后，且在交费期
身故或全残保险金 们按照以下三者的较大者给付身故或全残保险金，本合同效力终止：
（1）被保险人身故或全残时本合同基本保险金额所对应的累计已交保险费×给
（2）被保险人身故或全残时本合同的现金价值；
（3）被保险人身故或全残时本合同年度有效保额。
“给付系数”的取值如下：

到达年龄 给付系数
18至40周岁 160%
41至60周岁 140%
61周岁（含）以上 120%
年度有效保额：本合同第一保单年度的年度有效保额为基本保险金额；以后各
为上一保单年度的年度有效保额的1.038倍。

在国家法定节假日内，被保险人以乘客身份乘坐经营客运业务的民航班机、公
共交通工具、水运公共交通工具或乘坐、驾驶私家车期间遭受意外伤害，并自
假日交通工具意外身故保险金 180 日内（含）以该意外伤害为直接原因导致身故的，本公司除按“身故或全
身故保险金外，还将按被保险人身故时本合同年度有效保额给付假日公共交通
效力终止。
寿险保险责任 返回 利益演示

单周年日（不含当日）之前身故或全残，我们按照以下两者的较
力终止：
保险金额所对应的累计已交保险费；
金价值。

单周年日（含当日）之后，且在交费期间届满前身故或全残，我
残保险金，本合同效力终止：
保险金额所对应的累计已交保险费×给付系数；
金价值。

单周年日（含当日）之后，且在交费期间届满后身故或全残，我
残保险金，本合同效力终止：
保险金额所对应的累计已交保险费×给付系数；
金价值；
有效保额。

年度有效保额为基本保险金额；以后各保单年度的年度有效保额
倍。

身份乘坐经营客运业务的民航班机、公路公共交通工具、轨道公
、驾驶私家车期间遭受意外伤害，并自该意外伤害发生之日起
因导致身故的，本公司除按“身故或全残保险金”中的约定给付
本合同年度有效保额给付假日公共交通意外身故保险金，本合同
 减保测算一
保单年度 年末年龄 年末减保金额 累计减保金额 减保后年交保费 减保后基本保额
1 29 - 30,000.00 113,760.00
2 30 - 30,000.00 113,760.00
3 31 - 30,000.00 113,760.00
4 32 - 30,000.00 113,760.00
5 33 - 30,000.00 113,760.00
6 34 - - 113,760.00
7 35 - - 113,760.00
8 36 - - 113,760.00
9 37 - - 113,760.00
10 38 - - 113,760.00
11 39 360,000 360,000 - -86,727.59
12 40 360,000 720,000 - -280,452.31
13 41 360,000 1,080,000 - -467,639.68
14 42 360,000 1,440,000 - -648,500.58
15 43 360,000 1,800,000 - -823,247.12
16 44 360,000 2,160,000 - -992,086.87
17 45 360,000 2,520,000 - -1,155,220.67
18 46 360,000 2,880,000 - -1,312,839.40
19 47 360,000 3,240,000 - -1,465,130.25
20 48 360,000 3,600,000 - -1,612,274.93
21 49 360,000 3,960,000 - -1,754,445.31
22 50 360,000 4,320,000 - -1,891,810.34
23 51 360,000 4,680,000 - -2,024,531.82
24 52 360,000 5,040,000 - -2,152,767.49
25 53 360,000 5,400,000 - -2,276,668.81
26 54 360,000 5,760,000 - -2,396,381.53
27 55 360,000 6,120,000 - -2,512,048.10
28 56 360,000 6,480,000 - -2,623,804.86
29 57 360,000 6,840,000 - -2,731,784.35
30 58 360,000 7,200,000 - -2,836,113.84
31 59 360,000 7,560,000 - -2,936,917.24
32 60 360,000 7,920,000 - -3,034,313.11
33 61 360,000 8,280,000 - -3,128,417.13
34 62 360,000 8,640,000 - -3,219,340.27
35 63 360,000 9,000,000 - -3,307,190.35
36 64 360,000 9,360,000 - -3,392,071.10
37 65 360,000 9,720,000 - -3,474,082.94
38 66 360,000 10,080,000 - -3,553,322.77
39 67 360,000 10,440,000 - -3,629,884.15
40 68 360,000 10,800,000 - -3,703,857.96
41 69 360,000 11,160,000 - -3,775,331.33
42 70 360,000 11,520,000 - -3,844,388.74
43 71 360,000 11,880,000 - -3,911,112.11
44 72 360,000 12,240,000 - -3,975,580.28
45 73 360,000 12,600,000 - -4,037,869.30
46 74 360,000 12,960,000 - -4,098,052.88
47 75 360,000 13,320,000 - -4,156,202.48
