BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC · 2017. 5. 2. · BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC 3rd Floor, Willow House, 171 Elgin Avenue P.O. BOX 10233 George

Form 342 (BMII) Ed. 3/17

INDIVIDUAL LIFE INSURANCE POLICY

Issued by

個人人壽保險簽發公司為

BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC

3rd Floor, Willow House, 171 Elgin Avenue P.O. BOX 10233

George Town, Grand Cayman, Cayman Islands, KY1-1002

A Stock Company In this policy “you” and “your” refer to the owner of the policy. “We, “us”, “our” and “Company” refer to Best Meridian International Insurance Company SPC. If the insured dies while this policy is in force we will pay the death benefit to the beneficiary, subject to the provisions of the policy. The insured is named on the policy data page. READ YOUR POLICY CAREFULLY. It is a legal contract between you and us. With regard to any questions of policy contract language and interpretation, the English version shall take precedence and be controlling. Ten day right to examine policy If you are not fully satisfied with this policy, you may return it within 10 days following the date on which you received it. Mail or deliver the policy to our Administrative Office. This policy will be cancelled and we will return any premiums paid.

INDEXED FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE POLICY

Insurance payable at insured’s death while policy is in force. Flexible premiums payable during the life of the insured through age 120.

ADJUSTABLE DEATH BENEFIT NON-PARTICIPATING

NO DIVIDENDS

股份公司

在本保單中，“您”或“您的”指的是保單所有人。“我們”、“我們” (賓格), “我們的” 和“公司 ” 指的是 Best Meridian International Insurance Company SPC.。

根據本保險條款，若被保險人在保險期內身故，我們將向保險受益人支付死亡理賠。受保人姓名在保單資料部分注明。

請仔細閱讀您的保單。本保單是您和本公司之間的法律合同。有關涉及保單合同措詞和解釋的任何問題，當英文版本與中文版本同時出現時, 應以英文版本爲准。

10 天內检查保單的權利如果您對本保單有不滿之處，可在收到保單後 10 天內將其寄回或送回本公司行政辦公室。本保單將被取消，我們將退還您已支付的任何保險費。

靈活的、浮動保費的人壽指數保險計劃

只要保單有效，本公司將在被保險人死亡時支付死亡理賠。受保人在世期間年滿 120 歲前，可以靈活支付保費。

可調整的死亡理賠不參預管理

不分配紅利


SECTION PAGE Accelerated benefit rider......................................... 30 Data page ................................................................. 3 Deposit and annuity options ................................... 26 General provisions .................................................... 6 Insurance coverage provisions ............................... 11 Ownership, assignment and beneficiary ................ 10 Policy loans ............................................................ 23 Policy values ........................................................... 15 Premium provisions ................................................ 13 OPTIONAL RIDERS (if any) ................. after page 31 IMPORTANT TERMS Accumulated value ................................................. 15 Age ........................................................................... 6 Annual report ............................................................ 9 Assignment ............................................................. 10 Beneficiary .............................................................. 10 Cash value .............................................................. 16 Change of beneficiary............................................. 11 Change of death benefit option .............................. 11 Changes in insurance coverage ............................. 12 Continuation of insurance ....................................... 23 Contract .................................................................... 6 Cost of insurance .................................................... 17 Cost of insurance rate ............................................ 17 Debt ........................................................................ 24 Expense charge ...................................................... 16 Face amount ............................................................. 3 Filing a claim ............................................................. 8 Grace period ........................................................... 13 Incentives ............................................................... 15 Incontestability .......................................................... 7 Insured ...................................................................... 3 Interest rate and interest credited ........................... 18 Irrevocable beneficiary ........................................... 11 Issue date ............................................................. 3, 6 Jurisdiction and legal matters ................................... 9 Loans ...................................................................... 23 Minimum annual premium ...................................... 13 Misstatement of age or sex ...................................... 6 Misstatement of smoker status ................................. 6 Monthly charge ....................................................... 17 Non-participating ...................................................... 8 Notices & reports ...................................................... 9 Other exclusions ....................................................... 7 Owner ..................................................................... 10 Partial surrender ..................................................... 22 Policy anniversary .................................................... 6 Proceeds .................................................................. 8 Proof of death ........................................................... 8 Reinstatement ........................................................ 14 Suicide exclusion ...................................................... 6 Surrender ................................................................ 23 Termination of coverage ........................................... 7

部分頁數

加速理賠附加條款 ................................. 30

個人資料頁 ....................................... 3

儲蓄和年金選項 .................................. 26

一般條款 ......................................... 6

保險範圍條款 .................................... 11

所有權、轉讓和受益人 ............................ 10

保單貸款 ........................................ 23

保單價 .......................................... 15

保險費條款 ...................................... 13

可選擇附加條款(如果有的話) ............. 31 頁之後

重要術語

累計價值 ........................................ 15

年齡 ............................................. 6

年度報告 ......................................... 9

轉讓 ............................................ 10

受益 ............................................ 10

現金值 .......................................... 16

更改受益人 ...................................... 11

更改死亡理賠選項 ................................ 11

更改保險範圍 .................................... 12

保險延續 ........................................ 23

合同 ............................................. 6

保險成本 ........................................ 17

保險費率成本 .................................... 17

欠賬 ............................................ 24

開銷收費 ........................................ 16

面額 ............................................. 3

申請理賠 ......................................... 8

寬限期 .......................................... 13

奖励 ............................................ 15

無異議條款 ....................................... 7

受保人 .......................................... 3

利率率&利率贷记 ................................. 18

不可撤銷的受益人 ................................ 11

簽發日期 ...................................... 3,6

權限及法律問題 ................................... 9

貸款 ............................................ 23

低年保費 ...................................... 13

年齡或性別不實告知 ............................... 6

吸煙狀況不實告知 ................................. 6

月費 ............................................ 17

不參預管理 ....................................... 8

通知與報告 ....................................... 9

其他免除條款 ..................................... 7

所有人 .......................................... 10

部分提款 ........................................ 22

保單周年 ......................................... 6

理賠 ............................................. 8

死亡證明 ......................................... 8

恢復保單 ........................................ 14

自殺免責條款 ..................................... 6

退保 ............................................ 23

終止保險 ......................................... 7


CORRIDOR PERCENTAGE TABLE

最低下限比例表

The corridor percentage is based on the insured’s age at the insured’s last birthday 本比例以被保險人上次生日時的實足年齡爲基礎

ATTAINED AGE CORRIDOR PERCENTAGE ATTAINED AGE CORRIDOR PERCENTAGE ATTAINED AGE CORRIDOR PERCENTAGE實足年齡比例實足年齡比例實足年齡比例

1 250 34 250 67 1182 250 35 250 68 1173 250 36 250 69 1164 250 37 250 70 1155 250 38 250 71 1136 250 39 250 72 1117 250 40 250 73 1098 250 41 243 74 1079 250 42 236 75 105

10 250 43 229 76 10511 250 44 222 77 10512 250 45 215 78 10513 250 46 209 79 10514 250 47 203 80 10515 250 48 197 81 10516 250 49 191 82 10517 250 50 185 83 10518 250 51 178 84 10519 250 52 171 85 10520 250 53 164 86 10521 250 54 157 87 10522 250 55 150 88 10523 250 56 146 89 10524 250 57 142 90 10525 250 58 138 91 10426 250 59 134 92 10327 250 60 130 93 10228 250 61 128 94 10129 250 62 126 95 and above 10030 250 63 124 95 及 95 周歲以上者 31 250 64 122 32 250 65 120 33 250 66 119

Page 4 /第 4 頁


Page 5 /第 5 頁


GENERAL PROVISIONS The contract The policy and any attached applications, riders, amendments or endorsements make up the whole contract. We issue the policy in return for the original application and the payment of the first premium. This policy has been issued on the basis that the answers to all questions and all information shown in any applications and/or medical examinations are correct and complete. Only an authorized officer of the Company can change or waive any of the terms of this contract. No such change or waiver will be valid unless we make it in writing. Issue date The issue date is the effective date for all coverage provided in the policy. It is the date from which we measure policy months and policy years. A policy anniversary occurs each year at the same month and day as the issue date. A policy month begins in each calendar month on the day in that month which is the same as the day of the issue date. If the day of the issue date is the 29th, 30th, or 31st, in any month which does not have that day the policy month will begin on the last day of that month. Age In this policy, age means the age of the insured on his/her last birthday. Misstatement of age or sex If the insured’s age or sex is misstated in the application, we will adjust and pay the proceeds based on the insured’s correct age and/or sex. This amount will be the death benefit which would have been purchased by using the correct cost of insurance.

Misstatement of smoker status If the smoking status of the insured is misstated in the application, we will adjust and pay the proceeds based on the correct smoking status of the insured. This amount will be the death benefit which would have been purchased by using the correct cost of insurance. Suicide exclusion If the insured commits suicide, while sane or insane within two years of the date of issue, we will make a limited payment to the beneficiary. We will pay in one sum the amount of all premiums paid to us less the following:

1. any debt outstanding; 2. any partial surrenders, and 3. the cost of any riders.

