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Replace `[["a3f1f9d4-0b6a-46d9-8ac4-f119b50f81a2",{"pageContent":"华贵鑫爱尊享终身寿险（B款）条款··············································华贵人寿保险股份有限公司·\n·\n12C1620241··········································································第1页[共17页]·\n华贵鑫爱尊享终身寿险（B款）条款·\n·\n在本条款中，“您”指投保人，“我们”、“本公司”均指华贵人寿\n保险股份有限公司。·\n第一条·合同构成·\n华贵鑫爱尊享终身寿险（B·款）合同（以下简称本合同）由本保险\n条款、保险单或其他保险凭证、投保单、与本合同有关的投保文\n件、声明、批注、批单以及与本合同有关的其他书面材料共同构\n成。·\n第二条·合同成立与生效·\n您提出保险申请且我们同意承保，本合同成立。本合同成立日期\n在保险单上载明。·\n除另有约定外，自本合同成立且本公司收取首期保险费并签发保\n险单的次日零时起本合同生效。本合同生效日期在保险单上载明。\n保单年度、保单周年日、保险费约定支付日均以生效对应日为基\n础计算。·\n除另有约定外，我们自本合同生效日零时开始承担保险责任。·\n第三条·投保范围·\n本合同接受的被保险人的投保年龄范围为·0·周岁（须出生满·30·日）\n至·70·周岁，且须符合投保当时我们的规定。·\n被保险人本人或对被保险人有保险利益的其他人可作为投保人向\n华贵保险[2024]终身寿险014号·\n请扫描以查询验证条款·\n\n华贵鑫爱尊享终身寿险（B款）条款··············································华贵人寿保险股份有限公司·\n·\n12C1620241··········································································第2页[共17页]·\n本公司投保本保险。·\n第四条·犹豫期·\n自您签收本合同之日起，有·20·日的犹豫期。在此期间请您认真审\n视本合同，如果您认为本合同与您的需求不相符，您可以在此期\n间提出解除本合同，我们将（扣除不超过·10·元的工本费后）退还\n您所支付的全部保险费。·\n解除本合同时，您需要填写解除合同通知书，并提供您的保险合\n同及有效身份证件。自我们收到您解除合同的通知书时，本合同\n即被解除，合同解除前发生的保险事故我们不承担保险责任。·\n第五条·保险期间·\n本合同的保险期间为被保险人终身，自本合同生效日的零时起至\n被保险人身故时止，保险期间在保险单上载明。·\n第六条·保险金额·\n1.基本保险金额·\n本合同基本保险金额由您和我们在投保时约定，但须符合我们当\n时的投保规定，约定的基本保险金额将在保险单上载明。·\n2.年度有效保额·\n首个保单年度的年度有效保额为基本保险金额；后续各保单年度\n的年度有效保额为上一保单年度的年度有效保额的·1.025·倍。·\n若后续基本保险金额发生调整的，则我们将按调整后的基本保险\n金额承担相应的保险责任，同时年度有效保额同比例调整。·\n本合同保险金额按本条款第八条规定进行计算确定。·\n第七条·未成年人身故保险金限制·\n\n华贵鑫爱尊享终身寿险（B款）条款··············································华贵人寿保险股份有限公司·\n·\n12C1620241··········································································第3页[共17页]·\n为未成年人投保的人身保险，在被保险人成年之前，因被保险人\n身故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\n限额，身故给付的保险金额总和约定也不得超过前述限额。·\n第八条·保险责任·\n在本合同保险期间内，我们承担以下保险责任：·\n1.身故或全残保险金·\n若被保险人在·18·周岁保单生效对应日（不含）之前身故或全残，\n本公司按以下两项中的金额较大者给付身故或全残保险金，本合\n同终止：·\n（1）本合同实际交纳的保险费；·\n（2）被保险人身故或全残当时本合同的现金价值。·\n若被保险人在·18·周岁保单生效对应日（含）之后，且在交费期满\n后的首个保单生效对应日（不含）之前身故或全残，本公司按以\n下两项中的金额较大者给付身故或全残保险金，本合同终止：·\n（1）本合同实际交纳的保险费×年龄系数；·\n（2）被保险人身故或全残当时本合同的现金价值。