48 76 360,000 13,680,000 - -4,212,386.50
49 77 360,000 14,040,000 - -4,266,671.45
50 78 360,000 14,400,000 - -4,319,121.60
51 79 360,000 14,760,000 - -4,369,799.10
52 80 360,000 15,120,000 - -4,418,763.58
53 81 360,000 15,480,000 - -4,466,073.07
54 82 360,000 15,840,000 - -4,511,783.53
55 83 360,000 16,200,000 - -4,555,949.02
56 84 360,000 16,560,000 - -4,598,621.69
57 85 360,000 16,920,000 - -4,639,852.15
58 86 360,000 17,280,000 - -4,679,688.96
59 87 360,000 17,640,000 - -4,718,179.37
60 88 360,000 18,000,000 - -4,755,368.80
61 89 360,000 18,360,000 - -4,791,301.24
62 90 360,000 18,720,000 - -4,826,019.19
63 91 360,000 19,080,000 - -4,859,563.76
64 92 360,000 19,440,000 - -4,891,974.56
65 93 360,000 19,800,000 - -4,923,289.89
66 94 360,000 20,160,000 - -4,953,546.82
67 95 360,000 20,520,000 - -4,982,781.08
68 96 360,000 20,880,000 - -5,011,027.24
69 97 360,000 21,240,000 - -5,038,318.72
70 98 360,000 21,600,000 - -5,064,687.76
71 99 360,000 21,960,000 - -5,090,165.59
72 100 360,000 22,320,000 - -5,114,782.31
73 101 360,000 22,680,000 - -5,138,567.00
74 102 360,000 23,040,000 - -5,161,547.81
75 103 360,000 23,400,000 - -5,183,751.89
76 104 360,000 23,760,000 - -5,205,205.52
77 105 360,000 24,120,000 - -5,225,934.04
78 106 360,000 24,480,000 - -5,246,309.45
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
360,000
 利益演示
减保后现金价值
5,118.00
13,311.00
25,080.00
42,639.00
88,449.00
118,986.00
150,927.00
184,296.00
190,725.00
197,379.00
-155,730.00
-521,166.48
-899,367.78
-1,290,827.40
-1,695,993.28
-2,115,326.99
-2,549,314.90
-2,998,515.49
-3,463,418.00
-3,944,546.25
-4,442,559.03
-4,957,969.94
-5,491,435.78
-6,043,531.39
-6,614,947.69
-7,206,397.01
-7,818,484.72
-8,452,014.43
-9,107,676.83
-9,786,312.96
-10,488,636.09
-11,215,595.84
-11,967,928.05
-12,746,617.84
-13,552,503.26
-14,386,603.65
-15,249,868.21
-16,143,348.82
-17,068,113.49
-18,025,149.03
-19,015,742.57
-20,041,005.33
-21,102,058.81
-22,200,239.97
-23,336,903.96
-24,513,315.99
-25,730,751.42
-26,990,933.14
-28,295,165.35
-29,644,983.61
-31,041,937.28
-32,487,933.77
-33,984,436.96
-35,533,269.81
-37,136,270.93
-38,795,413.25
-40,512,443.22
-42,289,727.17
-44,129,037.08
-46,032,772.61
-48,003,102.01
-50,042,331.80
-52,152,781.90
-54,337,168.76
-56,597,969.21
-58,937,801.69
-61,359,558.79
-63,866,017.89
-66,460,100.87
-69,145,008.59
-71,923,690.84
-74,799,644.79
-77,776,249.80
-80,856,898.79
-84,045,405.21
-87,345,325.26
-90,760,775.41
-92,693,654.76
 弘康弘运增利终身寿险利益演示 弘康弘运增利终身寿险利
保单 年末 累计保费(减保前) 年末身故或全残保险金 年末假日交通工具意外 年末现金价值(减保前) 累计保费(减保后)
年度 年龄 年交保费(减保前) (减保前) 身故保险金(减保前) 年末减保金额 累计减保金额

