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[null,"投保內容"]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"※ 請確認(體檢保額估算匯率)之匯率為最新公告之數值(每季更新滙率)\"","v":"※ 請確認(體檢保額估算匯率)之匯率為最新公告之數值(每季更新滙率)"}]
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[]
[null,null,"繳別","年繳","首/續期繳費方式　",null,"匯款或自動轉帳"]
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[null,null,null,null,null,null,null,"繳費年期",null,"投保金額/單位/計劃",null,"每期原始保費",null,"高保費折扣後保費",null,null,null,null,"高保費折扣級距"]
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[null,null,"附約",{"$f":"BNLTRU1商品名稱","v":"保誠人壽美滿人生美元定期壽險附約"},null,null,{"$f":"BNLTRU1商品代碼","v":"BNLTRU1"},null," 年期",null,{"$f":"\" \"&\"元\"","v":" 元"},{"$f":"IF(總檢核,IF(BNLTRU1檢核,IF(OR(BNLTRU1附約保額=\"\",BNLTRU1附約保額=0),0,ROUND(BNLTRU1_首期表定保費,個別險種進位數)),0),0)","v":0},{"$f":"\" \"&\"元\"","v":" 元"}]
[]
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[]
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[]
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[]
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[null,"分期定期給付"]
[]
[null,null,"指定保險金比例",null,100," %","分期定期保險金給付期間",null,null,10," 年",{"$f":"IF(資料檢核!G62<>1,資料檢核!H62,\"\")&IF(資料檢核!G63<>1,資料檢核!H63,\"\")","v":""}]
[]
[]
[null,"分期定額給付"]
[]
[null,null,"指定保險金比例",null,100,{"$f":"\" \"&\"%\"","v":" %"},"分期定額保險金",null,null,5000,{"$f":"\" \"&\"元\"","v":" 元"},{"$f":"INDEX(資料檢核!L62:L64,資料檢核!K62)","v":""}]
[]
[]
[null,"※本商品為終身壽險，給付項目無生存保險金或年金給付，且任何保單年度之減少保險金額，均會減少保單保障、解約金及紅利，建議必須依照自身財務及保障需求妥適規劃。\n※詳情可參閱減少保險金額影響表"]
[null,"※減額後的「基本保險金額」，不得低於本保險最低承保金額！"]
[null,"定額提領(減少保險金額)"]
[null,null,null,{"$f":"\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\"","v":"建議提領試算年齡須至少大於投保年齡加6歲！"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(ISERROR(MATCH(0,提領後基本保額金額表,0)),\"\",IF(MATCH(0,提領後基本保額金額表,0)<BPP,\"提醒，依此方式提領，基本保險金額將於保險契約有效期間內歸零\",\"\")),\"\")","v":""}]
[null,null,"年齡一",null,{"$f":"\" \"&\"歲起\"","v":" 歲起"},null,null,"每年提領金額　",null,null,{"$f":"\" \"&幣別","v":" 美元"}]
[null,null,null,null,{"$f":"IF(資料檢核!C68<>1,資料檢核!D68,\"\")","v":""}]
[null,null,"年齡二",null,{"$f":"\" \"&\"歲起\"","v":" 歲起"},null,null,"每年提領金額　",null,null,{"$f":"\" \"&幣別","v":" 美元"}]
[null,null,null,null,{"$f":"IF(資料檢核!C69<>1,資料檢核!D69,\"\")","v":""}]
[null,null,"年齡三",null,{"$f":"\" \"&\"歲起\"","v":" 歲起"},null,null,"每年提領金額　",null,null,{"$f":"\" \"&幣別","v":" 美元"}]
[null,null,null,null,{"$f":"IF(資料檢核!C70<>1,資料檢核!D70,\"\")","v":""}]
[]
[null,"額外一次提領(減少保險金額)"]
[null,null,null,{"$f":"\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\"","v":"建議提領試算年齡須至少大於投保年齡加6歲！"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(ISERROR(MATCH(0,提領後基本保額金額表,0)),\"\",IF(MATCH(0,提領後基本保額金額表,0)<BPP,\"提醒，依此方式提領，基本保險金額將於保險契約有效期間內歸零\",\"\")),\"\")","v":""}]
[null,null,"年齡一",null,{"$f":"\" \"&\"歲\"","v":" 歲"},null,null,"當年提領金額　",null,null,{"$f":"\" \"&幣別","v":" 美元"}]
[null,null,null,null,{"$f":"IF(資料檢核!G68<>1,資料檢核!H68,\"\")","v":""}]
[null,null,"年齡二",null,{"$f":"\" \"&\"歲\"","v":" 歲"},null,null,"當年提領金額　",null,null,{"$f":"\" \"&幣別","v":" 美元"}]
[null,null,null,null,{"$f":"IF(資料檢核!G69<>1,資料檢核!H69,\"\")","v":""}]
[null,null,"年齡三",null,{"$f":"\" \"&\"歲\"","v":" 歲"},null,null,"當年提領金額　",null,null,{"$f":"\" \"&幣別","v":" 美元"}]
[null,null,null,null,{"$f":"IF(資料檢核!G70<>1,資料檢核!H70,\"\")","v":""}]
[]
[null,"簡易投保規則",null,"【詳細說明請詳業務手冊之相關投保規則】"]
[null,{"$f":"\"\n【ARLPLU42－保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)】\"&IF(主約繳費年期=6,\"\n    投保年齡：0～75歲\",\"\n    投保年齡：0～75歲\")&\"\n    投保限額：10,000～250萬美元(以美元/元為投保單位)\n    適用高保費折扣：《年繳化保費1萬美元(含)以上》0.5% /《年繳化保費1.5萬美元(含)以上》1.0% /《年繳化保費2萬元(含)以上》1.5%\n    適用指定金融機構帳戶自動轉帳、匯款折扣\n    需檢附經保戶簽名之建議書及審閱期間確認聲明書\n    本商品屬於外國帳戶稅收遵從法(FATCA)及金融機構執行共同申報及盡職審查作業(CRS)適用商品\"","v":"\n【ARLPLU42－保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)】\n    投保年齡：0～75歲\n    投保限額：10,000～250萬美元(以美元/元為投保單位)\n    適用高保費折扣：《年繳化保費1萬美元(含)以上》0.5% /《年繳化保費1.5萬美元(含)以上》1.0% /《年繳化保費2萬元(含)以上》1.5%\n    適用指定金融機構帳戶自動轉帳、匯款折扣\n    需檢附經保戶簽名之建議書及審閱期間確認聲明書\n    本商品屬於外國帳戶稅收遵從法(FATCA)及金融機構執行共同申報及盡職審查作業(CRS)適用商品"}]
[]
[]
[]
[]
[]
[]
[null,"【BNLTRU1 - 保誠人壽美滿人生美元定期壽險附約】\n　投保年齡：《6/10/15年期》15足～65歲 /《20年期》15足～60歲\n　投保限額：1萬～100萬美元(以美元/仟元為單位，且以該保單壽險主約保額之5倍為限)\n\n【ADDNTR2 - 保誠人壽特安心一年期特定傷病美元健康保險附約】\n　投保年齡：0～70歲\n　投保限額：1萬～3萬美元(以美元/萬元為單位)\n\n【BWPNTR1 - 保誠人壽豁元甲美元豁免保險費保險附約】※要保人與被保險人為不同人時附加\n　投保年齡：《6/10/15年期》15足～60歲 /《20年期》15足～55歲\n\n【BWPNTR2 - 保誠人壽豁元乙美元豁免保險費健康保險附約】※要保人與被保險人為同一人時附加\n　投保年齡：《6/10/15年期》15足～60歲 /《20年期》15足～55歲\n\n【CWPNTR3 - 保誠人壽美滿美元豁免保險費保險附約甲型】※要保人與被保險人為不同人時附加\n　投保年齡：《3年期》15足～73歲 /《6年期》15足～70歲 /《8年期》15足～68歲 /《10年期》15足～66歲 /《12年期》15足～64歲 /《15年期》15足～61歲 /《20年期》15足～56歲\n\n【CWPNTR4 - 保誠人壽美滿美元豁免保險費健康保險附約乙型】※要保人與被保險人為同一人時附加\n　投保年齡：《3年期》0～73歲 /《6年期》0～70歲 /《8年期》0～68歲 /《10年期》0～66歲 /《12年期》0～64歲 /《15年期》0～61歲 /《20年期》0～56歲"]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,"被保人群組"]
[null,null,null,"生日檢核",{"$f":"資料檢核!G7","v":1}]
[null,null,null,"姓名檢核",{"$f":"資料檢核!G13","v":1}]
[null,null,null,"性別檢核",{"$f":"資料檢核!G14","v":1}]
[null,null,null,"保額/保費檢核",{"$f":"資料檢核!C18","v":1}]
[null,null,null,"職業等級檢核",{"$f":"資料檢核!G21","v":1}]
[]
[null,null,null,"要保人群組"]
[null,null,null,"生日檢核",{"$f":"資料檢核!C7","v":1}]
[null,null,null,"姓名檢核",{"$f":"資料檢核!C13","v":1}]
[null,null,null,"性別檢核",{"$f":"資料檢核!C14","v":1}]
[null,null,null,"身份辨識",{"$f":"資料檢核!C15","v":1}]
[]
[null,null,null,"繳款人群組"]
[null,null,null,"生日檢核",{"$f":"資料檢核!K7","v":1}]
[null,null,null,"姓名檢核",{"$f":"資料檢核!K13","v":1}]
[null,null,null,"身份辨識",{"$f":"資料檢核!K14","v":1}]
[]
[null,null,null,"分期保險金檢核"]
[null,null,null,"保險金比例",{"$f":"資料檢核!G63","v":1}]
[null,null,null,"分期金額/期間",{"$f":"資料檢核!G62","v":1}]
[]
[null,null,null,"定額保險金檢核"]
[null,null,null,"保額限制",{"$f":"資料檢核!K63","v":1}]
[null,null,null,"保險金比例",{"$f":"資料檢核!K64","v":1}]
[]
[null,null,null,"定額提領"]
[null,null,null,"年齡一",{"$f":"資料檢核!C68","v":1}]
[null,null,null,"年齡二",{"$f":"資料檢核!C69","v":1}]
[null,null,null,"年齡三",{"$f":"資料檢核!C70","v":1}]
[]
[null,null,null,"額外提領"]
[null,null,null,"年齡一",{"$f":"資料檢核!G68","v":1}]
[null,null,null,"年齡二",{"$f":"資料檢核!G69","v":1}]
[null,null,null,"年齡三",{"$f":"資料檢核!G70","v":1}]
[]
[null,null,null,"其他"]
[null,null,null,"繳別輸入",{"$f":"資料檢核!G19","v":1}]
[null,null,null,"計算方式輸入",{"$f":"資料檢核!G20","v":1}]
[null,null,null,"首期繳費方式",{"$f":"資料檢核!G22","v":1}]
[null,null,null,"續期繳費方式",{"$f":"資料檢核!G23","v":1}]
[null,null,null,"繳費年期輸入",{"$f":"資料檢核!G24","v":1}]
[null,null,null,"體檢匯率輸入",{"$f":"資料檢核!G25","v":1}]
[]
[null,null,null,"BNLTRU1"]
[null,null,null,"保額檢核",{"$f":"資料檢核!C29","v":1}]
[null,null,null,"年期檢核",{"$f":"資料檢核!C33","v":1}]
[null,null,null,"空白檢核",{"$f":"資料檢核!C34","v":1}]
[]
[null,null,null,"ADDNTR2"]
[null,null,null,"保額檢核",{"$f":"資料檢核!G29","v":1}]
[]
[null,null,null,"豁免"]
[null,null,null,"豁免一檢核",{"$f":"資料檢核!K30","v":1}]
[null,null,null,"豁免二檢核",{"$f":"資料檢核!K31","v":1}]
[null,null,null,"豁免一規則檢核",{"$f":"資料檢核!K32","v":1}]
[null,null,null,"豁免二規則檢核",{"$f":"資料檢核!K33","v":1}]
[null,null,null,"豁免擇一檢核",{"$f":"資料檢核!K34","v":1}]
[null,null,null,"反灰檢核一",{"$f":"資料檢核!K35","v":1}]
[null,null,null,"反灰檢核二",{"$f":"資料檢核!K36","v":1}]
[]
[null,null,null,"體檢保額"]
[null,null,null,"檢核",{"$f":"資料檢核!C42","v":1}]
[]
[null,null,null,"15足歲以下"]
[null,null,null,"檢核",{"$f":"資料檢核!C61","v":1}]

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[]
[null,"附約對照","條款說明","序號"]
[null,"壽險_附約","說明商品重要條款內容、除外責任(壽險附約)",8]
[null,"健康險_附約","說明商品重要條款內容、除外責任(健康險附約)",7]
[null,"特定傷害險_附約","說明商品重要條款內容、除外責任(特定傷病險附約)",6]
[null,"癌症險_附約","說明商品重要條款內容、除外責任(癌症險附約)",5]
[null,"失能險_附約","說明商品重要條款內容、除外責任(失能險附約)",4]
[null,"長照險_附約","說明商品重要條款內容、除外責任(長照險附約)",3]
[null,"傷害險_附約","說明商品重要條款內容、除外責任(傷害險附約)",2]
[null,"豁免_附約","說明商品重要條款內容、除外責任(豁免險附約)",1]
[]
[]
[]
[]
["序號","No","名稱","類別","項目名稱","話術","話術"]
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[]
[]
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[{"$f":"IFERROR(IF(LARGE($A$16:$A$19,3)=0,\"\",LARGE($A$16:$A$19,3)),\"\")","v":""},{"$f":"IF(ISNA(VLOOKUP(A24,$A$16:$F$19,5,FALSE)),\"\",VLOOKUP(A24,$A$16:$F$19,5,FALSE))","v":""},{"$f":"IF(ISNA(VLOOKUP(A24,$A$16:$F$19,6,FALSE)),\"\",VLOOKUP(A24,$A$16:$F$19,6,FALSE))","v":""}]
[{"$f":"IFERROR(IF(LARGE($A$16:$A$19,4)=0,\"\",LARGE($A$16:$A$19,4)),\"\")","v":""},{"$f":"IF(ISNA(VLOOKUP(A25,$A$16:$F$19,5,FALSE)),\"\",VLOOKUP(A25,$A$16:$F$19,5,FALSE))","v":""},{"$f":"IF(ISNA(VLOOKUP(A25,$A$16:$F$19,6,FALSE)),\"\",VLOOKUP(A25,$A$16:$F$19,6,FALSE))","v":""}]

{"sheet":"錄音對象切換","index":2,"n_rows":1,"n_cols":2,"rows_kept":1,"cut":false,"hidden":true,"merged":[]}
["錄音對象為一人高齡，所有客戶皆需錄音","N"]

{"sheet":"錄音話術範本","index":3,"n_rows":26,"n_cols":12,"rows_kept":26,"cut":false,"hidden":false,"merged":[[15,3,15,11],[0,1,0,11],[2,1,4,11],[6,1,6,11],[7,3,7,11],[8,1,9,1],[8,2,9,2],[8,3,8,11],[9,3,9,11],[5,1,5,3],[5,5,5,6],[10,1,12,1],[10,2,12,2],[10,3,11,11],[12,3,12,11],[13,3,14,11],[25,1,25,11],[16,3,16,11],[17,3,17,11],[18,3,18,11],[19,3,19,11],[20,3,20,11],[21,3,21,11],[22,3,22,11],[23,1,24,1],[23,2,24,2],[23,3,23,11],[24,3,24,11]]}
[null,"保誠人壽銷售錄音範本20250101版"]
[null,{"$f":"'B2_錄音程序&共同文字'!B2","v":"準備錄音話術"},"ð",{"$f":"'B2_錄音程序&共同文字'!B3","v":"撥打錄音專線0809-070-898"},"ð",{"$f":"'B2_錄音程序&共同文字'!B4","v":"輸入要保人或錄音客戶ID後9碼或居留證後8碼加「#」"},"ð",{"$f":"'B2_錄音程序&共同文字'!B5","v":"嘟一聲後，開始宣讀錄音內容"},"ð",{"$f":"'B2_錄音程序&共同文字'!B6","v":"錄音完成，按#字鍵"},"ð",{"$f":"'B2_錄音程序&共同文字'!B7","v":"重聽留言按1，結束按3。"}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IFERROR(IF(FIND(\"兆豐\",服務公司),錄音前作業提醒_開頭語_兆豐版,錄音前作業提醒_開頭語),錄音前作業提醒_開頭語),\"\")","v":""}]
[]
[]
[null,"回到繳款人錄音話術範本",null,null,null,"回到資料輸入頁面"]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"要保人/被保險人高齡錄音話術範本\",\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"序號\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"項目\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"銷售人員與要保人/被保險人錄音說明內容\",\"\")","v":""}]
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[null,null,null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,\"\",'B2_錄音程序&共同文字'!C10),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),2,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"告知繳費年期與繳費金額\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,D1_高齡錄音資料檢核!D16,IFERROR(IF(FIND(\"花旗\",服務公司),錄音序號2_開頭語_花旗版),錄音序號2_開頭語)),\"\")","v":""}]
[]
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[]
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[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(C18=\"\",\"\",5),\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),B6_解約金附約ePOS調整!B23,\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,\"\",B6_解約金附約ePOS調整!C23),\"\")","v":""}]
[null,{"$f":"IF(C19=\"\",\"\",B18+1)","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),B6_解約金附約ePOS調整!B24,\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,\"\",B6_解約金附約ePOS調整!C24),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),MAX(B9:B19)+1,\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),\"說明保單相關風險_解約金商品_解約風險\",\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,D1_高齡錄音資料檢核!D16,IFERROR(IF(FIND(\"花旗（台灣）\",服務公司),錄音序號4_開頭語_花旗版),IFERROR(IF(FIND(\"第一\",服務公司),錄音序號4_開頭語_一銀版),IFERROR(IF(FIND(\"台新\",服務公司),錄音序號4_開頭語_台新版),錄音序號4_開頭語)))),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(C21=\"\",\"\",MAX(B$8:B20)+1),\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D21=\"\",\"\",\"說明保單相關風險_解約金商品_分紅非保證\"),\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,\"\",SUBSTITUTE(IF(OR(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"C\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"R\"),分紅風險ePOS,\"\")&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"H\",綜合險分紅ePOS,\"\")&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"I\",綜合險分紅_傷害ePOS,\"\")&IF(OR(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"C1\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"R1\"),分紅風險ePOS1,\"\"),\"\",\"\")),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(C22=\"\",\"\",MAX(B$8:B21)+1),\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D22=\"\",\"\",\"說明保單相關風險_解約金商品_匯率風險\"),\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,\"\",SUBSTITUTE(IF(幣別=\"新臺幣\",\"\",匯率風險ePOS),\"\",\"\")),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),MAX(B8:B22)+1,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"契撤期說明\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,D1_高齡錄音資料檢核!D16,錄音序號5_開頭語),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),B23+1,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"要保人/被保險人聲明\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,D1_高齡錄音資料檢核!D16,'B2_錄音程序&共同文字'!B15),\"\")","v":""}]
