某长相伴A款保险产品解析篇课件.pptx

1、刚性终身寿险产品解析篇定位鲜明的产品特色产品解析篇定位鲜明的产品特色长相伴A款无限贴近身价保额的高现金价值，资金安全刚性保证身价、现价、以不低于3%的年复利持续快速增长刚性锁定收益，媲美财富管家万能账户每份10万有效保额终身3%复利递增终身权益，明确归属传承给指定受益人通过“减保”实现资金灵活支配，不受账户余额比例限制，解决人生刚性需求保单贷款应对不时之需，利益不变高现价快增值稳传承活运用金额确定、可贷可领定向传承、免税无忧p 被保险人生存现金价值p 被保险人身故身故保险金投保人受益人时间越长、现价越高；保单贷款最高可贷80%*现金价值保单年度4现金价值/已缴保费87%贷款金额/已缴保费70%

2、595%76%6798%102%78%82%定位鲜明的产品特色高现价：现金价值“起点高”，快速超过保费，夯实增值基础40岁男，5年交，购买10份长相伴A款，年缴210330元年龄累计保费现金价值40岁2103309073044岁1051650100048046岁1051650106801050岁1051650121698060岁10516501697170年龄 70岁累计保费 1051650现金价值 237106080岁1051650330570090岁10516504549980100岁10516506065400104岁10516506713510时间越长复利增值越快定位鲜明的产品特色快增

3、值：缴费期后现金价值按照3%3.5%的定价利率以年复利的形式稳定增长，媲美万能账户！0岁男，5年交，购买10份长相伴A款，年缴171090元您的钱还是您的钱，增值的钱总有一笔属于您年龄累计保费现金价值有效保额身故或全残保险金40岁210330907301000000100000044岁105165010004801125509168264046岁105165010680101194052168264050岁105165012169801343916168264057岁105165015341201652848168264058岁1051650158669017024331702433定位鲜明的

4、产品特色稳传承：有效保额“增速稳”，确保保单资产长期稳定增长40岁男，5年交，购买10份长相伴A款，年缴210330元有效保额每年按3%滚动递增18岁前，给付已交保费和现金价值较大者18-60岁，给付有效保额、现金价值、已交保费*1.6倍三者中较大者60岁后，给付有效保额、现金价值、已交保费*1.2倍三者中较大者身故或全残保险金44岁-58岁，没坎现金价值较所交保费增值535040元，有坎有效保额较所交保费增值650783元。60-80岁每年领10万、共领200万，现金价值结余316964元，可根据生命周期设置多段领取规划注：出了交费期才可减保定位鲜明的产品特色活运用：现金价值“运用活”，满足

5、不同人生阶段需求40岁男，5年交，购买10份长相伴A款，年缴210330元定位鲜明的产品特色客户需求长相伴A款得以兼顾设计要点现价增长传承资金高快稳活刚性兑付抵抗波动权益清晰操作灵活奢俭由心的产品设计产品解析篇客户 需求提供灵活现金流（贷款或减保）身价是什么？身价保障是客户身故时指定传承的资产，是对家庭的责任身价的作用？指定传承，留爱不留债奢俭由心的产品设计无论是中高端客户还是普通客户，需求都可归纳为“现价+身价”只不过占比不同现价是什么？现金价值客户生存时保单长期锁定的增值现价的作用？中端客户需求指定传承资产增值123锁定增额教育养老长期储蓄奢俭由心的产品设计案例一：中端客户子女教育+养老规

6、划（父母为子女投保）父母支出项目较多，长期交费平衡财务压力现价年度增额 现价年度增/上年末现价 额/累计保费保单年度1年龄0累计保费46,400现金价值11,790身故全残保险金46,400身故全残保险金/累计保费1.09101617181920212230315960616570758085891516171819202129305859606469747984417,600464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,0

7、00464,000464,0003.5%3.5%3.5%3.5%3.5%3.5%3.5%3.5%3.5%3.4%3.4%3.4%3.4%3.4%3.4%3.4%3.3%4.4%4.5%4.7%4.8%5.0%5.2%5.3%7.0%7.2%18.5%19.1%19.7%22.5%26.4%31.1%36.6%42.1%417,600486,345597,825618,745640,395851,217876,753903,056930,1471,178,2831,213,6312,776,7002,860,0022,945,8023,315,5263,843,6034,455,7895,216