Page 6

一般條款

合同本合同全文由保單和所附的申請表、附加條款、修正

件或批註構成。我們根據申請表正本和支付的頭期保

險費簽發保單。本保單是根據受保人在申請表中和醫

療檢查表格中所作的所有問答以及所有陳述都是正確

的和完整的為依據而簽發。

只有本公司的授權官員才有權更改或放棄本合同的條

款。更改或棄權必須採取書面方式方可生效。

簽發日期

簽發日期爲保單所提供的所有保險內容的生效日期。

我們將根據簽發日期計算保單有效的保險月份和保險

年份。保單周年日爲簽發日期日。一個保險月份的開

始日期為按每個日曆月份中與保單簽發日相同的日

期。若保單簽發日為 29,30 或 31 日，而任何一個月

若沒有以上日期，則保險月從該月的後一天算起。

年齡

在本保單中，年齡指的是受保人近一次生日時的年

齡。

年齡或性別不實告知

若申請表中受保人年齡或性別有不實告知，我們將做

出調整並根據受保人的真實年齡和/或性別予以理

賠。此金額將作為死亡理賠的金額,相當於按正確保

險成本購買保險的金額。吸煙狀況不實告知

若申請表中受保人的吸煙史有不實告知，我們將作出

調整並據被保險人真實的吸煙狀況予以理賠。此金額

將作為死亡理賠的金額,相當於按正確保險成本購買

保險的金額。

自殺免除條款

如果受保人在簽發日期後兩年內，在精神正常或不正

常的情況下自殺，我們將支付給受益人有限的賠償。

我們在扣除以下各項後將一次性支付我們收到的全部

保費：

1. 未償還的債務；

2. 部分提款；及

3. 附加條款的費用。

第 6 頁


GENERAL PROVISIONS (Cont’d) If the insured commits suicide, while sane or insane, within two years of the effective date of a reinstatement or increase in face amount, we will make a limited payment to the beneficiary. This payment will equal the cost of the reinstated benefits or of the increase in face amount. With respect to increases, this two-year period will apply only to any increase you have requested.

Other exclusions The benefits payable under this policy shall be limited to the premium paid hereon when death of the insured occurs while this policy is in force and directly results from:

• any activity that is illegal or criminal in nature. This exclusion does not apply to insureds who have no direct connection to or association with an illegal or criminal activity or persons directly engaged in such activity.

• service in the Armed Forces or Police Forces of any country.

Incontestability The insurance provided by this policy will not be contestable as follows:

1. with respect to the initial face amount, after two years from the date of issue of this policy;

2. with respect to each increase in face amount, after two years from the effective date of that increase; and

3. with respect to any face amount reinstated, after two years from the effective date of reinstatement.

If we contest any increase in death benefit or a reinstatement, it will be based only on the application for the increase or reinstatement. We can contest the validity of any rider included in the policy according to its terms.

Termination of coverage All coverage provided by this policy will end on the earliest of the following:

1. the date the policy is surrendered; 2. the date of death of the insured; 3. lapse at the end of the grace period, if the

amount needed to keep the policy in force is not paid to us.

Page 7

一般條款 (繼續)

如果受保人在簽發日期後兩年內，或增加面額或恢復

保單兩年內，在精神正常或不正常的情況下自殺，我

們將支付給受益人有限的賠償。這個支付款項相同於

恢復的受益金額,或者增加的面額。對於增加之面額部

分，此兩年之期限僅限於您曾經要求過的任何增加之

數額。

其他免除條款

根據本保單之規定，在本保單有效期內，若受保人直

接因下列原因身故，理賠數額的支付僅限於受保人此

前所支付的保費數額：

• 何非法或犯罪行爲。但若被保險人與違法或犯罪行爲或人士無直接

關係或交往，則本免責條款不適用。

• 在任何國家的軍隊或警力部隊服役。

無異議條款

在下列情況下，不得對本保單提供的保險提出爭議﹕

1. 保單生效兩年後，不得對保單的起始面額

提出爭議；

2. 保單面額增加後兩年後，不得對增加的面

額提出爭議,并且

3. 保單恢復生效兩年後，不得對恢復的保單

面額提出爭議。

如果我們對增加的死亡理賠或恢復的保單提出爭議，

必須以增加面額或恢復保單的申請爲依據。

我們可根據附加條款的內容對保單附加條款的效力提

出爭議。

終止保單

本保單提供的所有保險在下列幾個日期中早的日期

終止：

1. 退保日期；

2. 受保人死亡的日期； 3. 在寬限期到期時，如果仍未向本公司支付保

持保單效力的金額。

第 7 頁


GENERAL PROVISIONS (Cont’d)

Proceeds Proceeds means the amount we will pay:

1. after the death of the insured; or 2. if the policy is surrendered.

The proceeds we will pay after the death of the insured will be (a) plus (b) minus (c) minus (d) where:

(a) is the death benefit; (b) is any additional benefit payable under the

terms of any riders in force; (c) is any outstanding debt; and (d) is any monthly charge prior to the date of

death which has not been deducted. If you surrender this policy, we will pay you the net cash value. We will pay the proceeds in one sum. Any proceeds we pay are subject to adjustments provided in the misstatement of age or sex, misstatement of smoker status, suicide exclusion, and other exclusion provisions of this policy.

Non-participating Your policy is non-participating. It will not share in our profits or surplus earnings. Procedure for filing a claim The beneficiary or the legal representative of the insured’s estate must notify us in writing to make a claim for proceeds payable at the death of the insured. We should receive the notice at our Administrative Office as soon after death as possible. When we receive notice, we will send the forms for filing proof of loss for completion. Proof of claim shall include:

1. evidence of the death of the insured and the cause of death;

2. evidence of the right of the claimant to be paid;

3. proof of age of the insured; 4. return of the original policy; and 5. any other information which we may

reasonably require to establish the validity of the claim.

Proof of claim should be submitted to our Administrative Office within 90 days following the death of the insured.

Page 8

一般條款 (繼續)

理賠金

理賠金指我們將支付的下列金額﹕

1. 在被保險人身故後支付的金額；或

2. 保單被退保時支付的金額。

我們在被保險人身故後將支付的金額爲 (a) 加 (b)

減(c) 減 (d),其中﹕

(a) 是身故理賠；

(b) 是根據有效的附加條款應付的額外理賠金；

(c) 是未償還的債務；

(d)是身故日期前應扣除但未扣除的月費。

如果您退保，我們將支付您淨現金值。

我們將一次性支付理賠。如果存在申請表中年齡或性

別與實際情況不符、吸煙情況與實際情況不符、自殺

免除條款和不可爭議或其他免責條款，賠償金額將視

具體情況具體調整。

不參預管理

您的保單不包含您參加管理的權力。此保單不具分紅

性質。

申請理賠程序

受益人或受保人的法定代表必須在被保險人死亡時以

書面方式申請死亡理賠。通知必須在死亡發生後儘快

寄到我們的行政辦公室。收到通知後，我們將寄出表

格以便您提供身故證明。

理賠證明應當包括：

1. 受保人身故的證據及身故原因；

2. 理賠申請人有權獲取理賠的證據；

3. 受保人的年齡證明；

4. 退還保單正本，以及

5. 我們可能合理地需要的任何其他證明索賠的

有關資料。理賠證明應在受保人身故 90 天內送達我們的行政辦

公室。

第 8 頁


GENERAL PROVISIONS (Cont’d) Jurisdiction and legal matters The governing law of any matters arising out of this policy and any matter related to the application, representations made, and/or denial of claims shall be the law of the Cayman Islands. Exclusive jurisdiction and venue for any proceeding or action relating to this policy and all matters related thereto shall lie with the courts located in Miami-Dade County, State of Florida, United States of America, to the exclusion of any other jurisdiction.

Waiver of Jury Trial We, you, and any insured covered by this policy hereby expressly agree to trial by judge and specifically waive trial by jury in any legal action arising directly or indirectly from this policy.

Annual report We will send you a report once each year. It will include the following:

1. the current report period; 2. the accumulated value at the end of the

previous report period and at the end of the current period;

3. the death benefit at the end of the current report period;

4. the cash value at the end of the current period;

5. the amount of outstanding loans, if any, at the end of the current period;

6. premiums paid since the last report; 7. index rate, participation factor and interest

rate for the current period; 8. interest credited since the last report; 9. partial surrenders made since the last report;

and 10. charges deducted since the last report.

Projection of benefits and values We will provide you with a projection of future death benefits and values at any time upon written request by you. We will charge you a fee for this service as determined by us.

Notices and reports All notices and reports we send will be deemed delivered to the persons entitled to receive them when we mail them to their last known address as contained in our records. Administrative Office Our Administrative Office is at 8950 S.W. 74 Court, Miami, Florida 33156.

Page 9

一般條款 (繼續) 權限及法律問題

由本合同引起或與保單申請、聲明與/或拒絕賠付有關

的任何問題均以開曼群島的法律為管轄法律。由此合

同和所有與此相關事宜的獨家司法裁判權和途徑由佛

羅裏達州位於邁阿密戴德郡的法庭裁決,進而排除其他

任何司法裁決。

放棄陪審團判決

本公司、您以及此保單的保險人特此明確同意由法官

審判且特別放棄陪審團判決由本保單直接或間接引起

的任何法律行動。

年度報告保單有效期內我們將向您提供年度報告。年度報告包括:

1. 當前報告的期限； 2. 前一個報告期限結束時的累計價值和本次

報告期限結束時的累計金額； 3. 本次報告期限結束時的當前死亡理賠受益

； 4. 本次報告期限結束時的現金值； 5. 本次報告期限結束時所欠貸款金額(若有)

； 6. 自上次報告開始所支付的保費； 7. 此次報告期限內的指數率,參與因素和利率

率; 8. 自上次報告期限內積累的利息； 9. 自上次報告期限內提取部分現金； 10. 自上次報告期限內收費減除。

受益和價值預測

根據您的書面要求，我們可以為您在任何時間提供對

未來死亡理賠和價值提供預測報告。我們根據我們的

決定向您收取這個服務的費用。

通知和報告我們發出的所有通知或提供的所有報告在寄往本公司記錄記載的新位址時視爲已遞交收件人。

本公司行政辦公室

本公司行政辦公室位于 8950 S.W. 74 Court, Miami, Florida 33156.