[null,null,null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C16=4,\"\",錄音序號6_結尾語),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),錄音後作業提醒&瘖啞人士注意事項,\"\")","v":""}]

{"sheet":"錄音話術範本-繳款人","index":4,"n_rows":25,"n_cols":12,"rows_kept":25,"cut":false,"hidden":false,"merged":[[0,1,0,11],[2,1,4,11],[6,1,6,11],[7,3,7,11],[8,1,9,1],[8,2,9,2],[8,3,8,11],[9,3,9,11],[5,1,5,3],[5,5,5,6],[21,3,21,11],[10,1,12,1],[10,2,12,2],[10,3,11,11],[12,3,12,11],[13,3,14,11],[15,3,15,11],[16,3,16,11],[17,3,17,11],[18,3,18,11],[19,3,19,11],[20,3,20,11],[22,1,23,1],[22,2,23,2],[22,3,22,11],[23,3,23,11],[24,1,24,11]]}
[null,"保誠人壽銷售錄音範本20250101版"]
[null,{"$f":"'B2_錄音程序&共同文字'!B2","v":"準備錄音話術"},"ð",{"$f":"'B2_錄音程序&共同文字'!B3","v":"撥打錄音專線0809-070-898"},"ð",{"$f":"'B2_錄音程序&共同文字'!B4","v":"輸入要保人或錄音客戶ID後9碼或居留證後8碼加「#」"},"ð",{"$f":"'B2_錄音程序&共同文字'!B5","v":"嘟一聲後，開始宣讀錄音內容"},"ð",{"$f":"'B2_錄音程序&共同文字'!B6","v":"錄音完成，按#字鍵"},"ð",{"$f":"'B2_錄音程序&共同文字'!B7","v":"重聽留言按1，結束按3。"}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IFERROR(IF(FIND(\"兆豐\",服務公司),錄音前作業提醒_開頭語_兆豐版_繳款人,錄音前作業提醒_開頭語_繳款人),錄音前作業提醒_開頭語_繳款人),\"\")","v":""}]
[]
[]
[null,"回到要/被保人錄音話術範本",null,null,null,"回到資料輸入頁面"]
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[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),1,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"取得繳款人同意錄音及說明係購買保險商品\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,D1_高齡錄音資料檢核!D18,錄音序號1_開頭語_繳款人),\"\")","v":""}]
[null,null,null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,\"\",錄音序號1_結尾語_繳款人),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),2,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"告知繳費年期與繳費金額\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,D1_高齡錄音資料檢核!D18,IFERROR(IF(FIND(\"花旗\",服務公司),錄音序號2_開頭語_花旗版_繳款人),錄音序號2_開頭語_繳款人)),\"\")","v":""}]
[]
[null,null,null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,\"\",錄音序號2_結尾語_繳款人),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),3,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"說明商品重要條款內容、除外責任、建議書內容\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),錄音序號3組合版繳款人,\"\")","v":""}]
[]
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[null,{"$f":"IF(C19=\"\",\"\",B18+1)","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(繳款人話術稿判斷=2,\"\",B6_解約金附約ePOS調整!J24),\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,\"\",B6_解約金附約ePOS調整!K24),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),MAX(B9:B19)+1,\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),\"說明保單相關風險_解約金商品_解約風險\",\"\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,D1_高齡錄音資料檢核!D18,IFERROR(IF(FIND(\"花旗（台灣）\",服務公司),錄音序號4_開頭語_花旗版_繳款人),IFERROR(IF(FIND(\"第一\",服務公司),錄音序號4_開頭語_一銀版_繳款人),IFERROR(IF(FIND(\"台新\",服務公司),錄音序號4_開頭語_台新版_繳款人),錄音序號4_開頭語_繳款人)))),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(C21=\"\",\"\",MAX(B$8:B20)+1),\"\")","v":""},{"$f":"IF(D21=\"\",\"\",\"說明保單相關風險_解約金商品_分紅非保證\")","v":""},{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,\"\",SUBSTITUTE(IF(OR(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"C\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"R\"),分紅風險_繳款人,\"\")&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"H\",綜合險分紅_繳款人,\"\")&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"I\",綜合險分紅_傷害_繳款人,\"\")&IF(OR(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"C1\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:K,9,0)=\"R1\"),分紅風險_繳款人1,\"\"),\"\",\"\")),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),MAX(B8:B21)+1,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"契撤期說明\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,D1_高齡錄音資料檢核!D18,錄音序號5_開頭語_繳款人),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡話術檢核,補充資訊檢核=1),B22+1,\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),\"繳款人聲明\",\"\")","v":""},{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,D1_高齡錄音資料檢核!D18,錄音序號6_開頭語_繳款人),\"\")","v":""}]
[null,null,null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),IF(D1_高齡錄音資料檢核!C17=2,\"\",錄音序號6_結尾語_繳款人),\"\")","v":""}]
[null,{"$f":"IF(AND(高齡錄音檢核,補充資訊檢核=1),錄音後作業提醒&瘖啞人士注意事項_繳款人,\"\")","v":""}]

{"sheet":"B1_解約金商品錄音話術table","index":5,"n_rows":101,"n_cols":35,"rows_kept":101,"cut":false,"hidden":true,"merged":[]}
["CRTABLE","商品名稱","TODATE","商品英文簡稱","LONGDESC","商品幣別","商品類型","主附約別","解約金","分紅類型","錄音序號1_錄音取得要保人同意錄音及說明係購買保險商品","錄音序號2_告知繳費年期與繳費金額","錄音序號3_說明商品重要條款、除外責任、商品說明書內容","錄音序號4_說明保單相關風險","錄音序號5_契撤期說明","錄音序號6_要保人聲明","投保年齡限制","單位數","保障年期","TW720_FATCA","補充話術","錄音序號3_兆豐版","錄音序號3_一銀版","花旗/星展","TYPE","附約類型","給付項目","除外責任","除外責任_繳款人","給付項目-兆豐版","除外責任-兆豐版","除外責任_繳款人-兆豐版","保單利益一銀","除外責任一銀","除外責任_繳款人一銀"]
["EHA1","保誠人壽 e 保庇健康保險","9999-12-31","AMRNTB1","一年期醫療險","NT$","健康險-主約","M",null,null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡50歲",null,null,null,null,null,"NL",""]
["2914","保誠人壽安康保終身健康保險","9999-12-31","BDDNLB1","重大疾病險","NT$","健康險-主約","M","N",null,null,null,"",null,null,null,null,"元","至被保險人保險年齡達99歲當年之保單週年日","O",null,null,null,null,"NL",""]
["2803","保誠人壽長照216長期照顧終身健康保險","9999-12-31","ALTRLB1","ALTRLB1","NT$","健康險-主約","M","N",null,null,null,"",null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","O",null,null,null,null,"NL",""]
["2061","保誠人壽倍感安心終身醫療健康保險","9999-12-31","AHIRLB1","AHIRLB1","NT$","健康險-主約","M","N",null,null,null,"",null,null,null,null,"計畫","至被保險人保險年齡達100歲當年之保單週年日","I",null,null,null,null,"NL",""]
["2773","保誠人壽誠心防癌2.0健康保險","9999-12-31","ACCRTB1","ACCRTB1","NT$","健康險-主約","M","N",null,null,null,"",null,null,null,null,"元","至被保險人保險年齡達75歲當年之保單週年日","O",null,null,null,null,"NL",""]
["ADR1","保誠人壽一年定期重大疾病健康保險附約 ( 乙型 )","9999-12-31","ADDNTR1","ADDNTR1","NT$","健康險-附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","特定傷病_附約"]
["HIRB","保誠人壽宜家保醫療健康保險附約","9999-12-31","AHINTR1","AHINTR1","NT$","健康險-附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","健康險_附約"]
["NHS1","保誠人壽新住院醫療限額給付健康保險附約 (108)","9999-12-31","AMRNTR1","AMRNTR1","NT$","健康險-附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","健康險_附約"]
["EAB1","保誠人壽 e 騎幸福意外傷害保險","9999-12-31","APANTB9","APANTB9","NT$","意外險-主約","M",null,null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡75歲",null,null,null,null,null,"NL",""]
["VPA5","保誠人壽一三五人身傷害保險","9999-12-31","CVPA","CVPA","NT$","意外險-主約","M","N",null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡80歲","O",null,null,null,null,"NL",""]
["EAD1","保誠人壽平安御守意外傷害保險","9999-12-31","APANTB11","APANTB11","NT$","意外險-主約","M",null,null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡75歲",null,null,null,null,null,"NL",""]
["EAE1","保誠人壽平安護守意外傷害保險","9999-12-31","APANTB4","APANTB4","NT$","意外險-主約","M",null,null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡75歲",null,null,null,null,null,"NL",""]
["EAC1","保誠人壽阿里叭叭意外傷害保險","9999-12-31","APANTB10","APANTB10","NT$","意外險-主約","M",null,null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡75歲",null,null,null,null,null,"NL",""]
["IPC3","保誠人壽無微不至集體投保微型傷害保險","9999-12-31","APANTB2","IPC3","NT$","意外險-主約","M","N",null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡70歲","O",null,null,null,null,"NL",""]
["EAA1","保誠人壽嗶嗶守護意外傷害保險","9999-12-31","APANTB8","APANTB8","NT$","意外險-主約","M",null,null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡75歲",null,null,null,null,null,"NL",""]
["ML03","保誠人壽人身意外傷害住院醫療定額給付附加條款","9999-12-31","ML03","ML03","NT$","意外險-附加條款","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","傷害險_附約"]
["MT04","保誠人壽傷害醫療保險給付附加條款","9999-12-31","MT04","MT04","NT$","意外險-附加條款","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","傷害險_附約"]
["ERB1","保誠人壽 e 騎幸福意外傷害保險附約","9999-12-31","APANTR3","APANTR3","NT$","意外險-附約","R",null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,"","傷害險_附約"]
["PAA5","保誠人壽人身意外傷害保險附約","9999-12-31","CPAA","CPAA","NT$","意外險-附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","傷害險_附約"]
["PAF4","保誠人壽火災暨陸海大眾運輸工具意外傷害保險附約","9999-12-31","BPAFS","PAF4","NT$","意外險-附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","傷害險_附約"]
["ERD1","保誠人壽卡達安心意外傷害保險附約","9999-12-31","APANTR5","APANTR5","NT$","意外險-附約","R",null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,"","傷害險_附約"]
["ERC1","保誠人壽阿里叭叭意外傷害保險附約","9999-12-31","APANTR4","APANTR4","NT$","意外險-附約","R",null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,"","傷害險_附約"]
["ERA1","保誠人壽嗶嗶守護意外傷害保險附約","9999-12-31","APANTR2","APANTR2","NT$","意外險-附約","R",null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,"","傷害險_附約"]
["NTRF","保誠人壽一年定期壽險","9999-12-31","ANLTLN5","ANLTLN5","NT$","壽險-主約","M",null,null,null,null,"",null,null,null,null,"元","1年，可續保至被保險人保險年齡75歲",null,null,null,null,null,"NL",""]
["EPA1","保誠人壽 E 保倍意外傷害保險","9999-12-31","APANTB3","APANTB3","NT$",null,"M","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"NL","傷害險_附約"]
["IPA5","保誠人壽人身意外傷害保險","9999-12-31","CIPA","CIPA","NT$",null,"M","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"NL","傷害險_附約"]
["ML13","保誠人壽人身意外傷害住院醫療定額給付附加條款","9999-12-31","ML13","ML13","NT$",null,"R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","傷害險_附約"]
["UCC2","保誠人壽一年定期防癌帳戶型健康保險附約","9999-12-31","AUCCR1","一年定期防癌健康帳戶型附約","NT$",null,"R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","健康險_附約"]
["UCR3","保誠人壽一年定期癌症醫療帳戶型健康保險附約","9999-12-31","CUCR","一年定期癌症醫療帳戶型附約","NT$",null,"R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","健康險_附約"]
["UHI6","保誠人壽新一年定期住院醫療帳戶型健康保險附約","9999-12-31","AUNHI","新一年定期住院醫療帳戶型附約","NT$",null,"R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","健康險_附約"]
["UML4","人身意外傷害住院醫療定額保險給付附加條款","9999-12-31","CUML","意外傷害住院醫療定額附加條款","NT$",null,"R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","健康險_附約"]
["UMT4","人身意外傷害醫療保險給付附加條款","9999-12-31","CUMT","意外傷害醫療保險附加條款","NT$",null,"R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","健康險_附約"]
["UPA5","保誠人壽一年定期意外傷害帳戶型保險附約","9999-12-31","DUPAR","一年定期意外傷害帳戶型附約","NT$",null,"R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"","傷害險_附約"]
["UWC2","保誠人壽一年定期安家豁免保險費帳戶型保險附約","9999-12-31",{"$error":"#N/A"},"一年定期安家豁免保險費附約","NT$","豁免_附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"",{"$f":"G35","v":"豁免_附約"}]
["UWR7","保誠人壽一年定期豁免保險費帳戶型保險附約","9999-12-31","EUWPR","一年定期豁免帳戶型附約","NT$","豁免_附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"",{"$f":"G36","v":"豁免_附約"}]
["UWR8","保誠人壽一年定期豁免保險費帳戶型保險附約 (106)","9999-12-31","FUWPR","一年定期豁免帳戶型附約","NT$","豁免_附約","R","N",null,null,null,"",null,null,null,null,null,null,"O",null,null,null,null,"",{"$f":"G37","v":"豁免_附約"}]
["CAR1","保誠人壽標靶守護防癌健康保險附約","9999-12-31","ACCNTR2","一年期癌症險","NT$","健康險-主約","R",null,null,null,null,"",null,null,null,null,null,null,null,null,null,null,null,"","健康險_附約"]
