中意人寿[2022]终身寿险053号 请扫描以查询验证条款 阅读提示 本阅读提示是为了帮助您更好理解条款，对本合同内容的解释以条款正文为准。 ? ? 您拥有的重要权益 ?在犹豫期内您若要求解除合同，我们仅扣除工本费 ·················································· 1.5 ?被保险人可以享有本合同提供的保障利益 ······························································ 2.3 ?您有权解除合同·································································································· 9 您应当特别注意的事项 ?在某些情况下，我们不承担保险责任 ······································· 1.5、2.5、3.2、8.1、11.1 ?您应及时向我们通知保险事故 ············································································· 3.2 ?保险金的申请权应在一定期间内行使 ····································································3.6 ?您应按时支付保险费·························································································· 5.1 ?在某些情况下，本合同效力中止 ······················································5.2、5.3、6.2、8.1 ?解除合同会给您造成一定的损失，请您慎重决策 ····················································· 9.1 ?在某些情况下，本合同效力终止 ········································································ 10.1 ?您有如实告知的义务·························································································11.1 ?我们对一些重要术语进行了解释，请您注意 ····························································13 ? ? 条款是保险合同的重要内容，为充分保障您的权益，请您仔细阅读本条款。 条款目录 1您与我们订立的合同 1.1合同构成 3.5宣告死亡处理 3.6诉讼时效 9合同解除 9.1解除合同的手续及风险 10合同效力的终止 10.1合同效力的终止 11如实告知 1.2保险合同成立与生效 1.3投保年龄 4保单红利 4.1保单红利的确定 5保险费的支付 5.1保险费的支付 5.2宽限期 1.4合同的签收 1.5犹豫期 11.1明确说明与如实告知 11.2本公司合同解除权的限制 12其他需要关注的事项 12.1年龄错误 2我们提供的保障 2.1保险金额 5.3保险费自动垫交 5.4减额交清保险 6现金价值权益 6.1现金价值 2.2保险期间 2.3保险责任 12.2未还款项 2.4未成年人身故保险金限制 2.5责任免除 12.3基本保险金额的变更 12.4合同内容变更 12.5联系方式变更 12.6争议处理 6.2保单贷款 3保险金的申请 3.1受益人 7年金转换权 7.1年金转换权 8合同效力的中止及恢复 8.1效力中止 3.2保险事故通知 3.3保险金的申请 3.4保险金的给付 13释义 8.2效力恢复 下载更多保险资料请到 中意一生中意终身寿险（分红型）条款 在本条款中，“您”指投保人，“我们”、“本公司”均指中意人寿保险有限公司，“本合同”指您与我 们之间订立的“中意一生中意终身寿险（分红型）”保险合同。 1 您与我们订立的合同 1.1 合同构成 本合同是您与我们约定保险权利义务关系的协议，包括本保险条款、 保险单或其他保险凭证、投保单、与保险合同有关的投保文件、合法 有效的声明、批注、批单及其他您与我们共同认可的书面协议。 1.2 保险合同成立与 生效 您提出保险申请、我们同意承保，本合同成立。 除