第 9 頁


OWNERSHIP, ASSIGNMENT AND BENEFICIARY Owner The owner is named in the application. While the insured is alive, the owner, may:

1. take out a loan; 2. assign the policy; 3. surrender the policy; 4. make a partial surrender; 5. exercise all other rights granted by the

policy.

All rights of the owner are subject to the consent of any assignee of record and any beneficiary named irrevocably.

Transfer of ownership The owner may transfer ownership of the policy to another who will have, on the effective date of transfer, all rights of the owner. The transfer must be made by written notice. Once received by us, the transfer will be effective on the date the owner signed the notice. Any payment made or action taken by us before we receive such notice will not be affected.

Contingent owner If the insured is not the owner, the owner may name a contingent owner who will become owner if the original owner dies while this policy is in force. If a contingent owner is not named, the owner’s estate will own the policy. Any transfer of ownership will revoke any named contingent owner.

Assignment No assignment will be binding on us unless it is in writing and recorded by us at our Administrative Office. Any payment we made before recording an assignment will not be affected. We are not responsible for the validity of any assignment. The rights of the owner and any beneficiary may be affected by an assignment.

Beneficiary The beneficiary will receive the proceeds of this policy payable because of the death of the insured. Unless a new beneficiary is named, the beneficiary named on the application will receive the proceeds. If no beneficiary is named, or if those named die before the insured dies, proceeds will be paid to the owner or the owner’s legal successor.

Page 10

所有權、轉讓和受益人

所有人投保人的姓名在保單的資料表中注明。受保人在世期間，所有人可以:

1. 提取貸款； 2. 轉讓保單； 3. 退保； 4. 部分提款; 5. 行使保單授予的所有其他權利。

所有人的全部權利都需得到記錄記載的被轉讓人和不可撤銷的受益人的同意。

轉讓所有權所有人可將保單的所有權轉讓給其他人，被轉讓人在轉讓生效後將擁有所有人的所有權利。轉讓必須採取書面方式。在本公司收到轉讓通知後，轉讓將在所有人簽署通知之日生效。本公司在收到轉讓通知前支付的款項或採取的行動不受轉讓的影響。候補所有人如果受保人不是保單所有人，所有人可指定一名候補所有人。如果原始所有人在保單有效期內死亡，候補所有人將成爲保單所有人。如果未指定候補所有人，保單將歸入所有人的遺産。轉換保單所有權時，候補所有人將被取消。轉讓轉讓必須採取書面方式，並在本公司的行政辦公室登記，否則本公司不受轉讓的約束。本公司在轉讓登記之前支付的款項不受影響。本公司不對轉讓的效力承擔任何責任。轉讓可能影響所有人和受益人的權利。受益人如果受保人死亡，受益人將得到本保險計劃所支付的死亡理賠。除非指定新的受益人，否則保險申請所指定的受益人將得到死亡理賠。

如果未指定受益人，或被指定的受益人在受保人之前死亡，死亡理賠將付給所有人或所有人的法定繼承人。

第 10 頁


OWNERSHIP, ASSIGNMENT AND BENEFICIARY (Cont’d)

We reserve the right to verify identity, age, sex or any other factor of any beneficiary. Unless directed otherwise, if two or more persons are beneficiaries, those who survive the insured will be paid in equal shares.

Change of beneficiary While the insured is alive, the owner may change the beneficiary. The change must be made in writing and recorded by us at our Administrative Office. Once recorded, even if the insured is not alive, the change will be effective as of the date the request was signed. Any payment made or action taken by us before we recorded the change will not be affected. If the owner has named an irrevocable beneficiary in writing, no change can be made without the written consent of that beneficiary.

INSURANCE COVERAGE PROVISIONS

Death benefit Subject to the terms of this policy, the death benefit will be provided according to Option A or B defined below, as shown on the policy data page. Option A The death benefit will be the greater of:

1. the face amount on the date of death of the insured; or

2. the corridor adjusted death benefit as defined below.

Option B The death benefit will be the greater of:

1. the face amount plus the accumulated value on the date of death of the insured; or

2. the corridor adjusted death benefit as defined below.

The corridor adjusted death benefit is equal to the accumulated value on the date of death of the insured multiplied by the appropriate corridor percentage. The corridor percentages are shown in the corridor percentage table. Change of death benefit option The owner may elect to change the death benefit option at any time after the first policy anniversary by written application made to our Administrative Office, if:

Page 11

所有權、轉讓和受益人

(繼續)

我們保留核實受益人身份、年齡、性別或其他資料的權利。除非另有說明，如果受益人爲兩人或兩人以上，則在受保人死亡之後生存的受益人之間將平分死亡理賠。更換受益人受保人在世期間，所有人可以更換受益人。更換必須採取書面方式，並在本公司的行政辦公室登記。更換登記後，即便受保人不在世，更換也將于簽署申請時生效。本公司在更換登記前支付的款項或採取的行動不受影響。如果所有人以書面方式指定不可撤銷的受益人，則未經該受益人書面同意，不可更換受益人。

保險範圍條款

死亡理賠根據本保單的條款，本公司將根據下列選擇 A 或 B 支付死亡理賠。選擇的種類在保單資料中注明。

選擇 A 死亡理賠爲下列金額中較高的一個﹕

1. 受保人死亡之日的面額；或者 2. 下說明的調整後死亡理賠。

選擇 B 死亡理賠爲下列金額中較高的一個﹕

1. 面額加受保人死亡之日累計的價值；或者 2. 下列說明的用保險下限比例調整後死亡理

賠。

調整後的死亡理賠相當於受保人死亡之日累計的價值乘以相應的保險下限比例。目前的保險下限比例請參看保險下限比例表。

更改死亡理賠種類

在保單第一個周年日後，所有人有權隨時向本公司行

政辦公室遞交書面申請，以更改死亡理賠選擇，前提

是﹕

第 11 頁


INSURANCE COVERAGE PROVISIONS (Cont’d)

1. the current death benefit is not equal to the corridor adjusted death benefit, as defined above; and

2. the requested change would not result in a face amount less than the minimum face amount as shown on the policy data page.

If the change is from Option A to Option B, the face amount will decrease by an amount equal to the accumulated value. If the change is from Option B to Option A, the face amount will increase by the amount of the accumulated value. We may require evidence of insurability prior to any change from Option A to Option B.

Any change will be effective on the first day of the policy month that falls on or next follows our approval of a request for a change. At least twelve months must elapse between each change of death benefit option. Changes in insurance coverage The owner may request an increase or decrease in the face amount provided by this policy. The policy must have been in effect for one year. The owner must make any request in writing on a form acceptable to us and send it to our Administrative Office. At least twelve months must elapse between each increase or decrease. Any change is subject to the following conditions:

1. INCREASES: An increase will be effective on the first day of the policy month that falls on or next follows our approval of a request for an increase. We may request satisfactory evidence of insurability. No increase will be made if the accumulated value is not sufficient to cover the next monthly charge. We will issue a new policy data page for each increase in face amount.

2. DECREASES: A decrease will be effective on the first day of the policy month that falls on or next follows our receipt of a request. Such a decrease will reduce insurance in the following order: a. from the most recent increase, if any; b. successively from the next most recent

increases, if any; c. from the initial face amount of the

policy.

Page 12

保險範圍條款(繼續)

1. 目前的死亡理賠不等於根據回廊利率調整後

的死亡理賠（定義如上）；

2. 在更改死亡理賠後，面額不會低於保單資料表規定的低面額。

如果從方案 A 變更到方案 B，面額將減少，減少的金

額相當於累計現金值。如果從方案 B 變更至方案 A，

面額將增加，增加的金額相當於累計的現金值。在從

方案 A 變更到方案 B 之前，我們可能要求您提供證據

以證明您符合保險資格。

更改在本公司批准更改後的第一個保單月的第一天生

效。每次死亡理賠方案變更必須與前一次變更至少間

隔 12 個月。

更改保險範圍所有人可以要求增加或減少本保單的面額。前提是保單必須至少已生效一年，且所有人必須填寫本公司可接受的書面表格，並將表格寄到本公司的行政辦公室。

每次增加或減少面額必須至少間隔 12 個月。更改面額的前提條件如下﹕

1. 增加﹕增加面額在本公司批准增加申請時

或之後的第一個保單月的第一天生效。本

公司可能要求證明保險資格的證據。如果

現金值不足以支付下一個月的費用，將不

得增加面額。每次增加面額，本公司都將

簽發新的保單資料表。

2. 減少﹕減少面額在本公司收到減少申請時或之後的第一個保單月的第一天生效。減少面額將下列次序依次﹕ (a) 減少近一次增加的面額(如果這筆數

額存在的話)； (b) 依次減少上一次增加的面額 (如果這

筆數額存在的話)； (c) 減少保單的起始面額。

第 12 頁


INSURANCE COVERAGE PROVISIONS (Cont’d) The face amount after any requested decrease may not be less than the minimum face amount shown on the policy data page. We will issue a new policy data page for each decrease of face amount.

PREMIUM PROVISIONS First premium The first premium must be paid as of the issue date. It is required to put this policy in force. Scheduled premiums Scheduled premium payments may be made periodically during the insured’s life. The owner may change the amount of scheduled premiums. Unscheduled premiums The owner may make unscheduled premium payments at any time the policy is in force. We reserve the right in any policy year to limit the amount of such unscheduled premiums if payment would result in an increase in the death benefit. Minimum annual premium This policy, at all issue ages, will not lapse during the first ten policy years if the sum of all premiums paid to date minus any policy loans and partial surrenders is equal to or greater than the minimum premium shown on the policy data page multiplied by the number of full and partial years since the issue date. Payment of premiums If any check or other instrument given in payment is not honored when presented for payment, the premium will remain unpaid. Cash payments shall not be considered as payment. The premium payment must be actually received in our Administrative Office and you must have received an official receipt from our Administrative Office in order for your premium to be considered paid. Grace period If the cash value is not sufficient to cover the monthly charge then due, and during the first seven years, the minimum premium as described above has not been paid, the grace period will start. The policy will stay in force during the grace period, which is 61 days.