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["WPE3","保誠人壽豁元甲美元豁免保險費保險附約","9999-12-31","AWPNTR1","AWPNTR1","USD","豁免_附約","R","Y",null,null,null,{"$f":"AA43&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB43&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"606年、10年、15年：15足歲~60歲\n20年：15足歲~55歲","元",null,"I",null,{"$error":"#N/A"},{"$f":"AG43&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH43&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"","豁免_附約","您所附加的保誠人壽豁元甲美元豁免保險費保險附約的給付項目，包含：\n一、身故豁免保險費、\n二、完全失能豁免保險費、\n三、二至六級失能豁免保險費、\n四、重大疾病豁免保險費\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n本附約被保險人故意、犯罪、酒駕行為或非法施用毒品而致被保險人重大疾病。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","您所附加的保誠人壽豁元甲美元豁免保險費保險附約的除外責任，包括：\n本附約被保險人故意、犯罪、酒駕行為或非法施用毒品而致被保險人重大疾病。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽豁元甲美元豁免保險費保險附約的給付項目，包含：\n一、身故豁免保險費、\n二、完全失能豁免保險費、\n三、二至六級失能豁免保險費、\n四、重大疾病豁免保險費\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致的重大疾病，保險公司將不負豁免保險費。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致的重大疾病，保險公司將不負豁免保險費。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽豁元甲美元豁免保險費保險附約的保單利益，包含：\n一、身故豁免保險費、\n二、完全失能豁免保險費、\n三、二至六級失能豁免保險費、\n四、重大疾病豁免保險費\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，\n","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致的重大疾病，保險公司將不負豁免保險費。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致的重大疾病，保險公司將不負豁免保險費。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["WPDA","保誠人壽關心豁免保險費附約(96)","9999-12-31","HWPD","HWPD","NT$","豁免_附約","R","Y",null,null,null,{"$f":"AA44&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB44&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"14足歲∼55歲","元",null,"I",null,{"$error":"#N/A"},{"$f":"AG44&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH44&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"","豁免_附約","您所附加的保誠人壽關心豁免保險費附約(96)的給付項目，包含：\n一、特定傷病豁免保險費、\n\u001e以上給付條件載明在保單條款中，","本商品除外責任，包括：\n本附約被保險人故意、犯罪、酒駕行為或非法施用毒品而致被保險人特定傷病。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","您所附加的保誠人壽關心豁免保險費附約(96)的除外責任，包括：\n本附約被保險人故意、犯罪、酒駕行為或非法施用毒品而致被保險人特定傷病。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽關心豁免保險費附約  (96)的給付項目，包含：\n一、特定傷病豁免保險費、\n\u001e以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致特定傷病，保險公司不負豁免保險費的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致特定傷病，保險公司不負豁免保險費的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽關心豁免保險費附約  (96)的保單利益，包含：\n一、特定傷病豁免保險費、\n\u001e給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致特定傷病，保險公司不負豁免保險費的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、本附約被保險人故意、犯罪、酒駕行為或非法施用毒品。\n因除外責任所致特定傷病，保險公司不負豁免保險費的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5704","保誠人壽金滿意保險","9999-12-31","BPARTB3","BPARTB3","NT$","意外險-主約","M","Y",null,null,null,{"$f":"AA45&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB45&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG45&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH45&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽金滿意保險的給付項目，包含：\n一、滿期保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、意外傷害身故保險金或喪葬費用保險金。\n五、意外傷害失能保險金。\n六、大眾運輸意外身故保險金或喪葬費用保險金。\n七、生活扶助保險金。\n八、意外傷害加護病房或燒燙傷病房慰問保險金。\n九、重大燒燙傷保險金。\n十、意外致成二至六級失能豁免保險費。\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽金滿意保險的給付項目，包含：\n一、滿期保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、意外傷害身故保險金或喪葬費用保險金。\n五、意外傷害失能保險金。\n六、大眾運輸意外身故保險金或喪葬費用保險金。\n七、生活扶助保險金。\n八、意外傷害加護病房或燒燙傷病房慰問保險金。\n九、重大燒燙傷保險金。\n十、意外致成二至六級失能豁免保險費。\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽金滿意保險的保單利益，包含：\n一、滿期保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、意外傷害身故保險金或喪葬費用保險金。\n五、意外傷害失能保險金。\n六、大眾運輸意外身故保險金或喪葬費用保險金。\n七、生活扶助保險金。\n八、意外傷害加護病房或燒燙傷病房慰問保險金。\n九、重大燒燙傷保險金。\n十、意外致成二至六級失能豁免保險費。\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭（不論宣戰與否）、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5713","保誠人壽誠鑫滿意保險","9999-12-31","APARTB4","APARTB4","NT$","意外險-主約","M","Y",null,null,null,{"$f":"AA46&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB46&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"20足歲~55歲","元",null,"I",null,{"$error":"#N/A"},{"$f":"AG46&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH46&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽誠鑫滿意保險的給付項目，包含：\n一、滿期保險金。\n二、生存保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、意外傷害身故保險金或喪葬費用保險金。\n六、意外傷害失能保險金。\n七、大眾運輸意外身故保險金或喪葬費用保險金。\n八、生活扶助保險金。\n九、意外傷害加護病房或燒燙傷病房慰問保險金。\n十、重大燒燙傷保險金。\n十、傷害住院日額保險金\n十一、意外創傷縫合處置保險金\n十二、意外致成二至六級失能豁免保險費。\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽誠鑫滿意保險的給付項目，包含：\n一、滿期保險金。\n二、生存保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、意外傷害身故保險金或喪葬費用保險金。\n六、意外傷害失能保險金。\n七、大眾運輸意外身故保險金或喪葬費用保險金。\n八、生活扶助保險金。\n九、意外傷害加護病房或燒燙傷病房慰問保險金。\n十、重大燒燙傷保險金。\n十、傷害住院日額保險金\n十一、意外創傷縫合處置保險金\n十二、意外致成二至六級失能豁免保險費。\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽誠鑫滿意保險的保單利益，包含：\n一、滿期保險金。\n二、生存保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、意外傷害身故保險金或喪葬費用保險金。\n六、意外傷害失能保險金。\n七、大眾運輸意外身故保險金或喪葬費用保險金。\n八、生活扶助保險金。\n九、意外傷害加護病房或燒燙傷病房慰問保險金。\n十、重大燒燙傷保險金。\n十、傷害住院日額保險金\n十一、意外創傷縫合處置保險金\n十二、意外致成二至六級失能豁免保險費。\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["AAR1","保誠人壽金滿意住院醫療傷害保險附約","9999-12-31","APANTR1","APANTR1","NT$","意外險-附約","R","Y",null,null,null,{"$f":"AA47&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB47&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"計畫",null,"I",null,{"$error":"#N/A"},{"$f":"AG47&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH47&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"","傷害險_附約","您所附加的保誠人壽金滿意住院醫療傷害保險附約的給付項目，包含：\n一、傷害住院日額保險金、\n二、傷害住院慰問保險金、\n三、傷害住院手術醫療保險金、\n四、傷害門診手術醫療保險金、\n五、意外創傷縫合處置保險金、\n六、意外致成一至六級失能豁免保險費\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n本商品不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","您所附加的保誠人壽金滿意住院醫療傷害保險附約的除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n本商品不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽金滿意住院醫療傷害保險附約的給付項目，包含：\n一、傷害住院日額保險金、\n二、傷害住院慰問保險金、\n三、傷害住院手術醫療保險金、\n四、傷害門診手術醫療保險金、\n五、意外創傷縫合處置保險金、\n六、意外致成一至六級失能豁免保險費\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n本商品不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n本商品不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽金滿意住院醫療傷害保險附約的保單利益，包含：\n一、傷害住院日額保險金、\n二、傷害住院慰問保險金、\n三、傷害住院手術醫療保險金、\n四、傷害門診手術醫療保險金、\n五、意外創傷縫合處置保險金、\n六、意外致成一至六級失能豁免保險費\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n本商品不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n本商品不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5H03","保誠人壽e無憂定期壽險","9999-12-31","ANLTLN4","ANLTLN4","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA48&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB48&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG48&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH48&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽e無憂定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽e無憂定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽e無憂定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["550A","保誠人壽喜悅定期壽險(96)","9999-12-31","GNTL","GNTL","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA49&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB49&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG49&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH49&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽喜悅定期壽險(96)的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽喜悅定期壽險(96)的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽喜悅定期壽險(96)的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["NTRD","保誠人壽美滿人生美元定期壽險附約","9999-12-31","ANLTRU1","ANLTRU1","USD","壽險-附約","R","Y",null,null,null,{"$f":"AA50&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB50&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"6年、10年、15年：15足歲~65歲\n20年：15足歲~60歲","元",null,"I",null,{"$error":"#N/A"},{"$f":"AG50&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH50&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"","壽險_附約","您所附加的保誠人壽美滿人生美元定期壽險附約的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","您所附加的保誠人壽美滿人生美元定期壽險附約的除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽美滿人生美元定期壽險附約的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽美滿人生美元定期壽險附約的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["NTRC","保誠人壽喜樂定期壽險附約","9999-12-31","ANLTRN1","ANLTRN1","NT$","壽險-附約","R","Y",null,null,null,{"$f":"AA51&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB51&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG51&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH51&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"","壽險_附約","您所附加的保誠人壽喜樂定期壽險附約的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","您所附加的保誠人壽喜樂定期壽險附約的除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽喜樂定期壽險附約的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所附加的保誠人壽喜樂定期壽險附約的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O13","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA52&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB52&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG52&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH52&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O14","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA53&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB53&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG53&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH53&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O15","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA54&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB54&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG54&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH54&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O16","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA55&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB55&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG55&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH55&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O17","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA56&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB56&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG56&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH56&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O18","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA57&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB57&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG57&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH57&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O19","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA58&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB58&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG58&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH58&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O20","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA59&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB59&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG59&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH59&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O21","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA60&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB60&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG60&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH60&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["5O22","保誠人壽新守戶幸福減額定期壽險","9999-12-31","BNDTLN7","不分紅定期壽險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA61&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB61&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I",null,{"$error":"#N/A"},{"$f":"AG61&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH61&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽新守戶幸福減額定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽家家幸福定期壽險的給付項目，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽新守戶幸福減額定期壽險的保單利益，包含：\n一、身故保險金或喪葬費用保險金、\n二、完全失能保險金\n三、完全失能扶助保險金\n四、嚴重第三度燒燙傷保險金\n五、重大傷害失能安養保險金\n六、大眾運輸意外身故保險金或喪葬費用保險金\n七、特定意外身故保險金或喪葬費用保險金\n八、意外身故遺族關懷保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪、酒駕行為。\n二、戰爭、內亂及其他類似的武裝變亂。\n三、原子或核子能裝置所引起的爆炸、灼熱、輻射或污染。\n不保事項，包括：\n一、被保險人從事角力、摔跤、柔道、空手道、跆拳道、馬術、拳擊、特技表演等的競賽或表演。