8、,7706,142,1051.01.01.31.31.41.81.91.92.02.52.66.06.26.37.18.39.611.213.2案例一：中端客户计划书（0岁男性5份10年交，年交46,400元）（1/4）415,485486,345597,825618,745640,395662,710685,805709,705734,430965,820999,4402,587,9152,676,5352,768,1203,165,7853,740,7304,417,0955,216,7706,142,105p 现价高：第10年时现价超过保费，资金安全无忧现价年度增额/累计保费保单年度1年

9、龄 累计保费0 46,400现价年度增现金价值 额/上年末现价11,790身故全残保险金46,400身故全残保险金/累计保费1.091089417,600486,3451.01.016171819201516171819464,000464,000464,000464,000464,000597,825618,745640,395662,710685,8053.5%3.5%3.5%3.5%3.5%4.4%4.5%4.7%4.8%5.0%597,825618,745640,395851,217876,7531.31.31.41.81.9212230315960612021293058596046

10、4,000464,000464,000464,000464,000464,000464,000903,056930,1471,178,2831,213,6312,776,7002,860,0022,945,8021.92.02.52.66.06.26.365707580856469747984464,000464,000464,000464,000464,0003,165,7853,740,7304,417,0955,216,7706,142,1053.4%3.4%3.4%3.4%3.3%22.5%26.4%31.1%36.6%42.1%3,315,5263,843,6034,455,7895

11、,216,7706,142,1057.18.39.611.213.2案例一：中端客户计划书（0岁男性5份10年交，年交46,400元）（2/4）417,600 415,485464,000486,345709,705 3.5%734,430 3.5%965,820 3.5%999,440 3.5%2,587,915 3.4%2,676,535 3.4%2,768,120 3.4%5.2%5.3%7.0%7.2%18.5%19.1%19.7%p 增长快：现价持续增长且增速稳定，资产增值无忧例：第21年:（685,805-662,710)/662,710=3.5%现价年度增额越来越大，充分体现增值

12、效果例：第60年:（2,676,535-2,587,915）/464,000=19.1%例：第21-25年合计5年现金价值累计增长128,090（=813,895-685,805）第61-65年合计5年现金价值累计增长489,250（=3165785-2676535）现价年度增额现价年度增额/上年末现价 /累计保费保单年度1年龄 累计保费0 46,400现金价值11,790身故全残保险金46,400身故全残保险金/累计保费1.09101617181920212230891516171819202129417,600464,000464,000464,000464,000464,000464,0

13、00464,000464,000464,0003.5%3.5%3.5%3.5%3.5%3.5%3.5%3.5%4.4%4.5%4.7%4.8%5.0%5.2%5.3%7.0%417,600486,345597,825618,745640,395851,217876,753903,056930,1471,178,2831.01.01.31.31.41.81.91.92.02.5315960616570758085305859606469747984464,000464,000464,000464,000464,000464,000464,000464,000464,000999,4402,587

14、,9152,676,5352,768,1203,165,7853,740,7304,417,0955,216,7706,142,1053.5%3.4%3.4%3.4%3.4%3.4%3.4%3.4%3.3%1,213,6312,776,7002,860,0022,945,8023,315,5263,843,6034,455,7895,216,7706,142,1052.66.06.26.37.18.39.611.213.2案例一：中端客户计划书（0岁男性5份10年交，年交46,400元）（3/4）p 传承稳：成年后身故杠杆逐步提高，与自身家庭责任相对应，退休后保障杠杆在6至13倍甚至更高，传承

15、安心无忧415,485486,345597,825618,745640,395662,710685,805709,705734,430965,8207.2%18.5%19.1%19.7%22.5%26.4%31.1%36.6%42.1%p 资金活：高中每年领取2万教育金，大学每年领取5万教育金，30岁时领取15万创业/婚嫁金，剩余保单现价高于累计保费60岁至终身每年领取4万养老金，（1,247,320*3.4%=42,409），同时现金价值依然保持增长，传承安心无忧u 客户也可申请保单贷款，提高资金灵活性案例一：中端客户计划书（0岁男性5份10年交，年交46,400元）（4/4）保单年度年龄累