If we do not receive enough premium to pay the monthly charge or the minimum premium by the end of the grace period the policy will lapse without value.

Page 13

保險範圍條款(繼續)

任何要求減少後的面額不得少於保單資料表規定的

低面額。本公司將就每次減少面額簽發新的保單資料

表。

保險費條款頭期保費初期保費必須在簽發日期支付。這是保單生效的前提條件。定期支付的保費定期保費是在受保人世期間定期支付的保費。所有人可以改變定期保費的面額。

不定期保費在保單有效期內，所有人有權隨時更改不定期保費。如果支付不定期保費會增加死亡理賠的話，本公司有權在任何保險年度限制不定期保費的金額。

低年保費額如果所有已付保費的金額等於或高於低年保費額，減除保單的貸款，以及部分現金提取，乘以自簽發日期的全部年數和部分年數，則在保單頭 10 年內，無論簽發保單年齡是多大，保單都不會失效。

支付保費如果任何支票或其他支付手段無法兌現，保費等於未支付。現金支付應不屬於支付手段。保費的支付必須由本公司行政辦公室收取，而且您必須已收到本公司的行政辦公室給您的正式收據，這樣您的保費才算得到支付。

寬限期

如果現金值不足以支付當月應付月費，在頭 7 年期間，如果以上規定的低保險費沒有付清，寬限期開始計算。在寬限期之內，保單將繼續生效，寬限期為 61天。

如果在寬限期結束時本公司未收到足以支付月費或低保險費，保單將失效，且沒有任何現金值。

第 13 頁


PREMIUM PROVISIONS (Cont’d)

We will mail notice to the owner and any secondary addressee of record of the amount of premium that is required to continue the policy in force for at least 30 days prior to the end of the grace period. If the insured is age 64 or older, and the policy has been in force for at least one year, we will not lapse the policy for non-payment of premium until at least 21 days have passed since we notified the owner and secondary addressee that the policy will lapse. If the insured dies during the grace period the proceeds will be paid but we will deduct any outstanding monthly charges. Reinstatement This policy may be reinstated within five years after it has lapsed because sufficient premium was not paid before the end of the grace period. An application for reinstatement must be completed and sent to our Administrative Office including:

1. evidence, acceptable to us, that the insured is insurable;

2. enough premium to keep the policy in force for at least two months from the date of reinstatement.

The reinstatement will be effective on the first day of the policy month on or next following the date we approve it. The accumulated value on the effective date of reinstatement will be equal to the accumulated value at the beginning of the grace period prior to lapse less two monthly charges, at time of lapse, as defined in the policy values section. The surrender charge on the effective date of reinstatement will be the charge shown in the table of surrender charges and shall be measured from the original policy date.

If reinstatement occurs on or after the tenth anniversary of the original issue date, the required reinstatement premium will be equal to the greater of a. or b. divided by one minus the expense charge for the policy year when reinstatement occurs:

a. the surrender charge defined above, less the accumulated value defined above, plus two monthly charges, at time of reinstatement; or

b. two monthly charges at time of reinstatement.

Page 14

保險費條款(繼續)

我們將在寬限期結束至少 30 天前寄通知給保單投保人

和記錄中其它地址的第二收信人，以告知其令保單繼

續生效所需要繳納的保費金額。若被保險人 64 嵗或

64 嵗以上，並且其保單已生效至少一年，在我們寄通

知給保單投保人和任何其他地址記載的第二收信人后

的至少 21 天之内，保單不會因未付保費立即失效。

如果被保險人在寬限期內身故，我們將支付理賠金，

但將扣除未付的月費。

恢復保單

若因未在寬限期到期時支付足夠的保費而導致保單失

效，可在失效 5 年内恢復保單。

投保人須將填寫完整的恢復保單申請表寄到並將表格寄到本公司的行政辦公室，並附上：

1. 我們可接受的證明被保險人目前仍保持保險

簽發時同樣的可參保的狀況之證據；

2. 足夠的保費以保持保單從恢復日期起至少兩

個月有效。

恢復保單在本公司批准時或之後的第一個保單月的第

一天生效。

恢復保單生效之日的累計價值等於寬限期之初，時效之前，減去 2 個月保費的累計價值。失效日期根據保單價值部分規定計算。恢復保單生效之日之退保罰款將按照退保罰款價目表之規定計算，應當按照原始保單日期之日計算。

如果在原簽發日期第 10 個周年日後恢復保單，恢復保單的淨保費爲下列 a 或者 b 兩個金額中較高的一個相同，除以一, 減去保單恢復時保單年當中的收費:

a. 述的退保罰款，減去上述的累計價值，加上恢復保單時的 2 個月的月費；或者

b. 恢復保單時的 2 個月的月費。

第 14 頁


PREMIUM PROVISIONS (Cont’d) If reinstatement occurs prior to the tenth anniversary of the original issue date the required reinstatement premium will be equal to the lesser of:

(a) reinstatement premium as defined above, or (b) the minimum monthly premium multiplied by

the number of months from the original issue date to the reinstatement date, plus the amount of any partial surrenders prior to lapse, plus two additional minimum monthly premiums, less the total premiums paid to us prior to lapse.

POLICY VALUES

Accumulated value The accumulated value on the issue date is equal to the premiums paid less the expense charge and less the monthly charge for the first policy month. The accumulated value on the first day of a policy month other than the issue date is equal to (a) plus (b) plus (c) plus (d) minus (e) minus (f) where:

(a) is the accumulated value on the first day of the previous policy month;

(b) is any interest credited since the first day of the previous policy month;

(c) is all premiums received since the first day of the previous policy month less the expense charges;

(d) is any reimbursement incentive credited since the first day of the previous policy month;

(e) is all partial surrenders made since the first day of the previous policy month;

(f) is the monthly charge for the current policy month.

The accumulated value on any other day is calculated in a consistent manner. Incentives The accumulated value may be credited with one or both of the following incentives:

(a) Reimbursement incentive: on the 15th policy anniversary we will credit to the accumulated value an amount equal to 75% of all the monthly charges deducted until that time, not including the cost of any riders or the cost of extra mortality associated with substandard risks;

(b) Interest incentive: for the 20th calendar year of the policy and every year thereafter, we will credit interest of 1.50% in addition to the interest that otherwise would be credited for the year.

Page 15

保險費條款(繼續)

如果在原簽發日期第十個周年日前恢復保單，恢復保

單的保費爲下列兩個金額中較低的一個﹕

(a) 上述的恢復保單保費；或者

(b) 低月保費乘以原簽發日期到恢復保單日期

的月份數,加失效前的部分提款金額，加額外

兩個月的低保費,減失效前支付給本公司的

保費總額。

保單價值

累計價值簽發日期的累計價值計算等同於所支付的保費，減去開銷收費，再減去第一個保單月份的月費。

保單月份第一天的累積價值（而不是簽發日）等同於

(a)加 (b)，加(c)，加(d)，減(e), 減(f),如下:

(a) 是上一個保單月份第一天的累積價值；

(b) 是自上一個月份第一天起累積的利息；

(c) 是自上一個保單月份第一天起收到的所有保

費，減去開銷收費；

(d) 是自上一個保單月份第一日期后提取的所有

奖励金；

(e) 從上一個保單月第一天起所有的部分提款加

提款日期起的利息；

(f) 是保單本月份的月收費。

任何其他日子的累計值以一致的方式計算。

奖勵

累積值可以获得以下的一种或兩种奖励：

(a) 報銷奖励：在保单 15 週年，我們將给予累積

的價值相當於扣除的所有月費的 75％的奖励，

不包括任何附加条款的成本或與极大風險相關

的額外死亡条款成本; (b) 利息獎勵：保单满 20 年度，以及之後的每一

年，除了本年度應記入的利息外，我們還给予

1.50％的利息。

第 15 頁


POLICY VALUES (Cont’d) To qualify for these incentives you must pay at least the minimum annual premium in each and every policy year during the period of qualification, you may not make any withdrawals, and you must repay any loans taken during that time, with interest. The period of qualification is 15 years for the reimbursement incentive and 19 years for the interest incentive, counted from the issue date of the policy in both cases. Cash value The cash value is the accumulated value less any surrender charges less any interest forfeited. The amount of interest forfeited is equal to the interest credited during the twelve months prior to the date of surrender if surrender occurs within 15 years of the issue date. Surrender charge The surrender charges are shown in the table on the policy data page. The initial face amount and each increase in face amount incur such charges as shown in the table. Net cash value Net cash value is the cash value less any debt.

Expense charge An expense charge is deducted from each premium payment. The expense charge can never exceed 95% in the first policy year, 25% in policy years 2-10, and 15% thereafter.

We will determine the expense charge for each year based on our expectations about the future. The current expense charges are shown on the policy data page Monthly administrative charge We may deduct a monthly administrative charge not to exceed:

1. $7.00, plus 2. $0.30 per 1,000 of face amount during the

first 10 policy years

We will determine the monthly administrative charge for each year based on our expectations about the future. The current monthly administrative charge is shown on the policy data page.