\n二、被保險人從事汽車、機車及自由車等的競賽或表演。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9F36","保誠人壽美利人生外幣終身壽險(109)","9999-12-31","DCLPLU1","DCLPLU1","USD","壽險-主約","M","Y","C",null,null,{"$f":"AA62&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB62&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金(給付後保險契約效力終止)\n被保險人於保險年齡達100歲當年之保單週年日仍生存時，按「保險金額」及「應已繳總保費」二者取其較大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金(給付後保險契約效力終止)\n被保險人身故時，按下列二款計算方式所得金額取其較大值，給付身故保險金：\n(1)「保險金額」(若在繳費期間則加計已繳但未到期保險費)。\n(2)「應已繳總保費」。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n\n■完全失能保險金(給付後保險契約效力終止)\n被保險人完全失能時，按下列二款計算方式所得金額取其較大值，給付完全失能保險金：\n(1)「保險金額」(若在繳費期間則加計已繳但未到期保險費)。\n(2)「應已繳總保費」。\n\n■保單紅利(非保證給付項目)\n保單紅利包括年度紅利、長青紅利及長青解約紅利。年度紅利由保誠人壽每年依分紅保險業務之實際經營狀況核定；長青紅利及長青解約紅利，由保誠人壽每年依分紅保險業務之實際經營狀況且考量長期之分紅績效核定，作為下列紅利給付之基礎：\n1.年度紅利：自第二保單週年日起，每年分配年度紅利予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付(2)抵繳應繳保險費(3)儲存生息。\n2.長青紅利：自第三保單年度起，於被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n3.長青解約紅利：自第三保單年度起，於要保人申請終止保險契約或減少保險金額時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG62&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH62&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽美利人生外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品的除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽美利人生外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽美利人生外幣終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9895","保誠人壽享利人生終身壽險","9999-12-31","CCLPLN2","CCLPLN2","NT$","壽險-主約","M","Y","C",null,null,{"$f":"AA63&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB63&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達 100 歲當年之保單週年日且仍生存時，以「保險金額」、保單價值準備金及「應已繳總保費」，三者取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1. 被保險人身故或完全失能時，以「保險金額」、保單價值準備金乘以之保單價值準備金比率及「應已繳總保費」，三者取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2. 若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，保單不再享有紅利分配。\n※ 訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※ 被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1. 年度紅利：自第二保單週年日起，依當時已宣告之年度紅利金額給付予要保人。\n要保人可選擇下列任一方式領取年度紅利：(1) 現金給付。(2) 儲存生息。\n2. 長青紅利 / 長青解約紅利：\n(1) 長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達 100歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2) 長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「保險金額」時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG63&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH63&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽享利人生終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽享利人生終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽享利人生終身壽險的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9R24","保誠人壽傳富世代外幣終身壽險(109)","9999-12-31","BRDPLU1","BRDPLU1","USD","壽險-主約","M","Y","R",null,null,{"$f":"AA64&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB64&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金\n被保險人於保險年齡達100歲當年之保單週年日仍生存，以「當年度保險金額」、依「基本保險金額」所計算的保單價值準備金、及「應已繳總保費」，三者取其最大值，給付祝壽保險金，給付後，保險契約效力終止。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或致成條款約定完全失能程度之一時，以「當年度保險金額」、依「基本保險金額」所計算的保單價值準備金乘以保單價值準備金比率、及「應已繳總保費」，三者取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇指定分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2.若要保人選擇指定分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」(5、10、15、20、25年)。開始給付分期定期保險金後，保單不再享有紅利分配。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n ■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，並自屆滿第十保單週年之日開始分配：\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日起一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存，給付「長青額外分紅保額」。\n(2)要保人終止契約時，給付「長青解約額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG64&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH64&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽傳富世代外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽傳富世代外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽傳富世代外幣終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9334","保誠人壽五五登峰增額終身壽險(109)","9999-12-31","BCIPLN3","BCIPLN3","NT$","壽險-主約","M","Y","C",null,null,{"$f":"AA65&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB65&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達100歲當年之保單週年日且仍生存時，以「當年度保險金額」、保單價值準備金及「應已繳總保費」，三者取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人身故或完全失能時，以「當年度保險金額」、保單價值準備金乘以保單價值準備金比率及「應已繳總保費」，三者取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，保單不再享有紅利分配。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1.年度紅利：自第二保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付。(2)抵繳應繳保險費。(3)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「基本保險金額」時，依要保人終止或減少之「基本保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG65&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH65&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽五五登峰增額終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽五五登峰增額終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽五五登峰增額終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9R35","保誠人壽鑫傳世代外幣終身壽險(109)","9999-12-31","BRDPLU2","BRDPLU2","USD","壽險-主約","M","Y","R",null,null,{"$f":"AA66&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB66&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金\n被保險人於保險年齡達100歲當年之保單週年日仍生存，以「當年度保險金額」、依「基本保險金額」所計算的保單價值準備金、及「應已繳總保費」，三者取其最大值，給付祝壽保險金，給付後，保險契約效力終止。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或致成條款約定完全失能程度之一時，以「當年度保險金額」、依「基本保險金額」所計算的保單價值準備金乘以保單價值準備金比率、及「應已繳總保費」，三者取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇指定分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2.若要保人選擇指定分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」(5、10、15、20、25年)。開始給付分期定期保險金後，保單不再享有紅利分配。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n ■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，並自屆滿第9保單週年之日開始分配：\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存，給付「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金與當時有效之「長青解約額外分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日起一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存，給付「長青額外分紅保額」。\n(2)要保人終止契約時，給付「長青解約額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG66&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH66&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽鑫傳世代外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽鑫傳世代外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽鑫傳世代外幣終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["2213","保誠人壽薪享幸福定期健康保險","9999-12-31","ADMNTB1",null,"NT$","健康險-主約","M","Y",null,null,null,{"$f":"AA67&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB67&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"10年期: 20-55歲；\n20年期: 20-45歲 ","元","至被保險人保險年齡達 66 歲當年之保單週年日",{"$error":"#N/A"},"【失能收入補償保險金的給付】\n第十三條\n被保險人於本契約有效期間內，第一次因疾病或傷害致成附表所列第一級至第四級失能程度之一者，且被保險人於失能診斷確定日及以後每月之相當日仍生存者(無相當日者為該月之末日)，本公司按本契約之「保險金額」給付失能收入補償保險金，惟不超過本契約保險期間屆滿日之前一日。\n被保險人致成二項以上附表所列第一級至第四級失能程度之一者，本公司只給付一項失能收入補償保險金。\n【身故保險金或喪葬費用保險金的給付】\n第十四條\n被保險人於本契約有效期間且繳費期間 內身故者，本公司 按 「表定年繳保險費」 乘以經過保單年度乘以 「 保\n險金額 」 （以每萬元為單位）所計得之金額 給付「身故保險金」，被保險人於本契約有效期間 且繳費期滿後 身故者，本公司按「表定年繳保險費」乘以繳費年期乘以乘以繳費年期乘以「「保險金額保險金額」」（以每萬元為單位）所計得之金額（以每萬元為單位）所計得之金額給付給付「身故保險金」，給付後本契約之效力即行終止。「身故保險金」，給付後本契約之效力即行終止。\n被保險人於本契約有效\n被保險人於本契約有效且於繳費期間且於繳費期間內身故者，本契約當期已繳付之未到期保險費將不予退還，亦不併入「身內身故者，本契約當期已繳付之未到期保險費將不予退還，亦不併入「身故保險金」之給付。故保險金」之給付。\n訂立本契約時，以\n訂立本契約時，以受監護宣告尚未撤銷者受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金。為被保險人，其身故保險金變更為喪葬費用保險金。\n前項被保險人於民國九十九年二月三日（含）以後所投保之喪葬費用保險金額總和（不限本公司），不得超\n前項被保險人於民國九十九年二月三日（含）以後所投保之喪葬費用保險金額總和（不限本公司），不得超過訂立本契約時遺產及贈與稅法第十七條有關遺產稅喪葬費扣除額之半數，其超過部分本公司不負給付責任，過訂立本契約時遺產及贈與稅法第十七條有關遺產稅喪葬費扣除額之半數，其超過部分本公司不負給付責任，本公司並應無息退還該超過部分之已繳保險費。本公司並應無息退還該超過部分之已繳保險費。\n前項情形，如要保人向二家（含）以上保險公司投保，或向同一保險公司投保數個保險契（附）約，且其投\n前項情形，如要保人向二家（含）以上保險公司投保，或向同一保險公司投保數個保險契（附）約，且其投保之喪葬費用保險金額合計超過前項所定之限額者，本公司於所承保之喪葬費用金額範圍內，依各要保書所保之喪葬費用保險金額合計超過前項所定之限額者，本公司於所承保之喪葬費用金額範圍內，依各要保書所載之要保時間先後，依約給付喪葬費用保險金至前項喪葬費用額度上限為止，如有二家以上保險公司之保險載之要保時間先後，依約給付喪葬費用保險金至前項喪葬費用額度上限為止，如有二家以上保險公司之保險契約要保時間相同或無法區分其要保時間之先後者，各該保險公司應依其喪葬費用保險金額與扣除要保時間契約要保時間相同或無法區分其要保時間之先後者，各該保險公司應依其喪葬費用保險金額與扣除要保時間在先之保險公司應理賠之金額後所餘之限額比例分擔其責任。在先之保險公司應理賠之金額後所餘之限額比例分擔其責任。\n【\n【保險費保險費的的豁免豁免】】\n第十五條\n第十五條\n被保險人於本契約有效且在繳費期間內，第一次因疾病或傷害致成附表所列第一級至第四級失能程度之一者，\n被保險人於本契約有效且在繳費期間內，第一次因疾病或傷害致成附表所列第一級至第四級失能程度之一者，本公司自失能診斷確定之翌日起，豁免本契約本公司自失能診斷確定之翌日起，豁免本契約(不含其他附約不含其他附約)以後各到期日應繳付之保險費，本契約繼續有以後各到期日應繳付之保險費，本契約繼續有效；但本契約當期已繳付之未到期保險費將不予退還。效；但本契約當期已繳付之未到期保險費將不予退還。\n要保人若依前項之約定豁免保險費後，不得再依第二十二條辦理「減額繳清保險」。\n要保人若依前項之約定豁免保險費後，不得再依第二十二條辦理「減額繳清保險」。\n要保人若依第一項約定豁免保險費後，\n要保人若依第一項約定豁免保險費後，非經被保險人同意非經被保險人同意，不得再依第十條辦理契約的終止或依第二十一條，不得再依第十條辦理契約的終止或依第二十一條辦理「保險金額」之減少。辦理「保險金額」之減少。",{"$error":"#N/A"},{"$f":"AG67&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH67&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽薪享幸福定期健康保險的給付項目，包含：\n一、失能收入補償保險金、\n二、身故保險金或喪葬費用保險金、\n三、豁免保險費\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽薪享幸福定期健康保險的給付項目，包含：\n一、失能收入補償保險金、\n二、身故保險金或喪葬費用保險金、\n三、豁免保險費\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽薪享幸福定期健康保險的保單利益，包含：\n一、失能收入補償保險金、\n二、身故保險金或喪葬費用保險金、\n三、豁免保險費\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任及不保事項所致的保險事故，保險公司將不予理賠。完整之除外責任及不保事項規定都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9R63","保誠人壽六六長紅外幣終身壽險","9999-12-31","ARDPLU3","ARDPLU3","USD","壽險-主約","M","Y","R",null,null,{"$f":"AA68&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB68&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日","I","■祝壽保險金( 給付後保險契約效力終止)\n被保險人於保險年齡達110 歲當年之保單週年日仍生存時，以「保險金額」、保單價值準備金及「應已繳總保費」，三者取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1. 「繳費期間」內，按「保單價值準備金」、「當年度保險金額」，二者取其最大值，給付身故保險金或完全失能保險金；給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2. 「繳費期滿」後，按「保單價值準備金」、「應已繳總保費」、「當年度保險金額」，三者取其最大值，給付身故保險金或完全失能保險金；給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n3. 若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，保單不再享有紅利分配。\n※ 被保險人於保險年齡達 16 歲前身故或完全失能者，或訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※ 被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n ■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，「增額分紅保額」與「額外分紅保額」分別自屆滿第十一及第十二保單週年之日開始，於每一保單週年日（含第十一及第十二保單週年日）分配：\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」所計算之保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日起一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存時，給付「長青額外分紅保額」。\n(2)要保人終止契約時，給付「長青解約額外分紅保額」所計算之保單價值準備金。",{"$error":"#N/A"},{"$f":"AG68&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH68&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽保誠人壽六六長紅外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽保誠人壽六六長紅外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽保誠人壽六六長紅外幣終身壽險的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，\n\n","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9C04","保誠人壽五五民豐人民幣增額終身壽險(109)","9999-12-31","BCIPLR1",null,"CNY","壽險-主約","M","Y","C",null,null,{"$f":"AA69&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB69&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"0歲∼75歲","元","至被保險人保險年齡達100歲當年之保單週年日","I",null,{"$error":"#N/A"},{"$f":"AG69&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH69&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽五五民豐人民幣增額終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽五五民豐人民幣增額終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽五五民豐人民幣增額終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9R54","保誠人壽彩色人生外幣終身壽險(109)","9999-12-31","ARLPLU4",null,"USD","壽險-主約","M","Y","R",null,null,{"$f":"AA70&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB70&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"20～60歲","元","至被保險人保險年齡達110歲當年之保單週年日","I","■祝壽保險金( 給付後保險契約效力終止)\n被保險人於保險年齡達110 歲當年之保單週年日仍生存時，以「基本保險金額」及依「基本保險金額」所計算的保單價值準備金。兩者取其最大，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1. 被保險人身故或致成保單條款約定完全失能程度之一時，保誠人壽按下列方式給付保險金，給付後保險契約效力即行終止。\n (1) 第1 保單年度至第20 保單年度：以「『保單價值準備金』乘以 『保單價值準備金比率』」及「應已繳總保費」，兩者取其大者。