1 29 30,000 30,000 48,000 113,760 5,118 - - 30,000

2 30 30,000 60,000 96,000 118,083 13,311 - - 60,000
3 31 30,000 90,000 144,000 122,570 25,080 - - 90,000
4 32 30,000 120,000 192,000 127,228 42,639 - - 120,000
5 33 30,000 150,000 240,000 132,062 88,449 - - 150,000
6 34 - 150,000 240,000 137,081 118,986 - - 150,000
7 35 - 150,000 240,000 142,290 150,927 - - 150,000
8 36 - 150,000 240,000 147,697 184,296 - - 150,000
9 37 - 150,000 240,000 153,309 190,725 - - 150,000
10 38 - 150,000 240,000 159,135 197,379 - - 150,000
11 39 - 150,000 240,000 165,182 204,270 360,000 360,000 150,000
12 40 - 150,000 240,000 171,459 211,401 360,000 720,000 150,000
13 41 - 150,000 240,000 177,975 218,784 360,000 1,080,000 150,000
14 42 - 150,000 226,437 184,738 226,437 360,000 1,440,000 150,000
15 43 - 150,000 234,360 191,758 234,360 360,000 1,800,000 150,000
16 44 - 150,000 242,559 199,044 242,559 360,000 2,160,000 150,000
17 45 - 150,000 251,043 206,608 251,043 360,000 2,520,000 150,000
18 46 - 150,000 259,827 214,459 259,827 360,000 2,880,000 150,000
19 47 - 150,000 268,917 222,609 268,917 360,000 3,240,000 150,000
20 48 - 150,000 278,322 231,068 278,322 360,000 3,600,000 150,000
21 49 - 150,000 288,060 239,848 288,060 360,000 3,960,000 150,000
22 50 - 150,000 298,137 248,963 298,137 360,000 4,320,000 150,000
23 51 - 150,000 308,568 258,423 308,568 360,000 4,680,000 150,000
24 52 - 150,000 319,362 268,243 319,362 360,000 5,040,000 150,000
25 53 - 150,000 330,534 278,436 330,534 360,000 5,400,000 150,000
26 54 - 150,000 342,099 289,017 342,099 360,000 5,760,000 150,000
27 55 - 150,000 354,066 300,000 354,066 360,000 6,120,000 150,000
28 56 - 150,000 366,453 311,400 366,453 360,000 6,480,000 150,000
29 57 - 150,000 379,272 323,233 379,272 360,000 6,840,000 150,000
30 58 - 150,000 392,541 335,516 392,541 360,000 7,200,000 150,000
31 59 - 150,000 406,272 348,265 406,272 360,000 7,560,000 150,000
32 60 - 150,000 420,486 361,499 420,486 360,000 7,920,000 150,000
33 61 - 150,000 435,195 375,236 435,195 360,000 8,280,000 150,000
34 62 - 150,000 450,420 389,495 450,420 360,000 8,640,000 150,000
35 63 - 150,000 466,176 404,296 466,176 360,000 9,000,000 150,000
36 64 - 150,000 482,484 419,659 482,484 360,000 9,360,000 150,000
37 65 - 150,000 499,362 435,606 499,362 360,000 9,720,000 150,000
38 66 - 150,000 516,831 452,160 516,831 360,000 10,080,000 150,000
 弘康弘运增利终身寿险利益演示 弘康弘运增利终身寿险利
保单 年末 累计保费(减保前) 年末身故或全残保险金 年末假日交通工具意外 年末现金价值(减保前) 累计保费(减保后)
年度 年龄 年交保费(减保前) (减保前) 身故保险金(减保前) 年末减保金额 累计减保金额