Page 16

保單價值(繼續) 要獲得這些獎勵，您必須在有效資格期間的每個保險

年度至少支付低年度保費，您不得提取任何款項，

並且您必須償還在此期間獲得的任何貸款，并附加利

息。報銷獎勵有效資格期限為 15 年，利息獎勵期限為

19 年，兩種情況下均从保单签發日期算起。

現金值現金值等於累計價值減退保罰款，減利息罰沒。罰沒的利息金額等同於退保日期之前 12 個月當中的所的利息，如果退保發生在簽發日期的 15 年之內。退保罰款退保罰款請參看保單資料表。起始面額和每次增加面額的費用也請參看表格。

淨現金價值淨現金價值是現金價值減去任何債務。

開銷收費

從每筆保險費中扣除費用。開銷收費在第一保單年度

中不能超過 95％，在保單年度 2-10 年中為 25％，此

後為 15％。

我們將根據我們對未來的預期確定每年的開銷收

費。當前開銷收費顯示在保单數據頁上。月行政管理費

本公司可能收取月管理費，金額不超過：

1. 7 美元，外加

2. 在第一个 10 年保单期间，每 1,000 面值收

取$0.30 美元。

本公司根據我們對未來的預測確定每一年的月行政管

理費。當前的月行政管理費標準在保單的材料頁中有

顯示。

第 16 頁


POLICY VALUES (Cont’d) Monthly charge A monthly charge is deducted on the first day of each policy month. The monthly charge is the sum of (a) and (b) and (c) where:

(a) is the cost of insurance; (b) is the cost of any riders; (c) is the monthly administrative charge.

Cost of insurance The cost of insurance is determined on the first day of each policy month. The cost is computed separately for the initial face amount and each face amount increase. The accumulated value less the monthly administrative charge for the current month is first considered part of the initial face amount. If this value is more than the initial face amount, the excess over the initial face amount will be considered part of the increased face amount resulting from the increases in the order in which they occurred. The cost of insurance is equal to:

1. the death benefit on the first day of the policy month; minus

2. the accumulated value on the first day of the policy month; plus

3. the monthly administrative charge for the current month; plus

4. the monthly charge for any rider which does not depend on the amount of the accumulated value; multiplied by

5. the cost of insurance rate for that month.

Cost of insurance rate The cost of insurance rate is determined separately for the initial face amount and each face amount increase. The rates are based on:

1. the age of the insured on the issue date or date of increase and the duration of the policy, or each increase, in years; and

2. the premium class shown on the policy data page.

The premium class with the most recent effective date will apply to any increase in death benefit which results from the death benefit’s being equal to a percentage of the accumulated value.

Page 17

保單價值(繼續) 月費

在每個保單月份的第一天扣除月費。月費爲 a)、b)、

c)項的和，三項分別爲﹕

(a) 保險成本；

(b) 任何附加條款的成本；

(c) 月行政管理費。保險成本

保險成本於每個保險月份的第一天確定。有關的成本

將按起始面額和每次增加的面額而分別計算。開始

時，累計價值減當月月管理費視爲起始面額的一部

分。

如果該價值超過起始面額，該超出的部分將被依次視

爲每次增加的面額的一部分。保險成本相當於﹕

1. 保單月份第一天的死亡理賠金額；減除

2. 保單月份第一天的累計價值；加上

3. 當月的月行政管理費；加上

4. 附加條款的月收費，此附加條款不依附於累積價

值的總額；乘以

5. 當月的保險費率成本。

保險費率成本

保險費率成本將按起始面額和每次增加的面額分別計

算。成本率計算的依據爲﹕

1. 受保人在保單簽發日期或增加日期的年齡，

和保單的持續時間或每次增加面額的持續時

間(按年度算)；和

2. 保單資料表中說明的保險費等級。

由近的生效日期的保費等級將適用於任何死亡理賠

的增加，並該增加是由於死亡理賠等同於累積價值的

比例。

第 17 頁


POLICY VALUES (Cont’d) We will determine the cost of insurance rate for standard risks each year based on our expectations about future experience. For substandard risks the rate will be an appropriate multiple of the standard rate. Interest rates and interest credited The interest rates to be used in calculating the interest credited to the accumulated value in a given year will be determined as described below:

1. the annual index rate of that year is multiplied by the participation factor that corresponds to that year; the interest rate so obtained is multiplied by the beginning of the year accumulated value, after subtracting an amount equal to the monthly charges for the year;

2. for every month in the year, the index rate for that month is multiplied by the participation factor that corresponds to that year; the interest rate so obtained is multiplied by the premiums received that month after deduction of the expense charges;

3. for every month in the year, the index rate for that month is multiplied by the participation factor that corresponds to that year; the interest rate so obtained is multiplied by the partial withdrawals of that month.

The interest credited will be equal to the result from (1) plus the result from (2) minus the result from (3). The index rate is the rate of growth in the index that you selected. The annual index rate is measured from the end of the prior year to the end of the current year. The monthly index rate for any month is measured from the end of that month to the end of the year.

The credited interest rate will never be less than 1% and never greater than 12%, (plus the interest incentive, if credited), regardless of the value of the participation factor. The index is a stock index that may be the Standard & Poor’s 500 Stock Price Index (S&P 500) or the NASDAQ 100 Index (NASDAQ). These should not be confused with other indices, like NASDAQ Composite, S&P 400, etc.

You select the index on which the interest rate for the policy will be based. Once the policy has been issued the index cannot be changed. If the publication of the index is discontinued, or its calculation is substantially changed or is not available to us, we may substitute an alternative index and notify you in writing.

Page 18

保單價值(繼續) 本公司根據我們對未來所經歷的常規風險來確定每一年的保險費率。對於次常規風險，其利率是常規風險利率的適當倍數。

利率和利息貸記

利率是基於某一年份累積價值的利率的計算，並給予

利息貸記，利息貸記按照以下方法計算：

1. 該年度的年度指數率乘以與該年度相對應

的參與因素;如此獲得的利率乘以年初累

計值，減去等於該年度每月費用的金額;

2. 對於一年中的每個月，該月的指數率乘以

與該年相對應的參與因素;將所得的利率

乘以扣除該費用後該月收取的保費;

3. 對於一年中的每個月，該月的指數率乘以

與該年相應的參與因素;如此獲得的利率

乘以該月份的部分提款。

所貸記的利息將等於（1）加上（2）的結果，減去

（3）的結果。

指数率是您選擇的指数增長率。年指数率從上年年末

至本年度末进行計量。任何月度指數率從該月底到年

底进行計算。

無論參與因素的價值如何，貸记利率永遠不會低於 1

％，也永遠不會超過 12％（加上利息奖勵，如果有貸

記的话）。

該指數是股票指數，可能是標準普爾 500 股價指

數（S＆P500）或者納斯達克 100 指數(NASDAQ)。

這些不應該與其他指數相混淆，如納斯達克綜

合,標普 400 等。

您選擇保單利率所基於計算的指數。一旦該保單

已經簽發，指數率無法改變。如果該指數率的發

佈中斷，或它的計算發生實質性的改變或不提供

給我們，我們可能會用一個替代的指數率，並以

書面形式通知您。

第 18 頁


POLICY VALUES (Cont’d) The participation factor is a percent that is applied to the index rate. It is set by the Company each year based on past results and its expectations about the future, but will never be less than 40%.

Interest will be credited to the accumulated value each year on the first day of the policy month which begins in January. Interest credited on the portion of the accumulated value that is equal to the amount of indebtedness on the policy may be at a rate different from that credited on the remaining portion. For surrenders occurring within 15 years of the issue date, interest for the past 12 months will be forfeited. The Product is not sponsored, endorsed, sold or promoted by Nasdaq, Inc. or its affiliates (NASDAQ, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to the Product. The Corporations make no representation or warranty, express or implied to the owners of the Product or any member of the public regarding the advisability of investing in securities generally or in the Product particularly, or the ability of the NASDAQ 100 Index to track general stock market performance. The Corporations' only relationship to Best Meridian International Insurance Company SPC (BMII) (“Licensee”) is in the licensing of the NASDAQ®, OMX®, NASDAQ OMX® and NASDAQ 100 IndexTM

registered trademarks, and certain trade names of the Corporations and the use of the NASDAQ 100 Index which is determined, composed and calculated by NASDAQ without regard to Licensee or the Product. NASDAQ OMX has no obligation to take the needs of the Licensee or the owners of the Product into consideration in determining, composing or calculating the NASDAQ 100 Index. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the Product to be issued or in the determination or calculation of the equation by which the Product is to be converted into cash. The Corporations have no liability in connection with the administration, marketing or trading of the Product.

