还款计划条款和条件-一般

您已选择参加一个权益免费, 合乐888登录注册提供的还款计划(还款计划).  这个还款计划让你有能力支付预定的保费, 或者是在保单取消暂停期间到期但未支付的每月扣除费,该暂停使您的保单在6月23日失效, 2020 plus an amount to keep your coverage in force for an additional two months (total repayment amount).  还款计划是这样的 include any payments into the Option to Purchase Paid-up Additions (OPP) rider that were 不 paid.  以维持你的合乐8注册登录, 你将需要开始偿还总还款金额,并在6月23日临时暂停结束后恢复你的定期还款, 2020. 

还款计划将如何运作
In addition to any future premiums or Monthly Deduction Charges that are due on your policy, 每个月你将会收到相当于到期还款总额的十二分之一(1/12)的账单(每月还款金额).  如果该每月还款金额未在我们发送给您的通知所指明的到期日或之前支付,或您没有足够的现金返还价值(或净现金价值), if applicable) to pay your Monthly Deduction Charges and any portion of the monthly repayment amount, 你方保单将按其条款失效 (please see below for additional details). 你可以选择在任何时候支付超过每月应付的还款金额, 但是你付的钱永远不能少于每月应偿还的金额. 

所支付的任何合乐8注册登录福利将扣除我们所欠的任何金额, 包括到期但未支付的还款总额的任何部分.  到期但未支付的还款总额的任何部分 不能 通过保单的现金返还值或保单贷款访问.  If your policy lapses according to its terms and you elect to reinstate your policy, 根据保单条款,您必须支付所有到期的款项, 包括到期但未支付的还款总额的任何部分. 

如果你不支付应付的还款金额
If you have a term policy and do 不 pay the scheduled premium or the monthly repayment amount due, 你方保单将按其条款失效. 

If you have a whole life policy and do 不 pay the scheduled premiums or the monthly repayment amount due, you may elect to pay the monthly repayment amount from the policy’s cash surrender value or by taking a loan from your policy.  如果您选择从保单的现金退保价值自动支付保费,而保单中有足够的现金退保价值, the monthly repayment amount due will be deducted from your policy’s cash surrender value.  If you have elected to have premiums automatically paid by policy loan and there is sufficient loan value, a policy loan will automatically be taken from your policy to pay the monthly repayment amount due.  If you have 不 previously elected to have premiums paid from the policy’s cash surrender value or by taking an automatic policy loan, your agreement to these terms and conditions allows us to automatically pay the monthly repayment amount due by policy loan.  任何用于支付保费或每月还款金额的保单贷款,将根据保单条款产生利息.  Any loan interest that you do 不 pay when due will be added to the policy’s outstanding principal and will also accrue interest. 保单贷款利息在保单上指定的日期到期. The interest rate will never be more than the maximum loan interest rate stated in your policy. 总未偿还贷款余额, 其中包括应计贷款利息, reduces your policy’s available cash surrender value and any life insurance benefits paid. You can repay all or a part of your total outstanding loan balance at any time while your policy is in effect.  如果你没有支付预定的保费或每月到期的还款金额,而保单内的现金返还价值不足以支付所欠金额或接受保单贷款, 你方保单将按其条款失效.

适用于万能寿险保单, 如果你没有缴付到期的每月还款金额,而交出的现金价值足以支付下一个月所收取的每月扣除费用加上每月还款金额, 每月应缴的还款金额将作为每月扣减费用.  在以下情况下,您的保单将按照其条款进入后期并失效:

  • 你没有支付到期的每月还款金额,如果你的保单没有足够的现金返还价值来支付下月将收取的每月扣除费用加上每月还款金额, or
  • 你支付了每月到期的还款金额,但现金返还价值不足以支付下一个月将收取的每月扣除费.

适用于可变通用人寿保单, 还款总额将记入固定账户,还款总额中任何未付部分不能从固定账户中扣除.  If you do 不 pay the monthly repayment amount due and if the cash surrender value (or net cash value, (如适用)大于每月扣除费用加上下一个月将收取的每月还款金额, then 每月应缴的还款金额将作为每月扣减费用 from the available Fixed Account balance first, 如果这不足以支付应付的金额, 从独立帐户的余额.  在以下情况下,您的保单将按照其条款进入后期并失效:

  • You do 不 pay the monthly repayment amount due and if your policy does 不 have sufficient cash surrender value (or net cash value, if applicable) to cover the Monthly Deduction Charges that will be charged for the following month plus the monthly repayment amount, or
  • You pay the monthly repayment amount due but the cash surrender value (or net cash value, is applicable) is 不 sufficient to cover the Monthly Deduction Charges that will be charged for the following month.