39 67 - 150,000 534,912 469,342 534,912 360,000 10,440,000 150,000

40 68 - 150,000 553,623 487,177 553,623 360,000 10,800,000 150,000
41 69 - 150,000 572,991 505,689 572,991 360,000 11,160,000 150,000
42 70 - 150,000 593,037 524,905 593,037 360,000 11,520,000 150,000
43 71 - 150,000 613,782 544,852 613,782 360,000 11,880,000 150,000
44 72 - 150,000 635,253 565,556 635,253 360,000 12,240,000 150,000
45 73 - 150,000 657,477 587,047 657,477 360,000 12,600,000 150,000
46 74 - 150,000 680,478 609,355 680,478 360,000 12,960,000 150,000
47 75 - 150,000 704,280 632,511 704,280 360,000 13,320,000 150,000
48 76 - 150,000 728,919 656,546 728,919 360,000 13,680,000 150,000
49 77 - 150,000 754,419 681,495 754,419 360,000 14,040,000 150,000
50 78 - 150,000 780,810 707,392 780,810 360,000 14,400,000 150,000
51 79 - 150,000 808,122 734,272 808,122 360,000 14,760,000 150,000
52 80 - 150,000 836,394 762,175 836,394 360,000 15,120,000 150,000
53 81 - 150,000 865,653 791,137 865,653 360,000 15,480,000 150,000
54 82 - 150,000 895,935 821,201 895,935 360,000 15,840,000 150,000
55 83 - 150,000 927,276 852,406 927,276 360,000 16,200,000 150,000
56 84 - 150,000 959,715 884,798 959,715 360,000 16,560,000 150,000
57 85 - 150,000 993,285 918,420 993,285 360,000 16,920,000 150,000
58 86 - 150,000 1,028,034 953,320 1,028,034 360,000 17,280,000 150,000
59 87 - 150,000 1,063,995 989,546 1,063,995 360,000 17,640,000 150,000
60 88 - 150,000 1,101,216 1,027,149 1,101,216 360,000 18,000,000 150,000
61 89 - 150,000 1,139,739 1,066,181 1,139,739 360,000 18,360,000 150,000
62 90 - 150,000 1,179,609 1,106,696 1,179,609 360,000 18,720,000 150,000
63 91 - 150,000 1,220,871 1,148,750 1,220,871 360,000 19,080,000 150,000
64 92 - 150,000 1,263,579 1,192,402 1,263,579 360,000 19,440,000 150,000
65 93 - 150,000 1,307,781 1,237,714 1,307,781 360,000 19,800,000 150,000
66 94 - 150,000 1,353,528 1,284,747 1,353,528 360,000 20,160,000 150,000
67 95 - 150,000 1,400,877 1,333,567 1,400,877 360,000 20,520,000 150,000
68 96 - 150,000 1,449,882 1,384,243 1,449,882 360,000 20,880,000 150,000
69 97 - 150,000 1,500,600 1,436,844 1,500,600 360,000 21,240,000 150,000
70 98 - 150,000 1,553,094 1,491,444 1,553,094 360,000 21,600,000 150,000
71 99 - 150,000 1,607,421 1,548,119 1,607,421 360,000 21,960,000 150,000
72 100 - 150,000 1,663,650 1,606,947 1,663,650 360,000 22,320,000 150,000
73 101 - 150,000 1,721,847 1,668,011 1,721,847 360,000 22,680,000 150,000
74 102 - 150,000 1,782,078 1,731,396 1,782,078 360,000 23,040,000 150,000
75 103 - 150,000 1,844,418 1,797,189 1,844,418 360,000 23,400,000 150,000
76 104 - 150,000 1,908,936 1,865,482 1,908,936 360,000 23,760,000 150,000
 弘康弘运增利终身寿险利益演示 弘康弘运增利终身寿险利
保单 年末 累计保费(减保前) 年末身故或全残保险金 年末假日交通工具意外 年末现金价值(减保前) 累计保费(减保后)
年度 年龄 年交保费(减保前) (减保前) 身故保险金(减保前) 年末减保金额 累计减保金额