\n (2) 第20 保單年度屆滿後：以「『保單價值準備金』乘以 『保單價值準備金比率』」及「『基本保險金額』乘以 0.66」，兩者取其大者。\n2. 若要保人選擇分期定額給付，開始給付後，保單不再享有紅利分配。保險契約效力改於「分期定額保險金給付期間」屆滿時終止。\n※ 訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金。\n※ 被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n ■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，並自屆滿第11保單週年之日開始分配：\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」所計算之保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日起一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存時，給付「長青額外分紅保額」。\n(2)要保人終止契約時，給付「長青解約額外分紅保額」所計算之保單價值準備金。",{"$error":"#N/A"},{"$f":"AG70&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH70&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽彩色人生外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽彩色人生外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽彩色人生外幣終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9583","保誠人壽三沛一生終身保險","9999-12-31","ACLPEN6",null,"NT$","壽險-主約","M","Y","C",null,null,{"$f":"AA71&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB71&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"15歲~70歲","元","至被保險人保險年齡達110歲當年之保單週年日","I","■生存保險金\n被保險人於本契約有效期間內，於第七保單週年日起至「保險年齡」達一百零九歲（含）止之每一保單週年日仍生存且未致成附表所列完全失能程度之一時，按「保險金額」的百分之零點六六給付「生存保險金」。\n\n■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，以當時之「保險金額」，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人於本契約有效期間 且於第一 保單 年 度 至第 六 保單年度 內身故者或完全失能時，按當時之保單價值準備金 乘以保單價值準備金比率及「應已繳總保費」，二者取其最大者給付身故保險金或完全失能保險金。\n2.被保險人於本契約有效期 間 且於第 六 保單年度屆滿後 身故者，按當時之保單價值準備金 乘以保單價值準備金比率 給付身故保險金或完全失能保險金 。\n3.給付後，保險契約效力即行終止。若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。開始給付分期定期保險金後，保單不再享有紅利分配。\n\n※「應已繳總保費」，於繳費期間內，被保險人身故或完全失能診斷確定當時，按「保險金額」計算「標準體」之年繳保險費乘以保單年度數之金額；於繳費期滿後，按「保險金額」計算「標準體」之年繳保險費乘以繳費年期之金額。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1.年度紅利：自第七保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付。(2)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「保險金額」時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$f":"AD71&錄音序號_確認語_2&AE71&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"AG71&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH71&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽三沛一生終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽三沛一生終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽三沛一生終身保險的保單利益，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9943","保誠人壽富貴369終身壽險(109)","9999-12-31","ACLPLN7",null,"NT$","壽險-主約","M","Y","C",null,null,{"$f":"AA72&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB72&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I",null,{"$error":"#N/A"},{"$f":"AG72&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH72&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽富貴369終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽富貴369終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽富貴369終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9363","保誠人壽五五登峰增額終身壽險(109A)","9999-12-31","ACIPLN6",null,"NT$","壽險-主約","M","I","C",null,null,{"$f":"AA73&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB73&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達100歲當年之保單週年日且仍生存時，以「當年度保險金額」、保單價值準備金及「應已繳總保費」，三者取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人身故或完全失能時，以「當年度保險金額」、保單價值準備金乘以保單價值準備金比率及「應已繳總保費」，三者取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，保單不再享有紅利分配。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1.年度紅利：自第二保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付。(2)抵繳應繳保險費。(3)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「基本保險金額」時，依要保人終止或減少之「基本保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG73&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH73&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽五五登峰增額終身壽險(109A)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽五五登峰增額終身壽險(109A)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽五五登峰增額終身壽險(109A)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9FE3","保誠人壽美利年年外幣終身保險","9999-12-31","ACLPEU8",null,"USD","壽險-主約","M","Y","C",null,null,{"$f":"AA74&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB74&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■生存保險金\n被保險人於第一保單週年日起至保險年齡達99歲(含)止之每一保單週年日仍生存時，\n按下列方式給付生存保險金：\n1.第一保單週年日：保險金額的3.2%。\n2.第二保單週年日：保險金額的6.4%。\n3.第三保單週年日至第五保單週年日：保險金額的9.6%。\n4.第六保單週年日(含)以後：保險金額的0.6%。\n\n■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達100歲當年之保單週年日且仍生存時，按下列三款計算方式所得金額取其最大值，給付祝壽保險金：1.保險金額。2.保單價值準備金。3.應已繳總保費(註)。\n\n註：「應已繳總保費」，於繳費期間內，被保險人身故或完全失能診斷確定當時，按「保險金額」計算「標準體」之年繳保險費乘以保單年度數之金額；於繳費期滿後，按「保險金額」計算「標準體」之年繳保險費乘以繳費年期之金額。※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人身故或完全失能時，按下列三款計算方式所得金額取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n(1)保險金額(若在繳費期間，加計按日數比例計算之當期已繳但未到期保險費)。\n(2)保單價值準備金乘以保單價值準備金比率(請參照P.4)。\n(3)應已繳總保費。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，保單不再享有紅利分配。「分期定期保險金給付期間」屆滿時，保險契約即行終止。\n※以未滿十五足歲之未成年人為被保險人，除喪葬費用之給付外，其餘死亡給付之約定於被保險人滿十五足歲之日起發生效力；被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金。\n※訂定保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1.年度紅利：自第六保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付。(2)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「保險金額」時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。\n※給付身故保險金、喪葬費用保險金、完全失能保險金或祝壽保險金時，若仍有要保人未請求或保誠人壽應給付之保單紅利金額及其利息，將一併給付予該保險金受益人。",{"$error":"#N/A"},{"$f":"AG74&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH74&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽美利年年外幣終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽美利年年外幣終身保險的給付項目，包含：\n一、生存保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽美利年年外幣終身保險的保單利益，包含：\n一、生存保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["2223","保誠人壽鑫幸福定期保險","9999-12-31","ADMRTB1",null,"NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA75&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB75&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達66歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG75&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH75&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽鑫幸福定期保險的給付項目，包含：\n一、滿期保險金。\n二、失能收入補償保險金。\n三、身故保險金或喪葬費用保險金。\n四、豁免保險費。\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽鑫幸福定期保險的給付項目，包含：\n一、滿期保險金。被保險人於保險期間屆滿且契約有效時仍生存，按「保險金額」之十倍給付。\n二、失能收入補償保險金。被保險人因疾病或傷害致成附表所列第一至四級失能程度之一者，於診斷確定日及以後每月，按「保險金額」給付。\n三、身故保險金或喪葬費用保險金。\n四、豁免保險費。\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽鑫幸福定期保險的保單利益，包含：\n一、滿期保險金。\n二、失能收入補償保險金。\n三、身故保險金或喪葬費用保險金。\n四、豁免保險費。\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9FF3","保誠人壽美利世代外幣終身壽險(109)","9999-12-31","ACLPLU4",null,"USD","壽險-主約","M","Y","C",null,null,{"$f":"AA76&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB76&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達100歲當年之保單週年日仍生存時，按「保險金額」給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人身故或完全失能時，按「保險金額」給付身故保險金或完全失能保險金。給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，保單不再享有紅利分配。「分期定期保險金給付期間」屆滿時，保險契約即行終止。\n※以未滿十五足歲之未成年人為被保險人，除喪葬費用之給付外，其餘死亡給付之約定於被保險人滿十五足歲之日起發生效力；被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■保單紅利( 非保證給付項目 )\n保單紅利包括年度紅利、長青紅利及長青解約紅利。年度紅利由保誠人壽每年依分紅保險業務之實際經營狀況核定；長青紅利及長青解約紅利，由保誠人壽每年依分紅保險業務之實際經營狀況且考量長期之分紅績效核定，作為下列紅利給付之基礎：\n1.年度紅利：自第二保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付(2)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少保險金額時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG76&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH76&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽美利世代外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽美利世代外幣終身壽險(109)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽美利世代外幣終身壽險(109)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金。\n三、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9953","保誠人壽實利充沛終身保險","9999-12-31","ACLPEN7",null,"NT$","壽險-主約","M","Y","C",null,null,{"$f":"AA77&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB77&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG77&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH77&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽實利充沛終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽實利充沛終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽實利充沛終身保險的保單利益，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金。\n四、完全失能保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9285","保誠人壽鑫傳三代終身壽險","9999-12-31","ARDPLN1","終身壽險英式分紅","NT$","壽險-主約","M","Y","R",null,null,{"$f":"AA78&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB78&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日","I","■祝壽保險金\n被保險人於保險年齡達100歲當年之保單週年日仍生存，以「當年度保險金額」，給付祝壽保險金，給付後，保險契約效力終止。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或致成條款約定完全失能程度之一時，以「當年度保險金額」給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇指定分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2.若要保人選擇指定分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」(5、10、15、20、25年)。開始給付分期定期保險金後，保單不再享有紅利分配。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n ■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，於本契約有效期間內且自屆滿第十保單週年之日開始，於每一保單週年日（含第十保單週年日）分配：\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存，給付「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金與當時有效之「長青解約額外分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日起一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存，給付「長青額外分紅保額」。\n(2)要保人終止契約時，給付「長青解約額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG78&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH78&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽鑫傳三代終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽鑫傳三代終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽鑫傳三代終身壽險的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，\n\n","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9R73","保誠人壽萬事利達外幣終身壽險(6)","9999-12-31","ARLPLU5","終身壽險英式分紅","USD","壽險-主約","M","Y","R",null,null,{"$f":"AA79&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB79&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日","I","■祝壽保險金\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，按「基本保險金額」、保單價值準備金、應已繳總保費取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按下列二款計算方式所得金額取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定額保險金給付期間」屆滿時終止。\n(1)「基本保險金額」的保單價值準備金乘以保單價值準備金比率。\n(2)應已繳總保費。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定額保險金給付期間」。開始給付分期定額保險金後，保單不再享有紅利分配。※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n\n■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎：\n1.「增額分紅保額」：自屆滿第六保單週年之日起每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：自屆滿第九保單週年之日起，宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「額外分紅保額」。\n(2)要保人終止契約時，給付「額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG79&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH79&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽萬事利達外幣終身壽險(6)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽萬事利達外幣終身壽險(6)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽萬事利達外幣終身壽險(6)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9R93","保誠人壽一路長紅外幣終身壽險","9999-12-31","ARLPLU7","終身壽險英式分紅","USD","壽險-主約","M","Y","R",null,null,{"$f":"AA80&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB80&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■祝壽保險金\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，按「基本保險金額」、保單價值準備金、應已繳總保費取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按下列二款計算方式所得金額取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定額保險金給付期間」屆滿時終止。\n(1)「基本保險金額」的保單價值準備金乘以保單價值準備金比率。\n(2)應已繳總保費。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定額保險金給付期間」。開始給付分期定額保險金後，保單不再享有紅利分配。※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n\n■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎：\n1.「增額分紅保額」：自屆滿第六保單週年之日起每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：自屆滿第九保單週年之日起，宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「額外分紅保額」。\n(2)要保人終止契約時，給付「額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG80&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH80&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽一路長紅外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】",null,null,null,"",""]