16、计保费领取现价领取后剩余现价领取后身故或全残保险金累计领取现价19101617181920212230315960616570758085089151617181920212930585960646974798446,400417,600464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000464,000-20,00020,00020,00050,00050,00050,00050,000-150,000-40,

17、00040,00040,00040,00040,00040,00011,790415,485486,345577,825578,045578,271548,421517,533485,569452,486595,046465,7601,206,0211,247,3201,250,0011,261,2041,276,2271,293,0001,313,1081,332,36846,400417,600486,345577,825578,045578,271704,419661,630617,857573,068725,945565,5771,293,9991,332,8191,330,2361,

18、320,8581,311,3251,304,3271,313,1081,332,368-20,00040,00060,000110,000160,000210,000260,000260,000410,000410,000410,000450,000610,000810,0001,010,0001,210,0001,410,000奢俭由心的产品设计中端客户需求指定传承资产增值123锁定增额教育储备短期投入案例二：中端客户子女教育（为子女投保）爷爷奶奶提供资金，体现对孙子的关爱保单年度年龄累计保费现金价值现价年度增额 现价年度增/上年末现价 额/累计保费身故全残保险金身故全残保险金/累计保费56

19、710152021253040495060704569141920242939484959691,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5403.5%3.5%3.5%3.5%3.5%3.5%3.5%3.5%3.5%3.4%3.4%3.4%3.4%3.4%3.5%3.8%4.6%5.4%5.6%6.4%7.6%10.7%14.4%14.9%20.7%28.6%1,026,5401,026,540

20、1,052,7841,167,2281,386,2642,104,2072,167,3332,439,3532,827,8793,800,4324,958,7025,107,4636,864,0049,224,6471.01.01.01.11.42.02.12.42.83.74.85.06.79.0809079891,026,540 12,520,2481,026,540 17,269,1763.4%3.2%39.7%51.6%12,520,24817,269,17612.216.8案例二：中端客户计划书（0岁男性12份5年交，年交205,308元）（1/4）982,8001,017,1921

21、,052,7841,167,2281,386,2641,645,9321,703,2921,953,3482,317,9683,262,2604,430,7244,583,4246,423,6848,977,752p 现价高：交费期满现价约等于保费，资金安全无忧保单年度567年龄456现价年度增额 现价年度增/上年末现价 额/累计保费3.5%3.4%3.5%3.5%身故全残保险金1,026,5401,026,5401,052,784身故全残保险金/累计保费1.01.01.01015202125304049506070809091419202429394849596979891,026,540

22、1,167,2281,026,540 1,386,2641,026,540 1,645,9321,026,540 1,703,2921,026,540 1,953,3481,026,540 2,317,9681,026,540 3,262,2601,026,540 4,430,7241,026,540 4,583,4241,026,540 6,423,6841,026,540 8,977,7521,026,540 12,520,2481,026,540 17,269,1761,167,2281,386,2642,104,2072,167,3332,439,3532,827,8793,800,4

23、324,958,7025,107,4636,864,0049,224,64712,520,24817,269,1761.11.42.02.12.42.83.74.85.06.79.012.216.8案例二：中端客户计划书（0岁男性12份5年交，年交205,308元）（2/4）累计保费 现金价值1,026,540 982,8001,026,540 1,017,1921,026,540 1,052,784p 增长快：现价持续增长且增速稳定，资产增值无忧例：第20年:（1703292-1645932）/1645932=3.5%3.5%3.5%3.5%3.5%3.5%3.5%3.5%3.4%3.4%3

24、.4%3.4%3.4%3.2%3.8%4.6%5.4%5.6%6.4%7.6%10.7%14.4%14.9%20.7%28.6%39.7%51.6%现价年度增额越来越大，充分体现增值效果例：第50年:（4,583,424-4,430,724）/1,026,540=14.9%例：第6-10年合计5年现金价值累计增长184,428（=1,167,228-982,800）第71-75年合计5年现金价值累计增长1623276（=10601028-8977752）保单年度56年龄45现价年度增额 现价年度增/上年末现价 额/累计保费3.5%3.4%身故全残保险金1,026,5401,026,540身故全