77 105 - 150,000 1,975,713 1,936,370 1,975,713 360,000 24,120,000 150,000

78 106 - 150,000 2,009,953 2,009,953 2,009,952 360,000 24,480,000 150,000
弘康弘运增利终身寿险利益演示(年末减保后)
弘康弘运增利终身寿险利益演示
保单 年末 年度有效保额(减保后) 年末身故或全残保险金 年末假日交通工具意外 年末现金价值(减保后)
年度 年龄 (减保后) 身故保险金(减保后)

1 29 113,760 48,000 113,760 5,118

2 30 118,083 96,000 118,083 13,311
3 31 122,570 144,000 122,570 25,080
4 32 127,228 192,000 127,228 42,639
5 33 132,062 240,000 132,062 88,449
6 34 137,081 240,000 137,081 118,986
7 35 142,290 240,000 142,290 150,927
8 36 147,697 240,000 147,697 184,296
9 37 153,309 240,000 153,309 190,725
10 38 159,135 240,000 159,135 197,379
11 39 -125,930 -125,930 -125,930 -155,730
12 40 -422,698 -422,698 -422,698 -521,166
13 41 -731,610 -731,610 -731,610 -899,368
14 42 -1,053,115 -1,053,115 -1,053,115 -1,290,827
15 43 -1,387,692 -1,387,692 -1,387,692 -1,695,993
16 44 -1,735,841 -1,735,841 -1,735,841 -2,115,327
17 45 -2,098,083 -2,098,083 -2,098,083 -2,549,315
18 46 -2,474,951 -2,423,490 -2,474,951 -2,998,515
19 47 -2,867,006 -2,704,618 -2,867,006 -3,463,418
20 48 -3,274,830 -2,976,246 -3,274,830 -3,944,546
21 49 -3,699,022 -3,238,691 -3,699,022 -4,442,559
22 50 -4,140,207 -3,492,266 -4,140,207 -4,957,970
23 51 -4,599,031 -3,737,269 -4,599,031 -5,491,436
24 52 -5,076,171 -3,973,991 -5,076,171 -6,043,531
25 53 -5,572,324 -4,202,711 -5,572,324 -6,614,948
26 54 -6,088,212 -4,423,700 -6,088,212 -7,206,397
27 55 -6,624,592 -4,637,220 -6,624,592 -7,818,485
28 56 -7,182,243 -4,843,522 -7,182,243 -8,452,014
29 57 -7,761,976 -5,042,851 -7,761,976 -9,107,677
30 58 -8,364,633 -5,235,442 -8,364,633 -9,786,313
31 59 -8,991,089 -5,421,524 -8,991,089 -10,488,636
32 60 -9,642,249 -5,601,316 -9,642,249 -11,215,596
33 61 -10,319,056 -5,775,032 -10,319,056 -11,967,928
34 62 -11,022,486 -5,093,893 -11,022,486 -12,746,618
35 63 -11,753,554 -5,232,896 -11,753,554 -13,552,503
36 64 -12,513,313 -5,367,201 -12,513,313 -14,386,604
37 65 -13,302,857 -5,496,967 -13,302,857 -15,249,868
38 66 -14,123,318 -5,622,346 -14,123,318 -16,143,349
弘康弘运增利终身寿险利益演示(年末减保后)
弘康弘运增利终身寿险利益演示
保单 年末 年度有效保额(减保后) 年末身故或全残保险金 年末假日交通工具意外 年末现金价值(减保后)
年度 年龄 (减保后) 身故保险金(减保后)