["9R83","保誠人壽萬事利達外幣終身壽險(10)","9999-12-31","ARLPLU6","終身壽險英式分紅","USD","壽險-主約","M","Y","R",null,null,{"$f":"AA81&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB81&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■祝壽保險金\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，按「基本保險金額」、保單價值準備金、應已繳總保費取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按下列二款計算方式所得金額取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定額保險金給付期間」屆滿時終止。\n(1)「基本保險金額」的保單價值準備金乘以保單價值準備金比率。\n(2)應已繳總保費。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定額保險金給付期間」。開始給付分期定額保險金後，保單不再享有紅利分配。※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故給付之計算，另依條款約定。\n\n■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎：\n1.「增額分紅保額」：自屆滿第六保單週年之日起每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：自屆滿第九保單週年之日起，宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「額外分紅保額」。\n(2)要保人終止契約時，給付「額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG81&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH81&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽萬事利達外幣終身壽險(10)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽萬事利達外幣終身壽險(10)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽萬事利達外幣終身壽險(10)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9963","保誠人壽雙喜臨門終身壽險","9999-12-31","ACLPLN9","終身壽險美式分紅","NT$","壽險-主約","M","Y","C",null,null,{"$f":"AA82&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB82&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,"0~78 歲","元","至被保險人保險年齡達100歲當年之保單週年日",null,"■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達100歲當年之保單週年日且仍生存時，以「保險金額」、保單價值準備金及「應已繳總保費」，三者取其最大值，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人身故或完全失能時，以「保險金額」、保單價值準備金乘以保單價值準備金比率及「應已繳總保費」，三者取其最大，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，保單不再享有紅利分配。\n\n※「應已繳總保費」，於繳費期間內，被保險人身故或完全失能診斷確定當時，按「保險金額」計算「標準體」之年繳保險費乘以保單年度數之金額；於繳費期滿後，按「保險金額」計算「標準體」之年繳保險費乘以繳費年期之金額。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1.年度紅利：自第二保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付。(2)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達100歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「保險金額」時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG82&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH82&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽雙喜臨門終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要保人故意致被保險人於死、被保險人故意自殺或自成完全失能、或被保險人因犯罪致死或完全失能者，保誠人壽不負\n給付保險金之責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要保人故意致被保險人於死、被保險人故意自殺或自成完全失能、或被保險人因犯罪致死或完全失能者，保誠人壽不負\n給付保險金之責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】",null,null,null,"",""]
["2233","保誠人壽鑫滿意足定期保險","9999-12-31","ADMRTB2","不分紅定期失能險","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA83&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB83&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達66歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG83&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH83&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽鑫滿意足定期保險的給付項目，包含：\n一、滿期保險金。\n二、失能收入補償保險金。\n三、身故保險金或喪葬費用保險金。\n四、豁免保險費。\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為、或非法施用毒品致死或致成保單條款附表所列失能程度之一者。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為、或非法施用毒品致死或致成保單條款附表所列失能程度之一者。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】",null,null,null,"",""]
[9593,"保誠人壽三享樂活終身保險","9999-12-31","ACLPEN9","終身生死合險美式分紅","NT$","生死合險險-主約","M","Y","H",null,null,{"$f":"AA84&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB84&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG84&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH84&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽三享樂活終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、法定傳染病保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽三享樂活終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、法定傳染病保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽三享樂活終身保險的保單利益，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、法定傳染病保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["92AA","保誠人壽萬事如意終身壽險","9999-12-31","ARDPLN2","終身壽險英式分紅","NT$","生死合險險-主約","M","Y","I",null,null,{"$f":"AA85&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB85&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG85&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH85&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽萬事如意終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、大眾運輸意外傷害身故保險金或喪葬費用保險金、失能保險金。\n四、保單紅利：包含「增額分紅保額」與「額外分紅保額」。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】",null,null,null,"您所投保的保誠人壽萬事如意終身壽險的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、大眾運輸意外傷害身故保險金或喪葬費用保險金、失能保險金。\n四、保單紅利：包含「增額分紅保額」與「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9FGA","保誠人壽福企滿滿外幣終身保險","9999-12-31","ACLPEU9","終身生死合險美式分紅","USD","壽險-主約","M","Y","H",null,null,{"$f":"AA86&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB86&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■生存保險金\n被保險人於本契約有效期間內，於第七保單週年日起至「保險年齡」達一百零九歲（含）止之每一保單週年日仍生存且未致成附表所列完全失能程度之一時，按「應已繳總保費」的百分之一點五給付「生存保險金」。\n\n■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，以當時之「保險金額」，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人於本契約有效期間 且於第一 保單 年 度 至第 六 保單年度 內身故者或完全失能時，按當時之保單價值準備金 乘以保單價值準備金比率及「應已繳總保費」，二者取其最大者給付身故保險金或完全失能保險金。\n2.被保險人於本契約有效期 間 且於第 六 保單年度屆滿後 身故者，按當時之保單價值準備金 乘以保單價值準備金比率 給付身故保險金或完全失能保險金 。\n3.給付後，保險契約效力即行終止。若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。開始給付分期定期保險金後，保單不再享有紅利分配。\n\n※「應已繳總保費」，於繳費期間內，被保險人身故或完全失能診斷確定當時，按「保險金額」計算「標準體」之年繳保險費乘以保單年度數之金額；於繳費期滿後，按「保險金額」計算「標準體」之年繳保險費乘以繳費年期之金額。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■特定傷病保險金\n被保險人於本契約有效期間內，經醫師診斷確定致成本商品約定之特定傷病，按「保險金額」的百分之十給付「特定傷病保險金」，給付以一次為限。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1.年度紅利：自第二保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付。(2)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「保險金額」時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG86&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH86&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"SUBSTITUTE(M86,\"建議書摘要表\",\"建議書\")","v":{"$error":"#N/A"}},"RF","","您所投保的保誠人壽福企滿滿外幣終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、特定傷病保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽福企滿滿外幣終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、特定傷病保險金。\n五、保單紅利:包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽福企滿滿外幣終身保險的保單利益，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、特定傷病保險金。\n五、保單紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，\n","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9FHA","保誠人壽創富御守外幣終身保險","9999-12-31","ACLPEU10","終身壽險美式分紅","USD","生死合險險-主約","M","Y","H",null,null,{"$f":"AA87&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB87&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■生存保險金\n被保險人於本契約有效期間內，於第七保單週年日起至「保險年齡」達一百零九歲（含）止之每一保單週年日仍生存且未致成附表所列完全失能程度之一時，按「應已繳總保費」的百分之一點五給付「生存保險金」。\n\n■祝壽保險金( 給付後保險契約效力終止 )\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，以當時之「保險金額」，給付祝壽保險金。\n\n■身故保險金或喪葬費用保險金、完全失能保險金(給付後保險契約效力終止)\n1.被保險人於本契約有效期間 且於第一 保單 年 度 至第 六 保單年度 內身故者或完全失能時，按當時之保單價值準備金 乘以保單價值準備金比率及「應已繳總保費」，二者取其最大者給付身故保險金或完全失能保險金。\n2.被保險人於本契約有效期 間 且於第 六 保單年度屆滿後 身故者，按當時之保單價值準備金 乘以保單價值準備金比率 給付身故保險金或完全失能保險金 。\n3.給付後，保險契約效力即行終止。若要保人選擇保險金分期給付，則保險契約效力改於「分期定期保險金給付期間」屆滿時終止。開始給付分期定期保險金後，保單不再享有紅利分配。\n\n※「應已繳總保費」，於繳費期間內，被保險人身故或完全失能診斷確定當時，按「保險金額」計算「標準體」之年繳保險費乘以保單年度數之金額；於繳費期滿後，按「保險金額」計算「標準體」之年繳保險費乘以繳費年期之金額。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金或完全失能保險金之計算，另依條款約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■特定傷病保險金\n被保險人於本契約有效期間內，經醫師診斷確定致成本商品約定之特定傷病，按「保險金額」的百分之十給付「特定傷病保險金」，給付以一次為限。\n\n■保單紅利( 非保證給付項目 )\n保誠人壽每年依分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之可分配盈餘，作為下列紅利給付之基礎：\n1.年度紅利：自第二保單週年日起，依當時已宣告之年度紅利金額給付予要保人。要保人可選擇下列任一方式領取年度紅利：(1)現金給付。(2)儲存生息。\n2.長青紅利/長青解約紅利：\n(1)長青紅利：自第六保單年度起，於被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存時，給付當時適用之長青紅利予要保人。\n(2)長青解約紅利：自第六保單年度起，於要保人申請終止保險契約或減少「保險金額」時，依要保人終止或減少之「保險金額」比例計算，給付當時適用之長青解約紅利予要保人。",{"$error":"#N/A"},{"$f":"AG87&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH87&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"SUBSTITUTE(M87,\"建議書摘要表\",\"建議書\")","v":{"$error":"#N/A"}},"RF","","您所投保的保誠人壽創富御守外幣終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、特定傷病保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽創富御守外幣終身保險的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、特定傷病保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽創富御守外幣終身保險的保單利益，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、特定傷病保險金。\n五、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9RAA","保誠人壽橘享樂外幣終身壽險","9999-12-31","ARLPLU8",null,"USD","生死合險險-主約","M","Y","H",null,null,{"$f":"AA88&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB88&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■祝壽保險金\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，按下列三款計算方式所得金額取其最大值，給付祝壽保險金：\n1.「基本保險金額」。\n2.「基本保險金額」的保單價值準備金。\n3.應已繳總保費。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按下列二款計算方式所得金額取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定額保險金給付期間」屆滿時終止。\n(1)「基本保險金額」的保單價值準備金乘以保單價值準備金比率。若已罹患「認知功能障礙」者，仍以未罹患狀態計算其身故或完全失能當時之「基本保險金額」的保單價值準備金。\n(2)應已繳總保費。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定額保險金給付期間」。開始給付分期定額保險金後，保單不再享有紅利分配。\n\n■認知功能障礙保險金\n被保險人經醫師診斷確診「認知功能障礙」時，按「基本保險金額」的10%給付(給付以一次為限，給付後保單解約金將因此有所變動)。\n\n■保單紅利(非保證給付項目)\n保誠人壽依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，並於每一保單週年日(含第三及第五保單週年日)分配：\n1.「增額分紅保額」：自屆滿第三保單週年之日起每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自屆滿第五保單週年之日開始，宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約時，給付「長青解約額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG88&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH88&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"SUBSTITUTE(M88,\"建議書摘要表\",\"建議書\")","v":{"$error":"#N/A"}},"RF","","您所投保的保誠人壽橘享樂外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、認知功能障礙保險金。\n四、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽橘享樂外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、認知功能障礙保險金。\n四、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n四、被保險人非法施用防制毒品相關法令所稱之毒品而罹患「認知功能障礙」，本公司不負給付認知功能障礙保險金保險金的責任。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n四、被保險人非法施用防制毒品相關法令所稱之毒品而罹患「認知功能障礙」，本公司不負給付認知功能障礙保險金保險金的責任。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽橘享樂外幣終身壽險的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、認知功能障礙保險金。\n四、保單紅利：包含增額分紅保額及額外分紅保額。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9RBA","保誠人壽十分美滿外幣終身壽險","9999-12-31","ARLPLU9","終身壽險英式分紅","USD","死亡險","M","Y","H",null,null,{"$f":"AA89&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB89&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG89&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH89&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"SUBSTITUTE(M89,\"建議書摘要表\",\"建議書\")","v":{"$error":"#N/A"}},"RF","","您所投保的保誠人壽十分美滿外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、二至六級失能豁免保險費。\n四、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9TEM","保誠人壽美利守護外幣終身壽險","9999-12-31","ARLPLU10",null,"USD","生死合險險-主約","M","Y","H",null,null,{"$f":"AA90&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB90&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG90&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH90&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽美利守護外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、癌症（重度）保險金、特定癌症保險金。\n四、豁免保險費。