25、残保险金/累计保费1.01.07101520212530404969141920242939481,026,540 1,052,7841,026,540 1,167,2281,026,540 1,386,2641,026,540 1,645,9321,026,540 1,703,2921,026,540 1,953,3481,026,540 2,317,9681,026,540 3,262,2601,026,540 4,430,7243.5%3.5%3.5%3.5%3.5%3.5%3.5%3.5%3.4%3.5%3.8%4.6%5.4%5.6%6.4%7.6%10.7%14.4%1,052,7

26、841,167,2281,386,2642,104,2072,167,3332,439,3532,827,8793,800,4324,958,7021.01.11.42.02.12.42.83.74.8506070809049596979891,026,540 4,583,4241,026,540 6,423,6841,026,540 8,977,7521,026,540 12,520,2481,026,540 17,269,1765,107,4636,864,0049,224,64712,520,24817,269,1765.06.79.012.216.8案例二：中端客户计划书（0岁男性12

27、份5年交，年交205,308元）（3/4）累计保费 现金价值1,026,540 982,8001,026,540 1,017,192 3.4%3.4%3.4%3.4%3.2%14.9%20.7%28.6%39.7%51.6%p 传承稳：成年后身故杠杆逐步提高，与自身家庭责任相对应，退休后保障杠杆在6至16倍甚至更高，传承安心无忧案例二：中端客户计划书（0岁男性12份5年交，年交205,308元）（4/4）保单年度56710152021253040495060708090年龄4569141920242939484959697989累计保费1,026,5401,026,5401,026,5401,

28、026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,5401,026,540领取后剩余现价982,8001,017,1921,052,7841,167,2281,386,2641,045,9321,051,3821,075,1011,109,6081,198,3961,306,7851,320,8221,488,6471,718,5882,035,0252,447,713领取后身故全残保险金1,026,5401,026,5401,052,78

29、41,167,2281,386,2641,337,1501,337,8191,342,5931,353,7021,396,0941,462,5061,471,8371,590,6881,765,8502,035,0252,447,713累计领取现价-600,000631,000755,000910,0001,220,0001,499,0001,530,0001,840,0002,150,0002,460,0002,770,000领取现价600,000 31,00031,00031,00031,00031,00031,00031,00031,00031,00031,000p 资金活：第20年时可

30、一次性领取60万作为教育备用金，剩余保单现价仍高于累计保费 第21年起至终身可每年领取3.1万（1,045,932*3%=31,288），同时现金价值依然保持增长，传承安心无忧u 客户也可申请保单贷款，提高资金灵活性奢俭由心的产品设计中端客户需求指定传承资产增值123锁定增额养老刚需长期储蓄案例三：中端客户养老规划养老是刚需，但短期大额支付有压力 313,089保单年度 年龄累计保费现金价值现价年度增额/现价年度增额/身故全残 身故全残保险上年末现价 累计保费 保险金 金/累计保费113141520212223242530353940455040525354596061626364697478

31、79848920,370264,810285,180305,550407,400407,400407,400407,400407,400407,400407,400407,400407,400407,400407,400407,4004,059252,021281,829493,296509,151526,557544,539563,112582,297688,047812,454928,290959,5411,129,7431,323,4953.2%3.4%3.4%3.4%3.4%3.4%3.4%3.4%3.4%3.3%3.2%3.9%4.3%4.4%4.6%4.7%5.5%6.5%7.4%

32、7.7%8.8%10.0%300,000427,728456,288488,880651,840651,840558,088574,831592,076609,838706,970819,572928,290959,5411,129,7431,323,49514.71.61.61.61.61.61.41.41.51.51.72.02.32.42.83.2案例三：中端客户计划书（40岁男性3份20年交，年交20,370元）（1/4）p 现价高：第15年时现价超过保费，资金安全无忧313,089保单年度年龄累计保费现金价值现价年度增额/现价年度增额/身故全残 身故全残保险上年末现价 累计保费 保险

33、金 金/累计保费11314152021222324253035394045504052535459606162636469747879848920,370264,810285,180305,550407,400407,400407,400407,400407,400407,400407,400407,400407,400407,400407,400407,4004,059252,021281,829493,296509,151526,557544,539563,112582,297688,047812,454928,290959,5411,129,7431,323,4953.2%3.4%3.4

