291 lines
9.6 KiB
JSON
291 lines
9.6 KiB
JSON
{
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"product_id": "aia-caifuyinghuo",
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"product_name": "「财富盈活」储蓄保险计划",
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"product_code": "CFYH",
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"company": "aia",
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"plan_type": "savings",
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"currency": "USD",
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"extracted_at": "2026-07-07T00:00:00Z",
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"samples": [
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{
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"source_pdf": "友邦——财富盈活储蓄保险计划.pdf",
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"insured_age": 1,
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"insured_gender": "男",
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"annual_premium": 100000.08,
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"sum_insured": 100000.0,
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"payment_years": 5,
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"coverage_period": "终身",
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"benefit_illustration_rows": 18,
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"data": {
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"summary": {
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"insured_name": "性别：男",
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"insured_age": 1,
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"insured_gender": "男",
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"smoker": null,
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"product_name": "「财富盈活」储蓄保险计划",
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"product_code": "CFYH",
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"currency": "USD",
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"annual_premium": 100000.08,
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"annual_premium_with_levy": 100012.93,
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"payment_years": 5,
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"coverage_period": "终身",
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"premium_total": 500000.4,
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"sum_insured": 100000.0,
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"basic_amount": null,
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"coverage_items": [
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{
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"name": "首12个月意外身故赔偿",
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"amount": 400000.0,
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"period": null
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},
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{
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"name": "保单货币",
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"amount": 100000.0,
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"period": "终身"
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},
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{
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"name": "投保时保额",
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"amount": 100000.0,
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"period": "终身"
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}
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],
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"key_clauses": [
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"保证现金价值",
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"复归红利",
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"终期分红",
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"身故赔偿",
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"退保发还金额",
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"保费征费"
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]
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},
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"benefit_illustration": [
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{
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"policy_year": 1,
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"total_premium_paid": 100000.0,
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"guaranteed_cash_value": 103.0,
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"reversionary_bonus": 0.0,
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"total_surrender_value": 103.0,
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"guaranteed_death_benefit": 100000.0,
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"non_guaranteed_death_benefit": 0.0,
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"death_benefit": 100000.0,
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"source_page": 1
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},
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{
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"policy_year": 2,
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"total_premium_paid": 200000.0,
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"guaranteed_cash_value": 103.0,
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"reversionary_bonus": 0.0,
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"total_surrender_value": 103.0,
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"guaranteed_death_benefit": 200000.0,
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"non_guaranteed_death_benefit": 0.0,
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"death_benefit": 200000.0,
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"source_page": 1
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},
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{
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"policy_year": 3,
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"total_premium_paid": 300000.0,
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"guaranteed_cash_value": 26722.0,
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"reversionary_bonus": 24294.0,
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"total_surrender_value": 51015.0,
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"guaranteed_death_benefit": 300000.0,
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"non_guaranteed_death_benefit": 24294.0,
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"death_benefit": 300000.0,
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"source_page": 1
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},
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{
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"policy_year": 4,
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"total_premium_paid": 400000.0,
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"guaranteed_cash_value": 75026.0,
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"reversionary_bonus": 52043.0,
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"total_surrender_value": 127069.0,
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"guaranteed_death_benefit": 400000.0,
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"non_guaranteed_death_benefit": 52043.0,
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"death_benefit": 400000.0,
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"source_page": 1
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},
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{
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"policy_year": 5,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 141830.0,
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"reversionary_bonus": 94028.0,
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"total_surrender_value": 235858.0,
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"guaranteed_death_benefit": 500000.0,
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"non_guaranteed_death_benefit": 94028.0,
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"death_benefit": 500000.0,
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"source_page": 1
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},
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{
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"policy_year": 10,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 315519.0,
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"reversionary_bonus": 346176.0,
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"total_surrender_value": 661695.0,
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"guaranteed_death_benefit": 500000.0,
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"non_guaranteed_death_benefit": 346176.0,
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"death_benefit": 661695.0,
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"source_page": 1
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},
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{
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"policy_year": 15,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 365879.0,
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"reversionary_bonus": 567701.0,
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"total_surrender_value": 933580.0,
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"guaranteed_death_benefit": 500000.0,
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"non_guaranteed_death_benefit": 567701.0,
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"death_benefit": 933580.0,
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"source_page": 1
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},
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{
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"policy_year": 20,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 507709.0,
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"reversionary_bonus": 883665.0,
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"total_surrender_value": 1391374.0,
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"guaranteed_death_benefit": 507709.0,
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"non_guaranteed_death_benefit": 883665.0,
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"death_benefit": 1391374.0,
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"source_page": 1
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},
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{
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"policy_year": 25,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 512847.0,
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"reversionary_bonus": 1550416.0,
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"total_surrender_value": 2063264.0,
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"guaranteed_death_benefit": 512847.0,
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"non_guaranteed_death_benefit": 1550416.0,
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"death_benefit": 2063264.0,
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"source_page": 1
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},
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{
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"policy_year": 30,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 517986.0,
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"reversionary_bonus": 2409400.0,
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"total_surrender_value": 2927387.0,
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"guaranteed_death_benefit": 517986.0,
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"non_guaranteed_death_benefit": 2409400.0,
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"death_benefit": 2927387.0,
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"source_page": 1
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},
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{
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"policy_year": 65,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 584790.0,
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"reversionary_bonus": 24324818.0,
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"total_surrender_value": 24909607.0,
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"guaranteed_death_benefit": 584790.0,
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"non_guaranteed_death_benefit": 24324818.0,
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"death_benefit": 24909607.0,
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"source_page": 1
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},
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{
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"policy_year": 70,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 595684.0,
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"reversionary_bonus": 33532637.0,
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"total_surrender_value": 34128321.0,
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"guaranteed_death_benefit": 595684.0,
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"non_guaranteed_death_benefit": 33532637.0,
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"source_page": 1
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},
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{
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"policy_year": 75,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 608428.0,
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"source_page": 1
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},
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{
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"policy_year": 80,
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"reversionary_bonus": 63442790.0,
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"total_surrender_value": 64063551.0,
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"guaranteed_death_benefit": 620761.0,
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"source_page": 1
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},
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{
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"policy_year": 85,
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"total_surrender_value": 87772617.0,
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"guaranteed_death_benefit": 635150.0,
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"non_guaranteed_death_benefit": 87137468.0,
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},
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{
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"policy_year": 90,
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},
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{
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"policy_year": 95,
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},
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{
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"policy_year": 100,
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"total_premium_paid": 500000.0,
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"guaranteed_cash_value": 680371.0,
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"reversionary_bonus": 225056844.0,
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"total_surrender_value": 225737215.0,
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"guaranteed_death_benefit": 680371.0,
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}
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]
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}
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}
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],
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"canonical_sample": "友邦——财富盈活储蓄保险计划.pdf",
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"coverage_items": [
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{
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"name": "首12个月意外身故赔偿",
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"amount": 400000.0,
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"period": null
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},
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{
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"name": "保单货币",
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"amount": 100000.0,
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"period": "终身"
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},
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{
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"name": "投保时保额",
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"amount": 100000.0,
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"period": "终身"
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}
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],
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"key_clauses": [
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"保证现金价值",
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"复归红利",
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"终期分红",
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"身故赔偿",
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"退保发还金额",
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"保费征费"
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],
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"fitz_version": "pymupdf-1.24"
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} |