\n五、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9RD3","保誠人壽傳世享富外幣終身壽險","9999-12-31","ARDPLU4","英式分紅","USD","壽險-主約","M","Y","C",null,null,{"$f":"AA91&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB91&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG91&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH91&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NF","","您所投保的保誠人壽傳世享富外幣終身壽險的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含「增額分紅保額」及「額外分紅保額」。\n給付內容跟給付時間有載明在保單條款及保誠人壽提供之試算表中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9RE3","保誠人壽滿福雙享外幣終身壽險(定期給付型)","9999-12-31","ARLPLU11","英式分紅","USD","死亡險-主約","M","Y","C",null,null,{"$f":"AA92&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB92&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■祝壽保險金\n被保險人於保險年齡達110歲當年之保單週年日且仍生存時，按下列三款計算方式所得金額取其最大值，給付祝壽保險金：\n1.「基本保險金額」。\n2.「基本保險金額」的保單價值準備金。\n3. 應已繳總保費。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按下列二款計算方式所得金額取其最大值，給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止，若要保人選擇保險金分期給付，則保險契約效力改於「分期定額保險金給付期間」屆滿時終止。\n(1)「基本保險金額」的保單價值準備金乘以保單價值準備金比率。\n(2)應已繳總保費。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定額保險金給付期間」。開始給付分期定額保險金後，保單不再享有紅利分配。\n若被保險人滿十五足歲前死亡者或以受監護宣告尚未撤銷者為被保險人，其身故給付之計算另依條款約定。\n\n■保單紅利(非保證給付項目)\n保誠人壽依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，並於每一保單週年日(含第三及第五保單週年日)分配：\n1.「增額分紅保額」：自屆滿第三保單週年之日起每年分配一次。於下列時點一次給付之：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自屆滿第五保單週年之日開始，宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約時，給付「長青解約額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG92&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH92&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽滿福雙享外幣終身壽險(定期給付型)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽滿福雙享外幣終身壽險(定期給付型)的給付項目，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽滿福雙享外幣終身壽險(定期給付型)的保單利益，包含：\n一、祝壽保險金。\n二、身故保險金或喪葬費用保險金、完全失能保險金。\n三、保單紅利：包含增額分紅保額及額外分紅保額。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["550C","保誠人壽喜悅定期壽險(111)","9999-12-31","INTL","INTL","NT$","壽險-主約","M","Y",null,null,null,{"$f":"AA93&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB93&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元",null,"I","■身故保險金或喪葬費用保險金、完全失能保險金\n被保險人身故或完全失能時，按「基本保險金額」給付身故保險金或完全失能保險金，給付後，保險契約效力即行終止。\n\n",{"$error":"#N/A"},{"$f":"AG93&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH93&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"NL","","您所投保的保誠人壽喜悅定期壽險(111) 的給付項目，包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽喜悅定期壽險(111) 的給付項目，包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n以上給付條件載明在保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成失能。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或失能。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成失能。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或失能。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽喜悅定期壽險(111) 的保單利益，包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n給付內容跟給付時間有載明在保單條款中，這些保險給付的相關內容，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9FIA","保誠人壽一路發外幣終身保險(定期給付型)","9999-12-31","ACLPEU11","生死合險-主約","USD","生死合險-主約","M","Y","H",null,null,{"$f":"AA94&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB94&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日","I",null,{"$error":"#N/A"},{"$f":"AG94&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH94&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","您所投保的保誠人壽一路發外幣終身保險(定期給付型) 的給付項目，包含：\n一、身故保險金或喪葬費用保險金。\n二、完全失能保險金。\n三、生存保險金。\n四、祝壽保險金。\n五、豁免保險費。\n六、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["95BA","保誠人壽三享安康終身保險(定期給付型)","9999-12-31","ACLPEN11","生死合險-主約","NT$","生死合險-主約","M","Y","I",null,null,{"$f":"AA95&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB95&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日","I",null,{"$error":"#N/A"},{"$f":"AG95&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH95&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽三享安康終身保險(定期給付型)的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、意外傷害身故保險金或喪葬費用保險金。\n五、大眾運輸意外傷害身故保險金或喪葬費用保險金。\n六、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】",null,null,null,"您所投保的保誠人壽三享安康終身保險(定期給付型)的保單利益，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、意外傷害身故保險金或喪葬費用保險金。\n五、大眾運輸意外傷害身故保險金或喪葬費用保險金。\n六、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["95A3","保誠人壽享富樂活終身保險(定期給付型)","9999-12-31","ACLPEN10","生死合險-主約","NT$","生死合險-主約","M","Y","C",null,null,{"$f":"AA96&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB96&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日","I",null,{"$error":"#N/A"},{"$f":"AG96&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH96&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL","","您所投保的保誠人壽享富樂活終身保險(定期給付型)的給付項目，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n以上給付條件載明在保單條款及「建議書摘要表」中，\n\n","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】",null,null,null,"您所投保的保誠人壽享富樂活終身保險(定期給付型)的保單利益，包含：\n一、生存保險金。\n二、祝壽保險金。\n三、身故保險金或喪葬費用保險金、完全失能保險金。\n四、保單紅利：包含年度紅利、長青紅利及長青解約紅利。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，\n\n","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9RGA","保誠人壽美利29外幣終身壽險(定期給付型)","9999-12-31","ARLPLU12","ARLPLU12","USD","壽險-主約","M","Y","R",null,null,{"$f":"AA97&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB97&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達100歲當年之保單週年日",null,null,{"$error":"#N/A"},{"$f":"AG97&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH97&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RF","","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【提示:請等待客戶回答】","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["92DA","保誠人壽福康滿利終身壽險(定期給付型)","9999-12-31","ARLPLN6","ARLPLN6","NT$","壽險-主約","M","Y","H",null,null,{"$f":"AA98&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB98&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■祝壽保險金\n被保險人於保險年齡達110 歲當年之保單週年日仍生存者，按下列三款計算方式所得金額之最大者給付「祝壽保險金」：\n1.「基本保險金額」。\n2.「基本保險金額」的保單價值準備金。\n3.「應已繳總保費」。\n\n■身故保險金或喪葬費用保險金、完全失能保險金\n1. 被保險人身故或完全失能時，按下列兩款計算方式所得金額之最大者給付身故保險金或完全失能保險金，給付後保險契約效力即行終止:\n(1) 「基本保險金額」的保單價值準備金乘以保單價值準備金比率。\n(2) 「應已繳總保費」。\n2. 若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，成為不分紅保單，不享有紅利分配。「分期定期保險金給付期間」屆滿時，分期定期給付之約定即行終止。\n若被保險人滿十五足歲前死亡者或以受監護宣告尚未撤銷者為被保險人，其身故給付之計算另依條款約定。\n\n■特定癌症照護保險金\n被保險人經醫師診斷確診「特定癌症」時，按「基本保險金額」的10% 給付。\n\n■保單紅利(非保證給付項目)\n保誠人壽依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，並自屆滿第五保單週年之日開始分配：\n1. 「增額分紅保額」：每年分配一次。於下列時點一次給付：\n(1) 被保險人身故、完全失能或保險年齡達110 歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2) 要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2. 「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1) 被保險人身故、完全失能或保險年齡達110 歲當年之保單週年日仍生存者，給付「長青額外分紅保額」。\n(2) 要保人終止契約時，給付「長青解約額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG98&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH98&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL",null,"您所投保的保誠人壽福康滿利終身壽險(定期給付型)的給付項目，包含：\n一、身故保險金或喪葬費用保險金。\n二、完全失能保險金。\n三、祝壽保險金。\n四、特定癌症照護保險金，特定癌症指胃惡性腫瘤。\n五、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽福康滿利終身壽險(定期給付型)的給付項目，包含：\n一、身故保險金或喪葬費用保險金。\n二、完全失能保險金。\n三、祝壽保險金。\n四、特定癌症照護保險金，特定癌症指胃惡性腫瘤。\n五、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成附表一所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款附表一所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","您所投保的保誠人壽福康滿利終身壽險(定期給付型)的保單利益，包含：\n一、身故保險金或喪葬費用保險金。\n二、完全失能保險金。\n三、祝壽保險金。\n四、特定癌症照護保險金，特定癌症指胃惡性腫瘤。\n五、保單紅利：包含增額分紅保額及額外分紅保額。\n給付內容跟給付時間有載明在保單條款及「建議書摘要表」中，這些保險給付及保單紅利的相關內容，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為致被保險人死亡或完全失能。\n因除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["92D5","保誠人壽福安滿利終身壽險(定期給付型)","9999-12-31","BRLPLN6","BRLPLN6","NT$","壽險-主約","M","Y","R",null,null,{"$f":"AA99&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB99&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日",null,"■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按身故或完全失能診斷確定當時下列二款計算方式給付身故保險金或完全失能保險金：\n(1)「基本保險金額」的保單價值準備金乘以保單條款所列保單價值準備金比率。\n(2)「應已繳總保費」。\n除依上述給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，成為不分紅保單，不享有紅利分配。「分期定期保險金給付期間」屆滿時，分期定期給付之約定即行終止。\n※被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金；喪葬費用保險金以遺產稅喪葬費用扣除額之一半為限，其超過部分保誠人壽無息退還該超過部分之已繳保險費，且不適用分期定期保險金給付之約定。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金，且不適用分期定期保險金給付之約定。\n※被保險人同時或先後致成保單條款所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■祝壽保險金\n被保險人於保險年齡達110 歲仍生存時，按保險期間屆滿日當時下列三款計算方式所得金額之最大者，給付祝壽保險金：\n1.「基本保險金額」。\n2.「基本保險金額」的保單價值準備金。\n3.「應已繳總保費」。\n除依上述給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。\n\n■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務會計年度結算之實際累積營運結果及各該保險單依條款附件「保單紅利計算與分配說明」所載之方式計算下列分紅保額。於本契約有效期間內，「增額分紅保額」於第五保單週年日(含)起之各保單週年日分配，「額外分紅保額」於第五保單週年日(含)起適用。\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付：\n(1) 被保險人身故、完全失能或保險年齡達110 歲仍生存者，給付「累積已分配增額分紅保額」。\n(2) 要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，\n自宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110 歲仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。",{"$error":"#N/A"},{"$f":"AG99&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH99&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$error":"#N/A"},"RL",null,"本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金。\n二、完全失能保險金。\n三、祝壽保險金。\n四、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？  【請客戶回答：清楚/不清楚】","本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金。\n二、完全失能保險金。\n三、祝壽保險金。\n四、保單紅利：包含增額分紅保額及額外分紅保額。","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金。\n二、完全失能保險金。\n三、祝壽保險金。\n四、保單紅利：包含增額分紅保額及額外分紅保額。\n以上給付條件載明在保單條款及「建議書摘要表」中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，請問您清楚嗎？  【請客戶回答：清楚/不清楚】"]
["9SB3","保誠人壽美滿傳家外幣終身壽險(定期給付型)","9999-12-31","ARLPLU30","ARLPLU30","USD","壽險-主約","M","Y","R1",null,null,{"$f":"AA100&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB100&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日","■保單紅利(非保證給付項目)\n保誠人壽依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，於保險契約有效期間內自屆滿第五保單週年之日起分配：\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付：\n(1)被保險人身故、完全失能或保險年齡達110 歲仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110 歲仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按身故或完全失能診斷確定當時下列三款計算方式所得金額之最大者給付身故保險金或完全失能保險金：\n(1)「基本保險金額」乘以當年度保險金額比率。\n(2)「基本保險金額」的保單價值準備金乘以保單價值準備金比率。\n(3)「應已繳總保費」。\n除依上述給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。\n2. 若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，成為不分紅保單，不享有紅利分配。「分期定期保險金給付期間」屆滿時，分期定期給付之約定即行終止。\n\n※ 被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金；喪葬費用保險金以遺產稅喪葬費用扣除額之一半為限，其超過部分保誠人壽無息退還該超過部分之已繳保險費，且不適用分期定期保險金給付之約定。\n※ 訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金，且不適用分期定期保險金給付之約定。\n\n■祝壽保險金\n被保險人於保險年齡達110 歲仍生存時，按保險期間屆滿日當時下列三款計算方式所得金額之最大者，給付祝壽保險金：\n1.「基本保險金額」乘以當年度保險金額比率。\n2.「基本保險金額」的保單價值準備金。\n3.「應已繳總保費」。\n除依上述給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。",{"$f":"AD100&錄音序號_確認語_2&AE100&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"AG100&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH100&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"SUBSTITUTE(M100,\"建議書摘要表\",\"建議書\")","v":{"$error":"#N/A"}},"RF1",null,"本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n三、祝壽保險金\n以上給付條件載明在保單條款及「建議書」中，\n\n我將再說明非保證給付的保單紅利項目：\n1.增額分紅保額：依保單條款約定，若該年度有分配保單紅利，將於保單週年日分配，每年分配一次。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.額外分紅保額：依保單條款約定，若該年度有分配保單紅利，自宣告後一年有效，每年公佈的額外分紅保額可能較前一年度增加，亦可能減少。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n三、祝壽保險金\n\n■保單紅利(非保證給付項目)\n保誠人壽依據分紅保險業務之實際經營狀況且考量未來長期之分紅績效，核定該年度之分紅保額，作為下列紅利分配之基礎，於保險契約有效期間內自屆滿第五保單週年之日起分配：\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付：\n(1)被保險人身故、完全失能或保險年齡達110 歲仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110 歲仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n三、祝壽保險金\n以上給付條件載明在保單條款及「建議書」中，\n\n我將再說明非保證給付的保單紅利項目：\n1.增額分紅保額：依保單條款約定，若該年度有分配保單紅利，將於保單週年日分配，每年分配一次。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.額外分紅保額：依保單條款約定，若該年度有分配保單紅利，自宣告後一年有效，每年公佈的額外分紅保額可能較前一年度增加，亦可能減少。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]