34、%3.4%3.4%3.4%3.4%3.4%3.4%3.3%3.2%3.9%4.3%4.4%4.6%4.7%5.5%6.5%7.4%7.7%8.8%10.0%300,000427,728456,288488,880651,840651,840558,088574,831592,076609,838706,970819,572928,290959,5411,129,7431,323,49514.71.61.61.61.61.61.41.41.51.51.72.02.32.42.83.2案例三：中端客户计划书（40岁男性3份20年交，年交20,370元）（2/4）p 增长快：现价持续增长且增速稳定，

35、资产增值无忧例：第40年:（959,541-928,290）/928,290=3.4%现价年度增额越来越大，充分体现增值效果例：第40年:（959,541-928,290）/407,400=7.7%第21-25年合计5年现金价值累计增长89,001（=582,297-493,296）第36-40年合计5年现金价值累计增长147,087（=959,541-812,454）14.7保单年度113年龄4052累计保费20,370264,810现金价值4,059252,021现价年度增额/现价年度增额 身故全残 身故全残保险上年末现价 /累计保费 保险金 金/累计保费300,000427,728 1.

36、61415202122232425303553545960616263646974285,180305,550407,400407,400407,400407,400407,400407,400407,400407,400281,829313,089493,296509,151526,557544,539563,112582,297688,047812,4543.2%3.4%3.4%3.4%3.4%3.4%3.4%3.9%4.3%4.4%4.6%4.7%5.5%6.5%456,288488,880651,840651,840558,088574,831592,076609,838706,970

37、819,5721.61.61.61.61.41.41.51.51.72.03940455078798489407,400407,400407,400407,400928,290959,5411,129,7431,323,4953.4%3.4%3.3%3.2%7.4%7.7%8.8%10.0%928,290959,5411,129,7431,323,4952.32.42.83.2案例三：中端客户计划书（40岁男性3份20年交，年交20,370元）（3/4）p 传承稳：投保时身故保障杠杆高达14.7倍，保险期间内至少1.4倍杠杆，退休后杠杆越来越高，后期达到3倍左右传承安心无忧保单年度113141

38、5202122232425303539404550年龄40525354596061626364697478798489累计保费20,370264,810285,180305,550407,400407,400407,400407,400407,400407,400407,400407,400407,400407,400407,400407,400领取后剩余现价4,059252,021281,829313,089493,296409,151411,138413,179415,271417,420429,019442,395454,976458,293475,488493,080领取后身故全残保险

39、金300,000427,728456,288488,880651,840523,815435,758436,163436,631437,162440,817446,271454,976458,293475,488493,080累计领取现价-100,000112,000124,000136,000148,000208,000268,000316,000328,000388,000448,000案例三：中端客户计划书（40岁男性3份20年交，年交20,370元）（4/4）p 资金活：60岁退休时可以一次性领取10万旅游金，剩余保单现价高于累计保费 61岁起至终身可每年领取养老金1.2万（409,1

40、51*3%=12,275），同时现金价值依然保持增长，传承安心无忧u 客户也可申请保单贷款，提高资金灵活性领取现价-100,000 12,00012,00012,00012,00012,00012,00012,00012,00012,00012,000奢俭由心的产品设计中端客户需求指定传承资产增值123锁定增额养老刚需长期储蓄案例四：中端客户养老规划保单年度 年龄累计保费现金价值现价年度增额/现价年度增额/身故全残 身故全残保险上年末现价 累计保费 保险金 金/累计保费19101521222530353940455040484954606164697478798489114,9801,034,

41、8201,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8003.3%3.4%3.4%3.4%3.4%3.4%3.4%3.4%3.3%3.2%3.9%4.9%5.0%5.6%6.5%7.7%8.8%9.1%10.4%11.8%1,000,0001,655,7121,839,6801,839,6801,839,6801,860,2942,032,7942,356,5662,731,9063,094,3003,198,4703,765,8104,411,65

42、08.71.61.61.61.61.61.82.02.42.72.83.33.8案例四：中端客户计划书（40岁男性10份10年交，年交114,980元）（1/4）28,5601,013,3401,185,3601,392,7501,697,1701,755,1901,940,9902,293,4902,708,1803,094,3003,198,4703,765,8104,411,650p 现价高：第10年时现价超过保费，资金安全无忧保单年度1910年龄 累计保费 现金价值40 114,980 28,56048 1,034,820 1,013,34049 1,149,800 1,185,360

