北大方正人寿保险排名人寿[2015]定期壽险023号 北大方正人寿保险排名人寿保险有限公司 请扫描以查询验证条款 附加豁免保费型定期寿险 B 款条款 （2015 年 11 月） 目录 第一部分 ·· 您（投保人）与我们（北大方正人寿保险排名人寿保险有限公司）的合同 ································· 2 第一条 合同的构成 2 第②条 投保范围 2 第三条 保险期间 2 第四条 保险责任的开始 2 第五条 犹豫期 3 第二部分 ·· 我们提供的保障 ··········································································································· 3 第六条 保险责任 3 第七条 责任免除 3 第三部分 ·· 如何申请领取保险金···································································································· 4 第八条 受益人的指定和变更 4 第九条 申请资料4 第十条 保险金的给付 5 第十┅条 诉讼时效 5 第四部分 ·· 如何交纳保险费 ··········································································································· 5 第十二条 保险费的交纳 6 第五部分 ·· 现金价值权益 ··············································································································· 6 第十三条 现金价值 6 第十四条 减额交清 6 第六部分 ·· 合同效力的终止 ··········································································································· 6 第十五条 您主动解除合同的權利 6 第十六条 合同效力的终止 7 第七部分 ·· 您必须了解的其他事项································································································ 7 第十七条 明确说明与如实告知7 第十八条 本公司合同解除权的限淛 7 第十九条 未还款项8 第八部分 ·· 释义···············································································································