适用于多个保单所有人, any owner(s) that did 不 provide their approval at the time of election have the right to rescind enrollment.


任何在3月24日前签发并支付了第一笔保费的保单, 2020, 这就会失效, 被取消赎回权或在3月24日之间进入宽限期, 2020年至6月23日, 2020: 

财政困难条款和条件- DNL人口一般

您选择了由合乐888登录注册提供的财务困难计划,该计划将防止您的保单失效,如果您不能支付您的保费或每月扣除费用,您的保单到期后的额外90(90)天. As your policy has already been part of the temporary pause on cancellation of policies from March 24, 2020年6月23日, 2020, 这一额外的90天期限从6月24日开始, 2020 and is subject to a 180-day maximum from when your policy first entered the late period.  在此期间,您的保单不会因任何原因失效.

参加这个项目
为了参加这个项目,你必须证明你有经济困难.  这种财务困难的证明可以包括以下任何一种:

  • Proof of job loss, including 不ice of termination or confirmation of unemployment benefits
  • 收入损失证明, 包括工资报表, 纳税申报表, 由律师出具的收入损失证明, 会计, 或税务顾问
  • Proof of illness and/or caretaker status, including medical payments or a physician’s statement

证明财务困难的文件可以上传到下面,或通过传真或电子邮件发送到myinfo@newyorklife发送到合乐888登录注册服务中心.com.

我们鼓励您通过上传或传真的方式发送文件.  我们准备通过电子邮件接收文件, please understand that we have no control over its security while it is in transit to 合乐888登录注册.

Once we have received proof of your financial hardship and determined you are eligible for the program, 您的保单在90天内不会失效.  在这段时间, 您将自动登记参加一个计划,该计划允许您偿还到期的金额,以保持您的保单有效(总还款金额).  您可以在12个月或24个月的期限内无息偿还这笔款项. We will determine the length of 你的偿还期限 以及每月还款金额.  在这12或24个月期间, 你的政策将继续有效, 只要您支付预定的保费(定期和终身保单), 您的现金交还价值(或现金净值), if applicable) is greater than your Monthly Deduction Charges (for Universal Life and Variable Universal Life policies), and you continue to pay your monthly repayment amount as described in the Repayment Plan Terms and 条件.  在你的第一次月供到期之前, 我们将把还款总额寄给您, 你的还款期(12或24个月), 以及每月还款金额. 

还款计划条款及条件

作为财政困难计划的一部分, 您将自动登记参加一个免息还款计划.  这个还款计划让你有能力支付预定的保费, 或者在6月24日开始防止保单失效的保单取消暂停期间到期但未支付的月度扣除费, 从您的保单第一次进入晚期期起,最多180天,加上保证您的保险有效期再延长两个月的金额(总还款金额).  还款计划是这样的 不 include any payments into the Option to Purchase Paid-up Additions (OPP) rider that were 不 paid.  以维持你的合乐8注册登录, 您将需要开始偿还总还款金额,并恢复您的定期还款后,临时暂停您的政策结束.  

还款计划将如何运作
In addition to any future premiums or Monthly Deduction Charges that are due on your policy, 每个月你将被收取相当于总还款金额的十二分之一(或二十四分之一)(每月还款金额).  如果该每月还款金额未在我们发送给您的通知所指明的到期日或之前支付,或您没有足够的现金返还价值(或净现金价值), if applicable) to pay your Monthly Deduction Charges and any portion of the monthly repayment amount, 你方保单将按其条款失效 (please see below for additional details). 你可以选择在任何时候支付超过每月应付的还款金额, 但是你付的钱永远不能少于每月应偿还的金额.  

所支付的任何合乐8注册登录福利将扣除我们所欠的任何金额, 包括到期但未支付的还款总额的任何部分.  到期但未支付的还款总额的任何部分 不能 通过保单的现金返还值或保单贷款访问.  If your policy lapses according to its terms and you elect to reinstate your policy, 根据保单条款,您必须支付所有到期的款项, 包括到期但未支付的还款总额的任何部分.  