Page 19

保單價值(繼續) 參與的因素是指數率的百分比。它是由本公司每

年根據過往業績及其對未來的預期而設定，但永

遠不會低於 40％。

利息每年將計入累計值，從每年一月份的第一

天, 即保單月第一天算起。等同於保單上的負債

額的利息存入累積值的部分，其利率可能與保單

上的利率計算不同。

對於在簽發日期 15 年內出現的退保，過去的 12

個月的利率將被罰沒。

本產品不由納斯達克，其附屬公司（納斯達克及其附

屬公司，簡稱“公司”）贊助，認可，銷售或推廣。

公司沒有通過與產品相關的描述和披露的合法性或適

用性，或準確性或充分性。公司不對本產品的所有者

或任何公眾展示或暗示，并對證券產品，特別是对投

資證券的可取性做出表示或保證，或对納斯達克 100

指數，加以跟踪普通股市的能力性能做出表示或保证

。公司與 Best Meridian International Insurance

Company 保險公司 SPC（BMII）（“被許可人”）的唯

一關係是只经过納斯達克®，OMX®，納斯達克 OMX®和

納斯達克 100 指数 TM註冊商標的許可，以及公司的某

些商標名稱和納斯達克的使用 100 指數，由納斯達克

決定，組成和計算，不考慮被許可人或產品。納斯達

克 OMX 沒有義務在確定，編制或計算納斯達克 100 指

數時考慮被許可人或產品所有者的需求。公司不負責

並且沒有參與確定待發布產品的時間，價格或數量，

或者決定或計算產品被轉換為現金的方式。公司對產

品的管理，營銷或交易沒有責任。

第 19 頁


POLICY VALUES (Cont’d) THE CORPORATIONS DO NOT GUARANTEE THE

ACCURACY AND/OR UNINTERRUPTED CALCULATION OF

THE NASDAQ 100 INDEX OR ANY DATA INCLUDED

THEREIN. THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED

BY LICENSEE, OWNERS OF THE PRODUCT, OR ANY

OTHER PERSON OR ENTITY FROM THE USE OF THE

NASDAQ 100 INDEX OR ANY DATA INCLUDED

THEREIN. THE CORPORATIONS MAKE NO EXPRESS OR

IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL

WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A

PARTICULAR PURPOSE OR USE WITH RESPECT TO THE

NASDAQ 100 INDEX OR ANY DATA INCLUDED

THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY

LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL

DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF

SUCH DAMAGES. “The S&P 500 is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”), and has been licensed for use by Best Meridian International Insurance Company SPC. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”) and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”). The trademarks have been licensed to SPDJI and have been sublicensed for use for certain purposes by BMII. Best Indexed is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, or any of their respective affiliates (collectively “S&P Dow Jones Indices”). S&P Dow Jones Indices does not make any representation or warranty, express or implied, to the owners of the Best Indexed or any member of the public regarding the advisability of investing in securities generally or in Best Indexed particularly or the ability of the S&P 500 to track general market performance. S&P Dow Jones Indices only relationship to BMII with respect to the S&P 500 is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors.

Page 20

保單價值(繼續) 公司不保證納斯達克 100 指數或其中包括的任何數據

的準確性和/或不間斷計算。公司對於被許可人，產

品所有人或任何其他人或實體使用納士達 100 指數，

或其中包含的任何數據所獲得的結果不作任何明示或

暗示的保證。公司不作任何明示或暗示的保證，並明

確否認對適銷性或特定目的的適用性的任何擔保，或

對納斯達克 100 指數或其中包括的任何數據的使用做

出担保。在不限制上述任何條款的情況下，或者对任

何情況的出现，公司對於任何利潤損失或特殊的，偶

然的，懲罰性的，間接的或後果性的損害，即使已通

知此類損害的可能性的存在，均不承擔任何責任。

“S＆P 500 是 S＆P 道瓊斯指數有限責任公司或其附

屬公司（“SPDJI”）的產品，並已獲得可以由 Best

Meridian Insurance Company 保險公司 SPC 的使用

許可。标准普尔 Standard＆Poor's® 和 S＆P® 是标

准普尔的金融服务有限公司（“S＆P”）的註冊商標

，道瓊斯®是道瓊斯商標集團有限公司（“道瓊斯”

）的註冊商標。

這些商標已獲得 SPDJI 的許可，並已被 BMII 許可用

於某些目的。佳指數不是由 SPDJI，道瓊斯，標準

普爾或其任何各自的關聯公司（統稱“標普道瓊斯指

數”）贊助，認可，出售或促銷的产品。S＆P 道瓊斯

指數不會對佳指數或任何公眾的所有者作出任何明

示或默示的表示或保證，尤其是對於投資證券的可取

性或特別是標普 500 指數的一般市場表現能力。S＆P

道瓊斯指數有關標準普爾 500 指數與 BMII 的關係僅

是指數的許可，以及標普道瓊斯指數和/或其許可人

的某些商標，服務標記和/或商業名稱。

第 20 頁


POLICY VALUES (Cont’d) The S&P 500 is determined, composed and calculated by S&P Dow Jones Indices without regard to BMII or the Best Indexed. S&P Dow Jones Indices has no obligation to take the needs of BMII or the owners of Best Indexed into consideration in determining, composing or calculating the S&P 500. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of Best Indexed or the timing of the issuance or sale of Best Indexed or in the determination or calculation of the equation by which Best Indexed is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of Best Indexed. There is no assurance that investment products based on the S&P 500 will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE S&P 500 OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN.

Page 21

保單價值(繼續) 標準普爾 500 由標準普爾道瓊斯指數決定，組成和計

算，不考慮 BMII 或佳指數的因素。標普道瓊斯指

數沒有義務在確定，編制或計算標準普爾 500 時考慮

到 BMII 或者佳指數的所有者的需求。標普道瓊斯

指數不負責並且沒有參與確定價格，及佳指數數量

或發行或出售佳指數的時間，或在確定或計算佳

指數將被轉換為現金，退還或贖回（視情況而定）的

方式。標普道瓊斯指數對於佳指數的管理，營銷或

交易沒有義務或責任。不能保證基於標普 500 的投資

產品將準確跟踪指數表現或提供積極的投資回報。

S＆P 道瓊斯指數有限責任公司不是投資顧問。在指

數中納入擔保不是標普道瓊斯指數的建議，包括并以

此决定買入，賣出或持有等此類擔保，也不被視為针

对投資提出建議。

S＆P 道瓊斯指數不保證 S＆P 500 或其相關數據的充

分性，準確性，及時性和/或完整性，其數據包括但

不限於與相關的口頭或書面溝通（包括電子通信）。

S＆P 道瓊斯指數不會因任何錯誤，遺漏或延遲而遭受

任何損害或責任。

第 21 頁


POLICY VALUES (Cont’d) S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY BMII, OWNERS OF THE BEST INDEXED, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE S&P 500 OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND BMII, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.” Partial surrender After the first policy year and while the insured is alive, the owner may request, in writing, to surrender part of the cash value. Such a partial surrender will be subject to the following terms:

1. the minimum amount of any partial surrender will be $250;

2. the net cash value remaining must equal at least $250 plus the monthly charge for the policy month following the partial surrender;

3. if death benefit Option A has been elected, the amount of the partial surrender will be subtracted from the face amount in the following order: a. from the most recent increase, if any; b. successively from the next most recent

increase, if any; and c. from the initial face amount of the

policy. The face amount left after such reduction must be at least equal to the minimum face amount shown on the policy data page.

Page 22

保單價值(繼續) S＆P 道瓊斯指數不作任何明示或暗示的保證，不保證

其产品適銷性或適用於某一特定用途或使用，不保证

佳指數由于采用 BMII 的结果针对其所有者或任何其

他個人或實體獲得使用標準普爾 500 或與其相關的任

何數據的结果。不限於上述任何內容，在任何情況下

，S＆P 道瓊斯指數均不對任何間接，特殊，偶發，懲

罰性或後果性損害負責，包括但不限於利潤損失，交

易損失，丟失時間或商譽，即使如果他們已被告知此

類損害的可能性，無論是合同，侵權，嚴格責任還是

其他。除 S＆P 道瓊斯指數的认可权以外，S＆P 道瓊

斯指數與 BMII 之間的任何協議或安排中，均没有第三

方受益人。

部分提款在保單第一年後，如果受保人還健在的話﹐所有人可通過書面方式要求部分現金值提款。

部分提款可能受下列條件的限制：

1. 部分提款的低限額爲$250；

2. 剩餘的現金值必須不低於$250，加部分提款

後保險月份的月費；

3. 如果選擇的是第 A 種死亡理賠，部分退保金

額將由面額中按照以下順序扣除：

a. 從近的增加部分中扣除，如果有的話；

b. 依次從下個近的增加部分中扣除，如果

有的話；

c. 從保單的起始面額中扣除。扣除後的面額

必須至少等同於本保單材料頁上顯示的

低面額。

第 22 頁


POLICY VALUES (Cont’d)

4. we will deduct a partial surrender charge for each partial surrender. It will be no more than $25;

5. only one partial surrender may be made in a policy year;

6. we have the right to postpone payment of the partial surrender for up to six months unless it is used to pay a premium to us.

Surrender You can surrender this policy at any time. The cash surrender value is equal to the net cash value. The following conditions must be met:

1. any request to surrender must be in writing on a form acceptable to us;

2. the original policy must be returned to us at our Administrative Office;

3. the insured must be alive on the effective date of this surrender.

We may postpone payment of the cash surrender value for up to six months unless it is used to pay a premium to us. If a request to surrender is made within 30 days after a policy anniversary, the cash surrender value will not be less than the cash surrender value on that anniversary, less any debt or partial surrenders made on or after that anniversary. No insurance will be in force once we receive a request to surrender.

Continuation of insurance If the scheduled premium payments are not paid as scheduled and no unscheduled premium is paid, this policy will continue in force until the cash value at the beginning of a policy month is not sufficient to cover the monthly charge for that month. At such time, the grace period provision will apply. In no case will a rider continue beyond the date it would otherwise terminate.