·\n若被保险人在·18·周岁保单生效对应日（含）之后，且在交费期满\n后的首个保单生效对应日（含）之后身故或全残，本公司按以下\n三项中的金额较大者给付身故或全残保险金，本合同终止：·\n（1）本合同实际交纳的保险费×年龄系数；·\n（2）被保险人身故或全残当时本合同的年度有效保额；·\n（3）被保险人身故或全残当时本合同的现金价值。·\n年龄系数按照以下方式确定：·\n被保险人身故或全残时的到达年龄·年龄系数·\n18·周岁至·40·周岁·160%·\n\n华贵鑫爱尊享终身寿险（B款）条款··············································华贵人寿保险股份有限公司·\n·\n12C1620241··········································································第4页[共17页]·\n41·周岁至·60·周岁·140%·\n61·周岁及以上·120%·\n2.航空意外伤害身故或全残保险金·\n被保险人以乘客身份乘坐合法商业运营民航班机期间，在民航班\n机内遭受意外伤害，并且自意外伤害发生之日起·180·日内（含）\n因该意外伤害导致身故或全残的，除按本合同第八条第·1·项的约\n定给付身故或全残保险金外，本公司还将按被保险人身故或全残\n当时本合同的基本保险金额额外给付航空意外伤害身故或全残保\n险金，本合同终止。·\n第九条·责任免除·\n因下列情形之一导致被保险人身故或全残的，我们不承担给付身\n故或全残保险金和航空意外伤害身故或全残保险金的责任：··\n1.投保人对被保险人的故意杀害、故意伤害；··\n2.被保险人故意犯罪或者抗拒依法采取的刑事强制措施；··\n3.被保险人故意自伤，或自本合同成立或者本合同效力恢复之日\n起·2·年内自杀，但被保险人自杀时为无民事行为能力人的除外;·\n4.战争、军事冲突、暴乱或武装叛乱；·\n5.核爆炸、核辐射或核污染。·\n发生上述第·1·项情形导致被保险人身故的，本合同终止，我们向\n被保险人的继承人（除投保人本人外）退还本合同的现金价值。··\n发生上述第·1·项情形导致被保险人全残的，本合同终止，我们向\n被保险人退还本合同的现金价值。·\n发生上述其他情形导致被保险人身故或全残的，本合同终止，我\n们向您退还本合同的现金价值。·\n第十条·其他免责条款·\n\n华贵鑫爱尊享终身寿险（B款）条款··············································华贵人寿保险股份有限公司·\n·\n12C1620241··········································································第5页[共17页]·\n除本条款“第九条·责任免除”外，本合同中还有一些免除我们责\n任的条款，详见以下条款中加粗显示的内容：“第四条·犹豫期”、\n“第十二条·保险事故通知”、“第二十二条·效力中止与恢复”、\n“第二十五条·明确说明与如实告知”、“第二十六条·年龄错误\n的处理”、“第二十七条·本公司合同解除权的限制”。·\n第十一条·受益人·\n1.身故保险金受益人·\n您或者被保险人可以指定一人或多人为身故保险金受益人。·\n身故保险金受益人为多人时，可以确定受益顺序和受益份额；如\n果没有确定份额，各受益人按照相等份额享有受益权。·\n被保险人为无民事行为能力人或限制民事行为能力人的，可以由\n其监护人指定受益人。·\n您或者被保险人可以变更身故保险金受益人并书面通知我们。我\n们收到变更受益人的书面通知后，在保险单或其他保险凭证上批\n注或附贴批单。·\n您在指定和变更身故保险金受益人时，必须经过被保险人同意。·\n2.全残保险金受益人·\n除另有指定外，全残保险金的受益人为被保险人本人。·\n受益人故意造成被保险人身故、伤残、疾病的，或者故意杀害被\n保险人未遂的，该受益人丧失受益权。·\n被保险人身故后，有下列情形之一的，保险金作为被保险人的遗\n产，由我们依照关于继承的法律法规履行给付保险金的义务：·\n（1）没有指定受益人，或者受益人指定不明无法确定的；·\n（2）受益人先于被保险人身故，没有其他受益人的；·\n（3）受益人依法丧失受益权或者放弃受益权，没有其他受益人的。·\n受益人与被保险人在同一事件中身故，且不能确定身故先后顺序\n\n华贵鑫爱尊享终身寿险（B款）条款··············································华贵人寿保险股份有限公司·\n·\n12C1620241··········································································第6页[共17页]·\n的，推定

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