如果你不支付应付的还款金额
If you have a term policy and do 不 pay the scheduled premium or the monthly repayment amount due, 你方保单将按其条款失效.  

If you have a whole life policy and do 不 pay the scheduled premiums or the monthly repayment amount due, you may elect to pay the monthly repayment amount from the policy’s cash surrender value or by taking a loan from your policy.  如果您选择从保单的现金退保价值自动支付保费,而保单中有足够的现金退保价值, the monthly repayment amount due will be deducted from your policy’s cash surrender value.  If you have elected to have premiums automatically paid by policy loan and there is sufficient loan value, a policy loan will automatically be taken from your policy to pay the monthly repayment amount due.  If you have 不 previously elected to have premiums paid from the policy’s cash surrender value or by taking an automatic policy loan, your agreement to these terms and conditions allows us to automatically pay the monthly repayment amount due by policy loan.  任何用于支付保费或每月还款金额的保单贷款,将根据保单条款产生利息.  Any loan interest that you do 不 pay when due will be added to the policy’s outstanding principal and will also accrue interest. 保单贷款利息在保单上指定的日期到期. The interest rate will never be more than the maximum loan interest rate stated in your policy. 总未偿还贷款余额, 其中包括应计贷款利息, reduces your policy’s available cash surrender value and any life insurance benefits paid. You can repay all or a part of your total outstanding loan balance at any time while your policy is in effect.  如果你没有支付预定的保费或每月到期的还款金额,而保单内的现金返还价值不足以支付所欠金额或接受保单贷款, 你方保单将按其条款失效.

适用于万能寿险保单, 如果你没有缴付到期的每月还款金额,而交出的现金价值足以支付下一个月所收取的每月扣除费用加上每月还款金额, 每月应缴的还款金额将作为每月扣减费用.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • 你没有支付到期的每月还款金额,如果你的保单没有足够的现金返还价值来支付下月将收取的每月扣除费用加上每月还款金额, or
  • 你支付了每月到期的还款金额,但现金返还价值不足以支付下一个月将收取的每月扣除费.

适用于可变通用人寿保单, 还款总额将记入固定账户,还款总额中任何未付部分不能从固定账户中扣除.  If you do 不 pay the monthly repayment amount due and if the cash surrender value (or net cash value, (如适用)大于每月扣除费用加上下一个月将收取的每月还款金额, then 每月应缴的还款金额将作为每月扣减费用 from the available Fixed Account balance first, 如果这不足以支付应付的金额, 从独立帐户的余额.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • You do 不 pay the monthly repayment amount due and if your policy does 不 have sufficient cash surrender value (or net cash value, if applicable) to cover the Monthly Deduction Charges that will be charged for the following month plus the monthly repayment amount, or
  • You pay the monthly repayment amount due but the cash surrender value (or net cash value, is applicable) is 不 sufficient to cover the Monthly Deduction Charges that will be charged for the following month.

适用于多个保单所有人, any owner(s) that did 不 provide their approval at the time of election have the right to rescind enrollment.

回到顶部


截至6月23日的保单, 或错过保费(终身寿险和定期寿险)或进入6月24日之间的宽限期(通用寿险和可变通用寿险), 2020年12月31日, 2020:

财政困难条款和条件-非DNL人口一般

您选择了由合乐888登录注册提供的财务困难计划,该计划将防止您的保单在90天内无法支付保费或每月扣除费用而失效. 在此期间,您的保单不会因任何原因失效.

参加这个项目
为了参加这个项目,你必须证明你有经济困难.  这种财务困难的证明可以包括以下任何一种:

  • Proof of job loss, including 不ice of termination or confirmation of unemployment benefits
  • 收入损失证明, 包括工资报表, 纳税申报表, 由律师出具的收入损失证明, 会计, 或税务顾问
  • Proof of illness and/or caretaker status, including medical payments or a physician’s statement

证明财务困难的文件可以上传到下面,或通过传真或电子邮件发送到myinfo@newyorklife发送到合乐888登录注册服务中心.com.

我们鼓励您通过上传或传真的方式发送文件.  我们准备通过电子邮件接收文件, please understand that we have no control over its security while it is in transit to 合乐888登录注册.

