瑞泰优选之选（C款）投资连结保险（含财智安益账户）

　　瑞泰优选之选（C款）投资连结保险（含财智安益账户）

　　适用年龄：15天至65周岁

　　产品险种：理财保险

　　意外保障

　　19.1 身故保险金

　　我们在本合同项下所承担的保险责任是身故保险金给付责任。被保险人在本合同生效后 身故，我们根据本合同的规定，给付身故保险金，本合同终止。 我们按照收到书面理赔申请和本合同第 25 条规定的证明资料之日的下一个资产评估日 的投资单位卖出价计算出的投保人投资账户价值的 105%，即身故保险金。 您选择犹豫期满后进行投资，被保险人在犹豫期内身故的，身故保险金为您所交纳保 险费的 105%;您选择在本合同生效后立即投资，被保险人在犹豫期内身故的，身故保险金为

　　1） 投保人所交纳保险费；

　　2） 按我们收到书面理赔申请和本合同第 25 条规定的证明资料之日的下一个资产评估 日的投资单位卖出价计算出的投保人投资账户价值；

　　在第五个保单年度届满前，我们将提前 30 日向您发出通知，请您书面确认是否维持投 保人投资账户价值的 105%作为本合同的身故保险金。在第五个保单年度届满日前，如果您 书面确定维持投保人投资账户价值的 105%作为本合同的身故保险金，我们自第六个保单年 度始，按照本合同 14.3 的规定收取风险保险费；在第五个保单年度届满日前，如果您书面 确定不再维持投保人投资账户价值的 105%作为本合同的身故保险金，或我们得不到您的书 面回复，则视为您放弃该保障，自第六个保单年度始，被保险人的身故保险金额自动变更为 投保人投资账户价值的 100%。

　　被保险人是未成年人的，因被保险人死亡给付的保险金总和不得超过国务院保险监督 管理机构规定的限额。

　　在本合同有效且满五个保单年度的前提下，我们将按以下公式计算向您支付持续奖金， 并以投资单位的形式转入您的投资账户（按第六个保单年度第一个资产评估日的投资单位卖 出价计算，并按支付时投保人投资账户价值分分配。

　　

　　瑞泰优选之选（C款）投资连结保险

　　合同条款

　　瑞泰人寿保险有限公司

　　2011年12月

　　第 1 页 共 22 页

　　目录

　　一、基本条款······························································································································3

　　1. 关于瑞泰优选之选（C款）投资连结保险合同（以下简称“本合同”）··············3

　　2. 本合同的构成············································································································3

　　3. 投保条件····················································································································3

　　4. 本合同的生效及有效期间·························································································4

　　5. 犹豫期（撤销本合同）·····························································································4

　　二、投资条款······························································································································5

　　6. 保险费及支付办法·····································································································5

　　7. 开始投资····················································································································6

8. 投资账户的设立与管理··························