POLICY LOANS The owner may obtain a policy loan from us if the following requirements are met:

1. the policy has passed the first policy anniversary;

2. the policy must be the only security for the loan;

3. the policy is assigned to us on a form acceptable to us;

Page 23

保單價值(繼續)

4. 本公司對每次部分提款都將收取手續費，

不多於 25 美元；

5. 每個保單年度只可提款一次；

6. 本公司有權推遲支付部分提款，至多 6 個

月，除非此提款用於支付本公司的保費。

退保

您可以隨時退保。現金退保值等於淨現金值。必須符合下列條件﹕

1. 提出退保申請時必須填寫本公司可接受的書面表格；

2. 保單正本必須寄回本公司行政辦公室；

3. 退保生效日時受保人必須在世。除非現金退保值提款是用於向本公司支付保費，否則本公司有權推遲多 6 個月支付所提款項。如果退保要求的提出是在保單周年 30 天之內，現金退保值不會少於當年保單周年的現金退保價值，減除當年保單周年或之後的任何債務或部分退保金。本公司收到退保申請後保險將失效。

保險的延續

如果未根據付款日期支付定期保費並且沒有支付不定

期保費，本保單將繼續有效，直到某個保單月份之初

的現金值不足以支付當月的月費爲止。此時，有關的

寬限期條款將開始生效。在任何情況下，附加條款的

有效期不得超過其原始終止日期。

保單貸款

如果以下條件符合，所有人可以從本公司獲得保單貸

款：

1. 保單超過保單的第一個周年日；

2. 保單必須作為貸款的唯一抵押保證；

3. 保單作為本公司可以接受的形式，轉讓給

本公司；

第 23 頁


POLICY LOANS (Cont’d)

4. the requested loan plus any preexisting debt must not exceed the maximum loan value;

5. the policy is in force. The maximum loan value equals the net cash value less the monthly charge for the next month. We can postpone payment of a policy loan for up to six months unless it is used to pay a premium to us.

Debt In this policy, debt means the principal of any outstanding policy loan plus any interest thereon which has not been paid. Interest Interest is due in arrears at an annual rate of 8%, and is payable annually on each policy anniversary. Interest not paid when due is added to and becomes part of the principal of the loan and bears interest at the rate payable on the loan. Loan repayment You may repay a loan in full or in part at any time before this policy terminates while the insured is alive. Loan repayment will be applied to the cash value which is securing the loan. Limit of policy loans If debt equals or exceeds the cash value, the grace period will begin and the grace period provisions of this policy will apply.

Page 24

保單貸款(繼續)

4. 要求的貸款金額，加上先前存在的債務，

數額不得超過大的貸款價值；

5. 保單必須在有效期內。

大貸款價值等同于淨現金值，減除下個月月收費。

除非保單貸款是用於向本公司支付保費，否則本公司

有權推遲多 6 個月支付所貸款項。

債務

在本保單中，債務是指任何未償還保單貸款的本金加

上尚未支付的利息。

利息

利息由於拖欠須以 8％的年利率支付，並必須在每年

保單周年日支付。逾期未支付的利息將成為在該貸款

的本金之部分，並產生利息，應按貸款利率支付。

還貸

您可以在任何時間，在保單終止之前，收保人仍在世

時，全部或部分償還貸款。還款將被列入到現金價值

上，以此確保貸款。

保單貸款的限制

如果債務等於或超過現金值，寬限期開始，本保單的

寬限期的規定將適用。

第 24 頁


Page 25 / 第 25 页


DEPOSIT AND ANNUITY OPTIONS “Payee” used in this provision, means the person who is entitled to receive the amount payable under this policy. Instead of having the amount payable under this policy paid in one sum, you may choose to have all or part of it applied under one of the deposit or annuity options. This amount, referred to as “the proceeds”, must be at least $1,000. In case of surrender of this policy, you may apply the proceeds under one of the annuity options only. If the income payments are less than $50 per month we will convert them to equivalent quarterly, semi-annual or annual payments. You may choose or change an option before the death of the insured. Notify our Administrative Office of your choice or of any change. If no option is on file at our Administrative Office at the time of death of the insured, the payee may choose one.

Once an option is chosen, a payee may not assign or commute the payments, or make any other changes to the option. The deposit and annuity options will not be available to:

(a) any assignee, unless the assignee is a beneficiary of this policy;

(b) any corporate beneficiary, partnership or trustee; or

(c) the executors or administrators of a payee’s estate.

DEPOSIT OPTIONS

1. The proceeds may be left on deposit with us and

withdrawn, on reasonable notice, in amounts of not less than $100. We will pay interest at the frequency agreed upon with us when this option is chosen. Interest may be paid yearly, half-yearly, quarterly or monthly.

2. The proceeds may be left on deposit with us and

paid in installments. The amount of installments and the frequency of payment will be agreed upon with us when this option is chosen. We will continue payments until all the principal and interest have been paid.

When one of these options is chosen, any amount left on deposit at the death of the payee will be paid in one sum to the executors or administrators of that payee’s estate.

We will pay interest on proceeds left on deposit with us at rate determined by us. Such rate may change from time to time. We guarantee this rate will be at least 1% per year, compounded yearly.

Page 26

存款與年金方案

在本條款中，“收益人”指的是有權根據本保單獲得

應付款項者。

除了一次性獲得本保單項下的應付款項外，您也可以

選擇將全部或部分應付款歸入存款或年金中。該金額

（稱爲“理賠”）至少需爲$1,000。如果對本保單退

保，您只可以根據其中一項年金方案適用理賠。如果

您所獲得的金額低於$50.00/月，我們將把相應款項轉

換成季度、半年或年度付款。

在被保險人身故之前，您可以選擇付款方式或更改付

款方案。請就您所作的選擇或更改向本公司行政辦公

室發出通知。若在被保險人死亡時本公司行政辦公室

的記錄顯示您未作任何選擇，收益人可進行選擇一項

收款方案。

若投保人已選擇某項方案，收益人不得轉讓、兌換所

得款項或對其選擇進行更改。在投保人選擇某項方案

後，本公司將不會向以下人士/單位元提供存款和年

金﹕

(a) 任何被轉讓人，除非被轉讓人是本保單的受益

人。

(b) 公司、合夥企業受益人，或受託管理人；或

(c) 收益人的遺囑執行人或遺産管理人。

存款選擇

1. 有關的理賠收益可作爲存款存放在本公司，可在

向本公司發出合理通知後提款，提款金額不得少

於$100。我們將根據您在作出本項選擇時雙方商

定的時間間隔支付利息。利息可按每年、每半年

、每季度或每月支付。

2. 有關的理賠收益可作爲存款存放在本公司並以分

期方式支付給您。分期付款的金額和時間間隔將

在您作出本項選擇時與公司共同商定。我們將持

續向您付款，直到本金和利息全部支付完畢爲止

在一種存款方式被選擇後,收益人身故後所剩餘的存款

將一次性支付給收益人的遺囑執行人或遺産管理

人。

本公司將根據本公司決定的利息支付存款利息。存款

利息可能隨時變化。本公司保證存款年利率不低於

1%，利息每年累計計算。

第 26 頁


ANNUITY OPTIONS Plan A – Income for a fixed period We will pay a monthly income for a fixed period of time agreed on, not exceeding 30 years. Plan B – Income for life We will pay a monthly income during the lifetime of the payee. Payments will cease on the payee’s death. Plan C – Income for life with guaranteed payments for 10

years We will pay a monthly income during the lifetime of the payee. If the payee dies before 120 months have expired, we will continue payments for the remainder of the 120 months. Plan D- Joint and survivor annuity We will pay a monthly income as long as either payee survives. If an annuity option is chosen, we will pay the first income payment on the date on which we would have paid the policy proceeds. We will calculate the income in the following way:

(1) the proceeds will be used as a single premium;

(2) the single premium will be applied to the

plan chosen using the single premium annuity rates for that plan. We will use the rates in effect on the date of the first income payment.

We will pay the larger of the income calculated by the method shown above or the income for the same plan calculated from the table of annuity options. Except for Plan A, the amount of each payment under an annuity option will be based on the sex and age of the payee(s), at the time of the first payment. We will require proof, acceptable to us, of the age of the payee(s) before any payment is made. We may require proof that a payee is still living before we make any payments after the guaranteed period. Any guaranteed payments remaining at the death of the payee will be paid to the executors or administrators of that payee’s estate.

Other types of annuity options are available and may be agreed to by us upon application to our Administrative Office.

Page 27

年金選擇

計劃 A - 固定時間的理賠

本公司將在雙方同意的固定時間內向您按月支付理賠

金，支付期限不超過 30 年。

計劃 B - 終生理賠

本公司將在收益人在世時每月支付理賠，直到收益人

身故爲止。

計劃 C - 終生理賠，10 年保證理賠

本公司將在收益人在世時每月支付理賠。若收益人在

120 個月到期前身故，我們仍將支付理賠直至 120 個

月結束。

計劃 D - 共同及生者年金

只要任何一位收益人之一在世，我們將每月向其支付

理賠金。

若您選擇了某年金方案，本公司將在支付保單理賠

期支付您的第一筆收益。該收益計算方法如下﹕

(1) 理賠作爲單一保費；

(2) 被選擇的計劃將採用該計劃的單一保費年金

率。我們將適用第一筆收益支付生效日期的費

率。

本公司將支付下列兩種理賠中較高的一個﹕按上述方

式計算的收益數額，或使用年金表計算的對同一保險

計劃的收益數額。

除計劃 A 外，年金每一筆付款的金額是根據收益人頭

筆收益金時的性別和年齡計算的。在付款前，本公司

將要求提供可接受的證明收益人的年齡的證明。保證

期結束後，我們在付款前也可能要求提供收益人仍然

在世的證明。

收益人死亡時的保證付款將支付給收益人的遺囑執行

人或遺産管理人。

本公司也提供其他種類的年金計劃，您可以向本公司

行政辦公室申請。

第 27 頁


TABLE OF ANNUITY OPTIONS 年金選擇表

Monthly Payments Provided by Each $1,000 of Proceeds 每$1,000 理賠的月收益

PLAN A

FIXED PERIOD

計劃 A

固定期限支付

Age of Payee

收益人年齡

PLAN B

LIFE

計劃 B 終生支付

PLAN C LIFE

GUAR. 10 YRS.

計劃 C 終生

支付， 10 年支付保證

PLAN D

JOINT AND SURVIVOR ANNUITY

計劃 D

共同和生者年金

No. of Months 月數

Monthly Payments

月收益

Male

男

Fem.