Once we have received proof of your financial hardship and determined you are eligible for the program, 你方保单的有效期不超过90天.  在这段时间, 您将自动登记参加一个计划,该计划允许您偿还到期的金额,以保持您的保单有效(总还款金额).  您可以在12个月或24个月的期限内无息偿还这笔款项. We will determine the length of 你的偿还期限 以及每月还款金额.  在这12或24个月期间, 你的政策将继续有效, 只要您支付预定的保费(定期和终身保单), 您的现金交还价值(或现金净值), if applicable) is greater than your Monthly Deduction Charges (for Universal Life and Variable Universal Life policies), and you continue to pay your monthly repayment amount as described in the Repayment Plan Terms and 条件.  在你的第一次月供到期之前, 我们将把还款总额寄给您, 你的还款期(12或24个月), 以及每月还款金额. 

还款计划条款及条件

作为财政困难计划的一部分, 您将自动登记参加一个免息还款计划.  这个还款计划让你有能力支付预定的保费, 或在保单取消临时暂停期间到期但未支付的月度扣款(避免保单失效90天),以及保持保单有效期再延长两个月的金额(总还款金额).  还款计划是这样的 不 include any payments into the Option to Purchase Paid-up Additions (OPP) rider that were 不 paid.  以维持你的合乐8注册登录, 你将需要开始偿还总还款金额,并恢复你的定期还款后90天的临时暂停期结束.  

还款计划将如何运作
In addition to any future premiums or Monthly Deduction Charges that are due on your policy, 每个月你将被收取相当于总还款金额的十二分之一(或二十四分之一)(每月还款金额).  如果该每月还款金额未在我们发送给您的通知所指明的到期日或之前支付,或您没有足够的现金返还价值(或净现金价值), if applicable) to pay your Monthly Deduction Charges and any portion of the monthly repayment amount, 你方保单将按其条款失效 (please see below for additional details). 你可以选择在任何时候支付超过每月应付的还款金额, 但是你付的钱永远不能少于每月应偿还的金额.  

所支付的任何合乐8注册登录福利将扣除我们所欠的任何金额, 包括到期但未支付的还款总额的任何部分.  到期但未支付的还款总额的任何部分 不能 通过保单的现金返还值或保单贷款访问.  If your policy lapses according to its terms and you elect to reinstate your policy, 根据保单条款,您必须支付所有到期的款项, 包括到期但未支付的还款总额的任何部分.  

如果你不支付应付的还款金额
If you have a term policy and do 不 pay the scheduled premium or the monthly repayment amount due, 你方保单将按其条款失效.  

If you have a whole life policy and do 不 pay the scheduled premiums or the monthly repayment amount due, you may elect to pay the monthly repayment amount from the policy’s cash surrender value or by taking a loan from your policy.  如果您选择从保单的现金退保价值自动支付保费,而保单中有足够的现金退保价值, the monthly repayment amount due will be deducted from your policy’s cash surrender value.  If you have elected to have premiums automatically paid by policy loan and there is sufficient loan value, a policy loan will automatically be taken from your policy to pay the monthly repayment amount due.  If you have 不 previously elected to have premiums paid from the policy’s cash surrender value or by taking an automatic policy loan, your agreement to these terms and conditions allows us to automatically pay the monthly repayment amount due by policy loan.  任何用于支付保费或每月还款金额的保单贷款,将根据保单条款产生利息.  Any loan interest that you do 不 pay when due will be added to the policy’s outstanding principal and will also accrue interest. 保单贷款利息在保单上指定的日期到期. The interest rate will never be more than the maximum loan interest rate stated in your policy. 总未偿还贷款余额, 其中包括应计贷款利息, reduces your policy’s available cash surrender value and any life insurance benefits paid. You can repay all or a part of your total outstanding loan balance at any time while your policy is in effect.  如果你没有支付预定的保费或每月到期的还款金额,而保单内的现金返还价值不足以支付所欠金额或接受保单贷款, 你方保单将按其条款失效.

适用于万能寿险保单, 如果你没有缴付到期的每月还款金额,而交出的现金价值足以支付下一个月所收取的每月扣除费用加上每月还款金额, 每月应缴的还款金额将作为每月扣减费用.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • 你没有支付到期的每月还款金额,如果你的保单没有足够的现金返还价值来支付下月将收取的每月扣除费用加上每月还款金额, or
  • 你支付了每月到期的还款金额,但现金返还价值不足以支付下一个月将收取的每月扣除费.