39 67 -14,975,875 -5,743,488 -14,975,875 -17,068,113

40 68 -15,861,750 -5,860,535 -15,861,750 -18,025,149
41 69 -16,782,212 -5,973,626 -16,782,212 -19,015,743
42 70 -17,738,578 -6,082,894 -17,738,578 -20,041,005
43 71 -18,732,214 -6,188,469 -18,732,214 -21,102,059
44 72 -19,764,541 -6,290,475 -19,764,541 -22,200,240
45 73 -20,837,030 -6,389,034 -20,837,030 -23,336,904
46 74 -21,951,210 -6,484,261 -21,951,210 -24,513,316
47 75 -23,108,670 -6,576,270 -23,108,670 -25,730,751
48 76 -24,311,056 -6,665,169 -24,311,056 -26,990,933
49 77 -25,560,078 -6,751,062 -25,560,078 -28,295,165
50 78 -26,857,510 -6,834,053 -26,857,510 -29,644,984
51 79 -28,205,198 -6,914,239 -28,205,198 -31,041,937
52 80 -29,605,050 -6,991,715 -29,605,050 -32,487,934
53 81 -31,059,053 -7,066,571 -31,059,053 -33,984,437
54 82 -32,569,267 -7,138,898 -32,569,267 -35,533,270
55 83 -34,137,833 -7,208,780 -34,137,833 -37,136,271
56 84 -35,766,968 -7,276,300 -35,766,968 -38,795,413
57 85 -37,458,979 -7,341,538 -37,458,979 -40,512,443
58 86 -39,216,257 -7,404,571 -39,216,257 -42,289,727
59 87 -41,041,285 -7,465,474 -41,041,285 -44,129,037
60 88 -42,936,641 -7,524,318 -42,936,641 -46,032,773
61 89 -44,904,999 -7,581,173 -44,904,999 -48,003,102
62 90 -46,949,136 -7,636,106 -46,949,136 -50,042,332
63 91 -49,071,937 -7,689,183 -49,071,937 -52,152,782
64 92 -51,276,392 -7,740,466 -51,276,392 -54,337,169
65 93 -53,565,607 -7,790,016 -53,565,607 -56,597,969
66 94 -55,942,807 -7,837,891 -55,942,807 -58,937,802
67 95 -58,411,336 -7,884,147 -58,411,336 -61,359,559
68 96 -60,974,669 -7,928,841 -60,974,669 -63,866,018
69 97 -63,636,411 -7,972,023 -63,636,411 -66,460,101
70 98 -66,400,304 -8,013,746 -66,400,304 -69,145,009
71 99 -69,270,234 -8,054,059 -69,270,234 -71,923,691
72 100 -72,250,233 -8,093,010 -72,250,233 -74,799,645
73 101 -75,344,486 -8,130,644 -75,344,486 -77,776,250
74 102 -78,557,338 -8,167,006 -78,557,338 -80,856,899
75 103 -81,893,299 -8,202,139 -81,893,299 -84,045,405
76 104 -85,357,050 -8,236,085 -85,357,050 -87,345,325
弘康弘运增利终身寿险利益演示(年末减保后)
弘康弘运增利终身寿险利益演示
保单 年末 年度有效保额(减保后) 年末身故或全残保险金 年末假日交通工具意外 年末现金价值(减保后)
年度 年龄 (减保后) 身故保险金(减保后)

77 105 -88,953,449 -8,268,883 -88,953,449 -90,760,775

78 106 -92,693,680 -8,301,123 -92,693,680 -92,693,655