43、现价年度增额 现价年度增额 身故全残/上年末现价 /累计保费 保险金 1,000,000 1,655,712 1,839,680身故全残保险金/累计保费8.71.61.615212225303539404550546061646974787984891,149,800 1,392,7501,149,800 1,697,1701,149,800 1,755,1901,149,800 1,940,9901,149,800 2,293,4901,149,800 2,708,1801,149,800 3,094,3001,149,800 3,198,4701,149,800 3,765,8101,14

44、9,800 4,411,6501,839,6801,839,6801,860,2942,032,7942,356,5662,731,9063,094,3003,198,4703,765,8104,411,6501.61.61.61.82.02.42.72.83.33.8案例四：中端客户计划书（40岁男性10份10年交，年交114,980元）（2/4）p 增长快：现价持续增长且增速稳定，资产增值无忧例：第40年（3,198,470-3,094,300）/3,094,300=3.4%3.3%3.4%3.4%3.4%3.4%3.4%3.4%3.4%3.3%3.2%3.9%4.9%5.0%5.6%6.

45、5%7.7%8.8%9.1%10.4%11.8%现价年度增额越来越大，充分体现增值效果例：第40年:（3,198,470-3,094,300）/1,149,800=9.1%例：第11-15年合计5年现金价值累计增长207,390（=1,392,750-1,185,360）第36-40年合计5年现金价值累计增长490,290（=3,198,470-2,708,180）保单年度191015年龄 累计保费 现金价值40 114,980 28,56048 1,034,820 1,013,34049 1,149,800 1,185,36054 1,149,800 1,392,750现价年度增额 现价年度

46、增额/上年末现价 /累计保费 3.3%3.9%身故全残保险金1,000,0001,655,7121,839,6801,839,6802122253035396061646974781,149,800 1,697,1701,149,800 1,755,1901,149,800 1,940,9901,149,800 2,293,4901,149,800 2,708,1801,149,800 3,094,3003.4%3.4%3.4%3.4%3.4%3.4%4.9%5.0%5.6%6.5%7.7%8.8%1,839,6801,860,2942,032,7942,356,5662,731,9063,0

47、94,3001.61.61.82.02.42.74045507984891,149,800 3,198,4701,149,800 3,765,8101,149,800 4,411,6503.4%3.3%3.2%9.1%10.4%11.8%3,198,4703,765,8104,411,6502.83.33.8案例四：中端客户计划书（40岁男性10份10年交，年交114,980元）（3/4）身故全残保险金/累计保费 8.71.61.61.6p 传承稳：投保时身故保障杠杆高达8.7倍，保险期间内至少1.6倍杠杆，退休后杠杆越来越高，后期接近4倍，传承安心无忧案例四：中端客户计划书（40岁男性10份

48、10年交，年交114,980元）（4/4）保单年度191015212225303539404550年龄40484954606164697478798489累计保费114,9801,034,8201,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,8001,149,800领取后剩余现价28,5601,013,3401,185,3601,392,7501,157,1701,162,7301,180,2981,212,7261,250,1161,285,2881,294,5561

49、,342,5761,391,624领取后身故全残保险金1,000,0001,655,7121,839,6801,839,6801,254,3361,232,3561,236,1221,246,0801,261,0681,285,2881,294,5561,342,5761,391,624累计领取现价-540,000574,000676,000846,0001,016,0001,152,0001,186,0001,356,0001,526,000p 资金活：60岁退休时可以一次性领取54万旅游金，剩余保单现价高于累计保费 61岁起至终身可每年领取养老金3.4万（1,157,170*3%=34,7

50、15），同时现金价值依然保持增长，传承安心无忧u 客户也可申请保单贷款，提高资金灵活性领取现价-540,000 34,00034,00034,00034,00034,00034,00034,00034,000奢俭由心的产品设计高端客户需求指定传承资产增值1保值增值23全权掌控短期投入案例五：高端客户储蓄传承在银行有配置资金，满足稳健灵活需求案例五：高端客户计划书（40岁男性50份5年交，年交1,051,650元）（1/3）保单年度年龄累计保费现金价值现价年度增额 现价年度增/上年末现价 额/累计保费身故全残保险金身故全残保险金/累计保费12345671015202529404142434445