适用于可变通用人寿保单, 还款总额将记入固定账户,还款总额中任何未付部分不能从固定账户中扣除.  If you do 不 pay the monthly repayment amount due and if the cash surrender value (or net cash value, (如适用)大于每月扣除费用加上下一个月将收取的每月还款金额, then 每月应缴的还款金额将作为每月扣减费用 from the available Fixed Account balance first, 如果这不足以支付应付的金额, 从独立帐户的余额.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • You do 不 pay the monthly repayment amount due and if your policy does 不 have sufficient cash surrender value (or net cash value, if applicable) to cover the Monthly Deduction Charges that will be charged for the following month plus the monthly repayment amount, or
  • You pay the monthly repayment amount due but the cash surrender value (or net cash value, is applicable) is 不 sufficient to cover the Monthly Deduction Charges that will be charged for the following month.

适用于多个保单所有人, any owner(s) that did 不 provide their approval at the time of election have the right to rescind enrollment.


Any policy that was issued in NY and NJ and had the first premium paid prior to March 24th, 2020, 这就会失效, 被取消赎回权或在3月24日之间进入宽限期, 2020年至6月23日, 2020:

财务困难条款和条件- DNL人口ny / nj

您选择了由合乐888登录注册提供的财务困难计划,该计划将防止您的保单失效,如果您不能支付您的保费或每月扣除费用,您的保单到期后的额外90(90)天. As your policy has already been part of the temporary pause on cancellation of policies from March 24, 2020年6月23日, 2020, 这一额外的90天期限从6月24日开始, 2020 and is subject to a 180-day maximum from when your policy first entered the late period.  在此期间,您的保单不会因任何原因失效.

参加这个项目
一旦我们处理好你的登记, 您的保单在90天内不会失效.  在这段时间, 您将自动登记参加一个计划,该计划允许您偿还到期的金额,以保持您的保单有效(总还款金额).  您可以在12个月或24个月的期限内无息偿还这笔款项. We will determine the length of 你的偿还期限 以及每月还款金额.  在这12或24个月期间, 你的政策将继续有效, 只要您支付预定的保费(定期和终身保单), 您的现金交还价值(或现金净值), if applicable) is greater than your Monthly Deduction Charges (for Universal Life and Variable Universal Life policies), and you continue to pay your monthly repayment amount as described in the Repayment Plan Terms and 条件.  在你的第一次月供到期之前, 我们会将还款总额(12个月或24个月)寄给您, 你的偿还期限, 以及每月还款金额. 

还款计划条款及条件

作为财政困难计划的一部分, 您将自动登记参加一个免息还款计划.  这个还款计划让你有能力支付预定的保费, 或者在6月24日开始防止保单失效的保单取消暂停期间到期但未支付的月度扣除费, 从您的保单第一次进入晚期期起,最多180天,加上保证您的保险有效期再延长两个月的金额(总还款金额).  还款计划是这样的 不 include any payments into the Option to Purchase Paid-up Additions (OPP) rider that were 不 paid.  以维持你的合乐8注册登录, 您将需要开始偿还总还款金额,并恢复您的定期还款后,临时暂停您的政策结束.  

还款计划将如何运作
In addition to any future premiums or Monthly Deduction Charges that are due on your policy, 每个月你将被收取相当于总还款金额的十二分之一(或二十四分之一)(每月还款金额).  如果该每月还款金额未在我们发送给您的通知所指明的到期日或之前支付,或您没有足够的现金返还价值(或净现金价值), if applicable) to pay your Monthly Deduction Charges and any portion of the monthly repayment amount, 你方保单将按其条款失效 (please see below for additional details). 你可以选择在任何时候支付超过每月应付的还款金额, 但是你付的钱永远不能少于每月应偿还的金额.  

所支付的任何合乐8注册登录福利将扣除我们所欠的任何金额, 包括到期但未支付的还款总额的任何部分.  到期但未支付的还款总额的任何部分 不能 通过保单的现金返还值或保单贷款访问.  If your policy lapses according to its terms and you elect to reinstate your policy, 根据保单条款,您必须支付所有到期的款项, 包括到期但未支付的还款总额的任何部分.  

如果你不支付应付的还款金额
If you have a term policy and do 不 pay the scheduled premium or the monthly repayment amount due, 你方保单将按其条款失效.  

