第 1 页 共 8 页 北大方正人寿保险有限公司 福多多年金保险（终身版）条款 （2018年8月） 目录 第一部分 ······ 您（投保人）与我们（北大方正人寿保险有限公司）的合同 ············································ 3 第一条 合同的构成 ······································································································· 3 第二条 合同成立与生效 ································································································· 3 第三条 投保年龄 ·········································································································· 3 第四条 犹豫期 ············································································································· 3 第二部分 ······ 我们提供的保障 ····································································································· 3 第五条 基本保险金额 ···································································································· 3 第六条 保险期间 ·········································································································· 3 第七条 保险责任 ·········································································································· 3 第八条 责任免除 ································································································