女

Male

男

Fem.

女

Age of

Fem. 女性年齡

Age of Male 男性年齡

Age of

Fem. 女性年齡

50 55 60 65 70

12 $84.28 55 4.42 3.97 4.35 3.94 55 3.47 3.60 3.71 3.80 3.87 5524 42.66 56 4.52 4.06 4.44 4.02 56 3.50 3.64 3.76 3.86 3.93 5636 28.79 57 4.63 4.14 4.54 4.11 57 3.53 3.68 3.81 3.92 4.00 5748 21.86 58 4.74 4.24 4.65 4.19 58 3.55 3.72 3.87 3.99 4.08 5860 17.70 59 4.87 4.34 4.76 4.29 59 3.58 3.76 3.92 4.05 4.15 5972 14.93 84 12.95 60 5.00 4.44 4.87 4.38 60 3.60 3.79 3.97 4.12 4.23 6096 11.47 61 5.14 4.55 4.99 4.49 61 3.63 3.83 4.02 4.18 4.31 61108 10.32 62 5.29 4.67 5.12 4.69 62 3.65 3.86 4.07 4.25 4.40 62120 9.39 63 5.45 4.80 5.25 4.71 63 3.67 3.90 4.12 4.32 4.48 63132 8.64 64 5.63 4.93 5.40 4.83 64 3.70 3.93 4.17 4.39 4.57 64144 8.02 156 7.49 65 5.81 5.08 5.54 4.96 65 3.72 3.97 4.22 4.46 4.66 65168 7.03 66 6.01 5.23 5.69 5.09 66 3.74 4.00 4.27 4.53 4.76 66180 6.64 67 6.22 5.40 5.85 5.23 67 3.76 4.03 4.32 4.60 4.85 67192 6.30 68 6.44 5.57 6.01 5.38 68 3.77 4.06 4.36 4.67 4.95 68204 6.00 69 6.68 5.76 6.18 5.54 69 3.79 4.09 4.41 4.74 5.04 69216 5.73 228 5.49 70 6.94 5.97 6.35 5.70 70 3.81 4.11 4.45 4.81 5.14 70240 5.27 71 7.22 6.19 6.53 5.88 71 3.82 4.14 4.49 4.88 5.24 71252 5.08 72 7.51 6.43 6.70 6.06 72 3.83 4.16 4.54 4.94 5.34 72264 4.90 73 7.82 6.69 6.88 6.24 73 3.83 4.16 4.54 4.94 5.34 72276 4.74 74 8.16 6.98 7.07 6.44 74 3.86 4.20 4.61 5.07 5.54 74288 4.60 300 4.46 75 8.52 7.28 7.25 6.63 75 3.87 4.22 4.65 5.13 5.63 75312 4.34

324 4.22

336 4.12

348 4.02

360 3.93

TABLE BASED ON 1983 ANNUITY TABLE AT 2½% INTEREST 本表格以 1983 年利率 2½%之年金表爲依據

The amounts for ages not shown in the table may be obtained from our administrative Office

該表格中未出現的年齡資料可以從本公司行政辦公室獲取

All amounts are guaranteed 所有的數額予以保證

Page 28 / 第 28 頁


Page 29 / 第 29 頁


ACCELERATED BENEFIT RIDER After the policy has been in force for at least two years during the lifetime of the insured, we will pay in advance to the policy owner fifty percent of the sum insured (excluding riders) up to a maximum of $250,000, if the following conditions exist:

1. the policy is in force and is not in the grace period;

2. we receive statements and supporting documentation, acceptable to us, from the physician of the insured indicating that because of the nature and severity of the insured’s condition, the condition is terminal and the insured has a life expectancy of no more than twelve months;

3. we receive an assignment form making us assignee in the amount of the accelerated death benefit payment. Upon the death of the insured, the remainder of the death benefit proceeds will be payable to the named beneficiary;

4. the amount of any outstanding policy loan is less

than the amount payable under this benefit. If there is an irrevocable beneficiary, we require an acknowledgement of agreement for payout. If the policy has an outstanding loan, we will subtract the amount of the loan from the amount payable under this benefit. Such loan amount will be considered paid and will not be deducted from the proceeds of this policy upon the death of the insured. We have the right to require, at our expense, that the insured be examined by one or more physicians of our choosing in order to verity the diagnosis. We also have the right to require that the insured provide us with all of the medical records pertaining to the condition which is the basis for the claim under this rider. Provided that the policy is still in force, upon the death of the insured, after the accelerated benefit has been paid, the beneficiary will receive the net death proceeds provided by the policy.

Page 30

加急理賠附加條款

在被保人在世期間且本保險政策生效至少兩年後，

若符合下列條件，我們將向保單投保人提前支付

50% 的保險數額(除去附加條款) ，支付金額高不

超過 $250,000：

1. 保單有效並且不在寬限期內；

2. 我們從被保人的醫生處收到了可以接受的聲明

和支持檔，這些檔表明因為被保人情況的性質和

嚴重性，其狀況已處於生命末期且被保人預期生

命不超過 12 個月。

3. 我們收到了相應的轉讓申請，從而本公司成為加

急身故理賠金額的被轉讓人。轉讓的數額是擴充

加急死亡理賠的數額。被保險人身故時所剩餘的

死亡理賠金額將被支付給指定的受益人。

4. 尚未償還的保險貸款數額少於本理賠條款下應支

付的數額；

若有不可撤銷的受益人，我們要求確認同意根據本

附加條款所進行的支付行為。

如果本保險還有未償還的貸款，我們將從根據這一

理賠應支付的數額中扣去該數額。此類貸款將被認

為是已經支付並且在被保人去世時不會被從該保險

的理賠數額中扣除。

我們有權在自己承擔相應費用的情況下要求被保險

人由我們所選擇的一個或多個醫生檢查以確認其診

斷。我們也有權要求被保險人提供給我們所有與構

成了本附加條款索賠基礎有關之情況的病歷記錄。

在加急理賠金已經被支付後，若本保險在被保人去

世時還有效，受益人將得到本保險所提供的死亡理

賠淨額。

第 30 頁


ACCELERATED BENEFIT RIDER (Cont’d) The right to receive payment under this rider is subject to the following conditions: 1. the policy must be in force and not in the grace

period; 2. the request for payment must be in the form of a

written claim submitted to our Administrative Office; 3. the policy must not be assigned except to us as

security for a loan; 4. the amount of the accelerated benefit paid in

accordance with this policy will be reduced by any amounts paid by any other similar policy or rider issued by us.

Physician: means an individual with an active medical license and who is board certified in his or her specialty, in the country where he or she works as a practitioner of the healing arts performing an act within the scope of his or her license. The physician must not be the insured or related to the insured and must not usually reside in the household of the insured.

Terminal: means that a physician predicts, in the physician’s best medical judgment that the insured will die within twelve months due to a non-correctable condition. The accelerated benefit rider will terminate on the earlier of: 1. lapse, surrender or termination of this policy; 2. upon payment of the accelerated benefit. There is no premium or monthly charge for this benefit

加急理賠附加條款(繼續)

本附加條款中的理賠權受到以下條件的影響：

1. 保單有效並不在寬限期內；

2. 理賠要求應以書面索賠方式提交向本公司行政

辦公室；

3. 保單未被轉讓給我們作爲貸款抵押除外而被轉

讓；

4. 根據本保險而支付的加急理賠的數額將因根據

我們所頒發的任何其他保單或附加條款所支付

的相關數額而有所減少。

醫生：指有有效行醫執照的人，此人在他或她的專

業領域並在其作為從業者而工作的國家有執照，並

且是在其執照規定範圍內行醫。醫生不得為被保人

或與被保人有親屬關系，通常也不得居住在被保人

的住所。

生命末期：指醫生根據其所可能的准確判斷而預

測被保人將因為醫治無效而在 12 個月內死亡。

本加急理賠附加條款將在以下兩個日期中的較早一

個日期終止：

1. 本保單失效，被放棄或終止；

2. 加急理賠被支付之日。

本理賠無須保費或月費。

BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC

3rd Floor, Willow House, 171 Elgin Avenue P.O. Box 10233

George Town, Grand Cayman, Cayman Islands, KY1-1002

Page 31 / 第 31 頁


Page 32 / 第 32 頁


INDIVIDUAL LIFE INSURANCE POLICY Issued by

個人人壽保險簽發公司為

BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC 3rd Floor, Willow House, 171 Elgin Avenue

P.O. Box 10233 George Town, Grand Cayman, Cayman Islands, KY1-1002

Administrative Office 公司行政辦公室 BMI Services, Inc.

8950 S.W. 74 Court, Miami, Florida 33156

A Stock Company

INDEXED FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE POLICY

Insurance payable at insured’s death while policy is in force. Flexible premiums payable during the life of

the insured through age 120.

ADJUSTABLE DEATH BENEFIT

NON-PARTICIPATING

NO DIVIDENDS TO OBTAIN INFORMATION OR MAKE FURTHER INQUIRIES INTO THIS POLICY, YOU MAY CALL

US AT (305) 443-2898

股份公司

靈活的、浮動保費的人壽指數保險計劃

只要保單有效，本公司將在被保險人死亡時支付死亡理賠。受保人在世期間年滿 120 歲前，可以靈活支付保費。

可調整的死亡理賠

不參預管理

不分配紅利

獲取更多資訊，或者詢問本保單更多情況，您可以致電本公司電話（305）443-2898

Documents

BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC · 2017. 5. 2. · BEST MERIDIAN INTERNATIONAL INSURANCE COMPANY SPC 3rd Floor, Willow House, 171 Elgin Avenue P.O. BOX 10233 George