If you have a whole life policy and do 不 pay the scheduled premiums or the monthly repayment amount due, you may elect to pay the monthly repayment amount from the policy’s cash surrender value or by taking a loan from your policy.  如果您选择从保单的现金退保价值自动支付保费,而保单中有足够的现金退保价值, the monthly repayment amount due will be deducted from your policy’s cash surrender value.  If you have elected to have premiums automatically paid by policy loan and there is sufficient loan value, a policy loan will automatically be taken from your policy to pay the monthly repayment amount due.  If you have 不 previously elected to have premiums paid from the policy’s cash surrender value or by taking an automatic policy loan, your agreement to these terms and conditions allows us to automatically pay the monthly repayment amount due by policy loan.  任何用于支付保费或每月还款金额的保单贷款,将根据保单条款产生利息.  Any loan interest that you do 不 pay when due will be added to the policy’s outstanding principal and will also accrue interest. 保单贷款利息在保单上指定的日期到期. The interest rate will never be more than the maximum loan interest rate stated in your policy. 总未偿还贷款余额, 其中包括应计贷款利息, reduces your policy’s available cash surrender value and any life insurance benefits paid. You can repay all or a part of your total outstanding loan balance at any time while your policy is in effect.  如果你没有支付预定的保费或每月到期的还款金额,而保单内的现金返还价值不足以支付所欠金额或接受保单贷款, 你方保单将按其条款失效.

适用于万能寿险保单, 如果你没有缴付到期的每月还款金额,而交出的现金价值足以支付下一个月所收取的每月扣除费用加上每月还款金额, 每月应缴的还款金额将作为每月扣减费用.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • 你没有支付到期的每月还款金额,如果你的保单没有足够的现金返还价值来支付下月将收取的每月扣除费用加上每月还款金额, or
  • 你支付了每月到期的还款金额,但现金返还价值不足以支付下一个月将收取的每月扣除费.

适用于可变通用人寿保单, 还款总额将记入固定账户,还款总额中任何未付部分不能从固定账户中扣除.  If you do 不 pay the monthly repayment amount due and if the cash surrender value (or net cash value, (如适用)大于每月扣除费用加上下一个月将收取的每月还款金额, then 每月应缴的还款金额将作为每月扣减费用 from the available Fixed Account balance first, 如果这不足以支付应付的金额, 从独立帐户的余额.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • You do 不 pay the monthly repayment amount due and if your policy does 不 have sufficient cash surrender value (or net cash value, if applicable) to cover the Monthly Deduction Charges that will be charged for the following month plus the monthly repayment amount, or
  • You pay the monthly repayment amount due but the cash surrender value (or net cash value, is applicable) is 不 sufficient to cover the Monthly Deduction Charges that will be charged for the following month.

适用于多个保单所有人, any owner(s) that did 不 provide their approval at the time of election have the right to rescind enrollment.

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在纽约和新泽西签发的保单到6月23日为止付款, 或错过保费(终身寿险和定期寿险)或进入6月24日之间的宽限期(通用寿险和可变通用寿险), 2020年及8月31日, 2020:

财政困难计划条款和条件-非DNL人口纽约州/新泽西州

在这一冠状病毒(COVID-19)爆发的不确定时期, 您选择了由合乐888登录注册提供的财务困难计划,该计划将防止您的保单在90天内无法支付保费或每月扣除费用而失效. 在此期间,您的保单不会因任何原因失效.

参加这个项目
一旦我们处理好你的登记, your policy will 不 lapse for a period of 90 days.  在这段时间, 您将自动登记参加一个计划,该计划允许您偿还到期的金额,以保持您的保单有效(总还款金额).  您可以在12个月或24个月的期限内无息偿还这笔款项. We will determine the length of 你的偿还期限 以及每月还款金额.  在这12或24个月期间, 你的政策将继续有效, 只要您支付预定的保费(定期和终身保单), 您的现金交还价值(或现金净值), if applicable) is greater than your Monthly Deduction Charges (for Universal Life and Variable Universal Life policies), and you continue to pay your monthly repayment amount as described in the Repayment Plan Terms and 条件.  在你的第一次月供到期之前, 我们将把还款总额寄给您, 你的还款期(12或24个月), 以及每月还款金额.

还款计划条款及条件

作为财政困难计划的一部分, 您将自动登记参加一个免息还款计划. 这个还款计划让你有能力支付预定的保费, 或在保单取消临时暂停期间到期但未支付的月度扣款(避免保单失效90天),以及保持保单有效期再延长两个月的金额(总还款金额).  还款计划是这样的 不 include any payments into the Option to Purchase Paid-up Additions (OPP) rider that were 不 paid.  以维持你的合乐8注册登录, 你将需要开始偿还总还款金额,并恢复你的定期还款后90天的临时暂停期结束.  

还款计划将如何运作
In addition to any future premiums or Monthly Deduction Charges that are due on your policy, 每个月你将被收取相当于总还款金额的十二分之一(或二十四分之一)(每月还款金额).  如果该每月还款金额未在我们发送给您的通知所指明的到期日或之前支付,或您没有足够的现金返还价值(或净现金价值), if applicable) to pay your Monthly Deduction Charges and any portion of the monthly repayment amount, 你方保单将按其条款失效 (please see below for additional details). 你可以选择在任何时候支付超过每月应付的还款金额, 但是你付的钱永远不能少于每月应偿还的金额.  

所支付的任何合乐8注册登录福利将扣除我们所欠的任何金额, 包括到期但未支付的还款总额的任何部分.  到期但未支付的还款总额的任何部分 不能 通过保单的现金返还值或保单贷款访问.  If your policy lapses according to its terms and you elect to reinstate your policy, 根据保单条款,您必须支付所有到期的款项, 包括到期但未支付的还款总额的任何部分.  

如果你不支付应付的还款金额
If you have a term policy and do 不 pay the scheduled premium or the monthly repayment amount due, 你方保单将按其条款失效.  

If you have a whole life policy and do 不 pay the scheduled premiums or the monthly repayment amount due, you may elect to pay the monthly repayment amount from the policy’s cash surrender value or by taking a loan from your policy.  如果您选择从保单的现金退保价值自动支付保费,而保单中有足够的现金退保价值, the monthly repayment amount due will be deducted from your policy’s cash surrender value.  If you have elected to have premiums automatically paid by policy loan and there is sufficient loan value, a policy loan will automatically be taken from your policy to pay the monthly repayment amount due.  If you have 不 previously elected to have premiums paid from the policy’s cash surrender value or by taking an automatic policy loan, your agreement to these terms and conditions allows us to automatically pay the monthly repayment amount due by policy loan.  任何用于支付保费或每月还款金额的保单贷款,将根据保单条款产生利息.  Any loan interest that you do 不 pay when due will be added to the policy’s outstanding principal and will also accrue interest. 保单贷款利息在保单上指定的日期到期. The interest rate will never be more than the maximum loan interest rate stated in your policy. 总未偿还贷款余额, 其中包括应计贷款利息, reduces your policy’s available cash surrender value and any life insurance benefits paid. You can repay all or a part of your total outstanding loan balance at any time while your policy is in effect.  如果你没有支付预定的保费或每月到期的还款金额,而保单内的现金返还价值不足以支付所欠金额或接受保单贷款, 你方保单将按其条款失效.

适用于万能寿险保单, 如果你没有缴付到期的每月还款金额,而交出的现金价值足以支付下一个月所收取的每月扣除费用加上每月还款金额, 每月应缴的还款金额将作为每月扣减费用.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • 你没有支付到期的每月还款金额,如果你的保单没有足够的现金返还价值来支付下月将收取的每月扣除费用加上每月还款金额, or
  • 你支付了每月到期的还款金额,但现金返还价值不足以支付下一个月将收取的每月扣除费.

适用于可变通用人寿保单, 还款总额将记入固定账户,还款总额中任何未付部分不能从固定账户中扣除.  If you do 不 pay the monthly repayment amount due and if the cash surrender value (or net cash value, (如适用)大于每月扣除费用加上下一个月将收取的每月还款金额, then 每月应缴的还款金额将作为每月扣减费用 from the available Fixed Account balance first, 如果这不足以支付应付的金额, 从独立帐户的余额.  在以下情况下,您的保单将按照其条款进入后期并失效: 

  • You do 不 pay the monthly repayment amount due and if your policy does 不 have sufficient cash surrender value (or net cash value, if applicable) to cover the Monthly Deduction Charges that will be charged for the following month plus the monthly repayment amount, or
  • You pay the monthly repayment amount due but the cash surrender value (or net cash value, is applicable) is 不 sufficient to cover the Monthly Deduction Charges that will be charged for the following month.

适用于多个保单所有人, any owner(s) that did 不 provide their approval at the time of election have the right to rescind enrollment.

回到顶部