["9SG3","保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)","9999-12-31","ARLPLU42","ARLPLU42","USD","壽險-主約","M","Y","R1",null,null,{"$f":"AA101&錄音序號_確認語_2&\"\"&B1_解約金商品錄音話術table!AB101&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,"元","至被保險人保險年齡達110歲當年之保單週年日","■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務會計年度結算之實際累積營運結果及各該保險單依\n條款附件「保單紅利計算與分配說明」所載之方式計算下列分紅保額。於本契約有效期間內，「增額分紅保額」於屆滿第五保單年度起之各保單週年日分配，「額外分紅保額」於屆滿第五保單年度起適用。\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","■身故保險金或喪葬費用保險金、完全失能保險金\n1.被保險人身故或完全失能時，按身故或完全失能診斷確定當時下列三款計算方式\n所得金額之最大者給付身故保險金或完全失能保險金：\n(1)「基本保險金額」乘以當年度保險金額比率。\n(2)「基本保險金額」的保單價值準備金乘以保單價值準備金比率。\n(3)「應已繳總保費」。\n除依上述給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。\n2.若要保人選擇保險金分期給付，得事先約定欲分期給付之「指定保險金」及「分期定期保險金給付期間」。開始給付分期定期保險金後，成為不分紅保單，不享有紅利分配。「分期定期保險金給付期間」屆滿時，分期定期給付之約定即行終止。\n※被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金；喪葬費用保險金以遺產稅喪葬費用扣除額之一半為限，其超過部分保誠人壽無息退還該超過部分之已繳保險費，且不適用分期定期保險金給付之約定。\n※訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金，且不適用分期定期保險金給付之約定。\n※被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。\n\n■祝壽保險金\n被保險人於保險年齡達110歲當年之保單週年日仍生存時，按保險期間屆滿日當時下列三款計算方式所得金額之最大者，給付祝壽保險金：1.「基本保險金額」。2.「基本保險金額」的保單價值準備金。3.「應已繳總保費」。\n除依上述給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。",{"$f":"AD101&錄音序號_確認語_2&AE101&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"AG101&錄音序號_確認語_2&B1_解約金商品錄音話術table!AH101&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"SUBSTITUTE(M101,\"建議書摘要表\",\"建議書\")","v":{"$error":"#N/A"}},"RF1",null,"本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n三、祝壽保險金\n以上給付條件載明在保單條款及「建議書」中，\n\n我將再說明非保證給付的保單紅利項目：\n1.增額分紅保額：依保單條款約定，若該年度有分配保單紅利，將於保單週年日分配，每年分配一次。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.額外分紅保額：依保單條款約定，若該年度有分配保單紅利，自宣告後一年有效，每年公佈的額外分紅保額可能較前一年度增加，亦可能減少。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n三、祝壽保險金\n\n■保單紅利(非保證給付項目)\n保誠人壽每年依據分紅保險業務會計年度結算之實際累積營運結果及各該保險單依條款附件「保單紅利計算與分配說明」所載之方式計算下列分紅保額。於本契約有效期間內，「增額分紅保額」於屆滿第五保單年度起之各保單週年日分配，「額外分紅保額」於屆滿第五保單年度起適用。\n1.「增額分紅保額」：每年分配一次。於下列時點一次給付：\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.「額外分紅保額」：包含「長青額外分紅保額」與「長青解約額外分紅保額」，自宣告日一年內有效，並不逐年累積，因此每年公佈之「額外分紅保額」可能較前一年度增加，亦可能減少。\n(1)被保險人身故、完全失能或保險年齡達110歲當年之保單週年日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。\n完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n一、要保人故意致被保險人於死。\n二、被保險人故意自殺或自成保單條款所列完全失能程度之一者。但自契約訂立或復效之日起二年後故意自殺致死者，保誠人壽仍負給付身故保險金或喪葬費用保險金之責任。\n三、被保險人因犯罪處死或拒捕或越獄致死或致成保單條款所列完全失能程度之一者。\n因除外責任所致的保險事故，保誠人壽不負給付保險金的責任。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】","本保單之主要給付項目包含：\n一、身故保險金或喪葬費用保險金\n二、完全失能保險金\n三、祝壽保險金\n以上給付條件載明在保單條款及「建議書」中，\n\n我將再說明非保證給付的保單紅利項目：\n1.增額分紅保額：依保單條款約定，若該年度有分配保單紅利，將於保單週年日分配，每年分配一次。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「累積已分配增額分紅保額」。\n(2)要保人終止契約時，給付「累積已分配增額分紅保額」的保單價值準備金。\n2.額外分紅保額：依保單條款約定，若該年度有分配保單紅利，自宣告後一年有效，每年公佈的額外分紅保額可能較前一年度增加，亦可能減少。依下列條件給付：\n(1)被保險人身故、完全失能或保險期間屆滿日仍生存者，給付「長青額外分紅保額」。\n(2)要保人終止契約或契約失效時，依約定方式給付「長青解約額外分紅保額」的保單價值準備金。","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。完整之除外責任都載明於保單條款中，","本商品除外責任，包括：\n要、被保險人故意行為或被保險人犯罪行為等除外責任所致的保險事故，保險公司將不予理賠。\n完整之除外責任都載明於保單條款中，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"]

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["item","開頭語","結尾語","開頭語_農金版","內文一_農金版","內文二_農金版","開頭語_臺企版","開頭語_兆豐版","開頭語_花旗版","開頭語_一銀版","開頭語_台新版","確認語1","確認語2","確認語3","組合版(公式過長用)","開頭語-繳款人","結尾語_繳款人","開頭語_農金版","內文一_農金版","內文二_農金版","開頭語_臺企版","開頭語_兆豐版","開頭語_花旗版","開頭語_一銀版","開頭語_台新版","確認語1","確認語2","確認語3",null,"確認語設定","確認語1","確認語2","確認語3","確認語4","確認語5","確認語6",null,null,null,null,null,null,"瘖啞人士注意事項","瘖啞人士注意事項_繳款人"]
["錄音程序一","準備錄音話術",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"要保人&\" 先生/女士、\"&被保人&\" 先生/女士，\"","v":"貴保戶 先生/女士、貴保戶 先生/女士，"},{"$f":"\"\n\"&要保人&\" 先生/女士，請問您是否同意?【請客戶回答：同意/不同意】\"&\"\n\"&被保人&\" 先生/女士，請問您是否同意?【請客戶回答：同意/不同意】\n\"","v":"\n貴保戶 先生/女士，請問您是否同意?【請客戶回答：同意/不同意】\n貴保戶 先生/女士，請問您是否同意?【請客戶回答：同意/不同意】\n"},{"$f":"\"\n\"&要保人&\" 先生/女士，請您唸出身分證字號為【提示:請等待客戶念出身分證字號\"&要保人身分證字號&\"，並進行核對】\"&\"\n\"&被保人&\" 先生/女士，請您唸出身分證字號為【提示:請等待客戶念出身分證字號\"&被保險人身分證字號&\"，並進行核對】\"","v":"\n貴保戶 先生/女士，請您唸出身分證字號為【提示:請等待客戶念出身分證字號，並進行核對】\n貴保戶 先生/女士，請您唸出身分證字號為【提示:請等待客戶念出身分證字號，並進行核對】"},{"$f":"\"\n\"&要保人&\" 先生/女士，請問是否正確?【請客戶回答：正確/不正確】\"&\"\n\"&被保人&\" 先生/女士，請問是否正確?【請客戶回答：正確/不正確】\n\"","v":"\n貴保戶 先生/女士，請問是否正確?【請客戶回答：正確/不正確】\n貴保戶 先生/女士，請問是否正確?【請客戶回答：正確/不正確】\n"},{"$f":"\"\n\"&要保人&\" 先生/女士，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\"&\"\n\"&被保人&\" 先生/女士，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n\"","v":"\n貴保戶 先生/女士，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n貴保戶 先生/女士，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n"},{"$f":"要保人&\"先生/女士，請進行聲明。\n【要保人】：\n我，\"&要保人& \"已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\n\n\"&\"【銷售人員】：\n\"&\n被保人&\"先生/女士，請進行聲明。\n【被保險人】：\n我，\"&被保人& \"已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\"&\"\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：___________________________________________________________\n\n客戶姓名：________簽署日期：_________錄影年份日期與時分：_________\"","v":"貴保戶先生/女士，請進行聲明。\n【要保人】：\n我，貴保戶已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\n\n【銷售人員】：\n貴保戶先生/女士，請進行聲明。\n【被保險人】：\n我，貴保戶已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：___________________________________________________________\n\n客戶姓名：________簽署日期：_________錄影年份日期與時分：_________"},null,null,null,null,null,null,"\n※倘要保人/被保人之聽力或語言表達能力不便，須改採以全程銷售錄影方式並經客戶同意，銷售錄影注意事項可洽詢保誠業務單位窗口，請該名客戶本人於銷售錄音範本之最後問項欄位簽署下列客戶親簽文字。\n《客戶親簽文字》\n「對於上述銷售人員逐項劃線說明之內容皆清楚並同意。***(客戶姓名)已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均由本人親自簽名投保。」之聲明文字，並且請客戶親簽姓名與簽署日期，以及註明啟動錄影時間的年份日期與時分。","\n※倘繳款人之聽力或語言表達能力不便，須改採以全程銷售錄影方式並經客戶同意，銷售錄影注意事項可洽詢保誠業務單位窗口，請該名客戶本人於銷售錄音範本之最後問項欄位簽署下列客戶親簽文字。\n《客戶親簽文字》\n「對於上述銷售人員逐項劃線說明之內容皆清楚並同意。***(客戶姓名)已充分了解本保單及相關風險，且已確認可負擔保費。」之聲明文字，並且請客戶親簽姓名與簽署日期，以及註明啟動錄影時間的年份日期與時分。"]
["錄音程序二","撥打錄音專線0809-070-898",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,{"$f":"要保人姓名&\"先生/女士，\"","v":"貴保戶先生/女士，"},{"$f":"\"請問您是否同意?【請客戶回答：同意/不同意】\n\n\"","v":"請問您是否同意?【請客戶回答：同意/不同意】\n\n"},{"$f":"\"請您唸出身分證字號為【提示:請等待客戶念出身分證字號\"&要保人身分證字號&\"，並進行核對】\"","v":"請您唸出身分證字號為【提示:請等待客戶念出身分證字號，並進行核對】"},{"$f":"\"請問是否正確?【請客戶回答：正確/不正確】\n\n\"","v":"請問是否正確?【請客戶回答：正確/不正確】\n\n"},{"$f":"\"請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n\"","v":"請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n"},{"$f":"\"【要保人】：\n我，\"&要保人姓名&\" 已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\"&\"\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：___________________________________________________________\n\n客戶姓名：________簽署日期：_________錄影年份日期與時分：_________\"","v":"【要保人】：\n我，貴保戶 已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：___________________________________________________________\n\n客戶姓名：________簽署日期：_________錄影年份日期與時分：_________"}]
["錄音程序三","輸入要保人或錄音客戶ID後9碼或居留證後8碼加「#」",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,{"$f":"被保人&\" 先生/女士，\"","v":"貴保戶 先生/女士，"},{"$f":"\"請問您是否同意?【請客戶回答：同意/不同意】\n\n\"","v":"請問您是否同意?【請客戶回答：同意/不同意】\n\n"},{"$f":"\"請您唸出身分證字號為【提示:請等待客戶念出身分證字號\"&被保險人身分證字號&\"，並進行核對】\"","v":"請您唸出身分證字號為【提示:請等待客戶念出身分證字號，並進行核對】"},{"$f":"\"請問是否正確?【請客戶回答：正確/不正確】\n\n\"","v":"請問是否正確?【請客戶回答：正確/不正確】\n\n"},{"$f":"\"請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n\"","v":"請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n"},{"$f":"\"【被保險人】：\n我，\"&被保人&\" 已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\"&\"\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：___________________________________________________________\n\n客戶姓名：________簽署日期：_________錄影年份日期與時分：_________\"","v":"【被保險人】：\n我，貴保戶 已充分了解本保單且確認符合本人需求，投保時應簽署之所有文件均以本人親自簽名方式投保。\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：___________________________________________________________\n\n客戶姓名：________簽署日期：_________錄影年份日期與時分：_________"}]
["錄音程序四","嘟一聲後，開始宣讀錄音內容"]
["錄音程序五","錄音完成，按#字鍵"]
["錄音程序六","重聽留言按1，結束按3。","重聽留言按1，聽錄音序號按2，結束按3。"]
["錄音前作業提醒",{"$f":"\"重要提醒：\n※銷售錄音或錄影紀錄作業時，可口語化說明向當事人進行相關內容解說，不得僅依範本逐字宣讀，如客戶有不清楚的地方，請詳加說明。\n\"&\"※銷售錄音專線：0809-070-898，接著輸入要保人或錄音客戶身分證字號後9碼或居留證號後8碼加「#」，開始錄音。\"&\"\n\"&D1_高齡錄音資料檢核!D14","v":{"$error":"#N/A"}},"※銷售錄音專線：0809-070-898，接著輸入要保人或錄音客戶身分證字號後9碼或居留證號後8碼加「#」，開始錄音。",null,null,null,null,{"$f":"\"重要提醒：\n※銷售錄音或錄影紀錄作業時，可口語化說明向當事人進行相關內容解說，依錄音範本逐字唸完，保單利益請參考「錄音補充話術」，至少選擇二項向客戶說明並口語化解說一項，如客戶有不清楚的地方，請詳加說明。\n\"&\"※銷售錄音專線：0809-070-898，接著輸入要保人或錄音客戶身分證字號後9碼或居留證號後8碼加「#」，開始錄音。\"&D1_高齡錄音資料檢核!D14","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,{"$f":"\"重要提醒：\n※銷售錄音或錄影紀錄作業時，可口語化說明向當事人進行相關內容解說，不得僅依範本逐字宣讀，如客戶有不清楚的地方，請詳加說明。\n\"&\"※銷售錄音專線：0809-070-898，接著輸入要保人或錄音客戶身分證字號後9碼或居留證號後8碼加「#」，開始錄音。\"&\"\n\"&D1_高齡錄音資料檢核!D15","v":{"$error":"#N/A"}},null,null,null,null,null,"重要提醒：\n※銷售錄音或錄影紀錄作業時，可口語化說明向當事人進行相關內容解說，依錄音範本逐字唸完，保單利益請參考「錄音補充話術」選擇二項向客戶說明並口語化解說一項，如客戶有不清楚的地方，請詳加說明。\n※銷售錄音專線：0809-070-898，接著輸入要保人或錄音客戶身分證字號後9碼或居留證號後8碼加「#」，開始錄音。※本保單要保人、被保險人、繳款人保險年齡達65歲(含)以上，故需對要保人、被保險人、繳款人共三人進行錄音。\n※要/被保險人錄音話術稿請至「要保人/被保險人高齡錄音話術範本」。"]
["錄音後作業提醒","※請續進行下表繳款人錄音。",{"$f":"IF(_xlfn.IFNA(VLOOKUP(服務公司,錄音序號適用通路,1,FALSE)<>\"\",FALSE),\"※錄音結束請按「#」鍵。回聽錄音按1，聽錄音序號按2，結束錄音按3。\",\"※錄音結束請按「#」鍵。回聽錄音按1，結束錄音按3。\")&\"\n※完成錄音，請將開始錄音之日期及時間註記於業務員報告書。\"","v":"※錄音結束請按「#」鍵。回聽錄音按1，結束錄音按3。\n※完成錄音，請將開始錄音之日期及時間註記於業務員報告書。"},"※錄音結束請按「#」鍵。回聽錄音按1，聽錄音序號按2，結束錄音按3。\n※完成錄音，請將錄音序號註記於業務員報告書。"]
["錄音序號1_錄音取得要保人同意錄音及說明係購買保險商品",{"$f":"\"【銷售人員】：\n\"&錄音序號1_確認語_1&\" 您好！我是服務於\"&IF(服務單位檢核,服務單位&\" ，登錄於欣台保險經紀人 \",服務公司&保經保代&\" \")&\"的\"&業務員_1&\" ，業務員登錄證字號是\" &登錄字號_1&\" 。\"&\nIF(雙招選項=\"是\",\"\n【第二招攬業務員】：您好！我是服務於\"&IF(服務單位檢核,服務單位&\" ，登錄於欣台保險經紀人 \",服務公司&保經保代&\" \")&\"的\"&業務員_2&\" ，業務員登錄字號是\"&登錄字號_2&\"。\",\"\")&\"\n\n根據法令規定，我將錄音記錄本次銷售過程，\"&錄音序號1_確認語_2&\n\"因本錄音內容與您投保資料有關，先向您確認本人身分，\"&錄音序號1_確認語_3","v":{"$error":"#N/A"}},{"$f":"\"您所購買的主約是保誠人壽保險公司發行的保險商品- \"&商品名稱&IFERROR(IF(FIND(\"兆豐\",服務公司),\" 。此保單是透『\"&服務公司&\"』代理銷售，且已獲『兆豐銀行保代處』授權招攬。\"),\"。此保單是透過本公司為行銷通路並代理銷售。\")&\"以下我將說明本商品內容及重要事項，請您聽完後逐一回答。\"","v":"您所購買的主約是保誠人壽保險公司發行的保險商品- 保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)。此保單是透過本公司為行銷通路並代理銷售。以下我將說明本商品內容及重要事項，請您聽完後逐一回答。"},{"$f":"\"【銷售人員】：\n\"&錄音序號1_確認語_1&\" 您好！我是服務於\"&服務公司&IF(OR(服務公司=\"花蓮一信\",服務公司=\"高雄三信\",服務公司=\"基隆二信\",服務公司=\"淡水一信\",服務公司=\"彰化一信\",服務公司=\"彰化五信\",服務公司=\"臺中二信\",服務公司=\"臺南三信\",服務公司=\"鹿港信用合作社\"),\"，登錄於欣台保險經紀人的\"&業務員_1,\" 的\"&業務員_1)&\" ，業務員登錄證字號是\" &登錄字號_1&\"。\"&\nIF(雙招=1,\"\n【第二招攬業務員】：您好！我是服務於\"&服務公司&\" \"&\"的\"&業務員_2&\" ，業務員登錄字號是\"&登錄字號_2&\"。\",\"\")&\n\" \n根據法令規定，我將錄音記錄本次銷售過程，\"&錄音序號1_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"因本錄音內容與您投保資料有關，先向您確認本人身分，\"&錄音序號1_確認語_3","v":{"$error":"#N/A"}},null,null,null,null,null,null,{"$f":"VLOOKUP(要被保人話術稿判斷,'B2_錄音程序&共同文字'!$AD$1:$AI$4,2,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(要被保人話術稿判斷,'B2_錄音程序&共同文字'!$AD$1:$AI$4,3,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(要被保人話術稿判斷,'B2_錄音程序&共同文字'!$AD$1:$AI$4,4,FALSE)","v":{"$error":"#N/A"}},null,{"$f":"\"【銷售人員】：\n\"&繳款人&\" 先生/女士，您好！我是服務於\"&IF(服務單位檢核,服務單位&\" ，登錄於欣台保險經紀人 \",服務公司&保經保代&\" \")&\"的\"&業務員_1&\" ，業務員登錄證字號是\" &登錄字號_1&\" 。\"&\nIF(雙招選項=\"是\",\"\n【第二招攬業務員】：您好！我是服務於\"&IF(服務單位檢核,服務單位&\" ，登錄於欣台保險經紀人 \",服務公司&保經保代&\" \")&\"的\"&業務員_2&\" ，業務員登錄字號是\"&登錄字號_2&\"。\",\"\")&\"\n\n根據法令規定，我將錄音記錄本次銷售過程，請問您是否同意?【請客戶回答：同意/不同意】\"&\n\"\n因本錄音內容與您代為繳費的投保資料有關，先向您確認本人身分，請您唸出身分證字號為【提示:請等待客戶念出身分證字號\"&繳款人身分證字號&\"，並進行核對】\"","v":"【銷售人員】：\n貴保戶 先生/女士，您好！我是服務於 的 ，業務員登錄證字號是 。\n\n根據法令規定，我將錄音記錄本次銷售過程，請問您是否同意?【請客戶回答：同意/不同意】\n因本錄音內容與您代為繳費的投保資料有關，先向您確認本人身分，請您唸出身分證字號為【提示:請等待客戶念出身分證字號，並進行核對】"},{"$f":"\"您代為繳交保費的主約是保誠人壽保險公司發行的保險商品- \"&商品名稱&IFERROR(IF(FIND(\"兆豐銀行\",服務公司),\" 。此保單是透『\"&服務公司&\"』代理銷售，且已獲『兆豐銀行保代處』授權招攬。\"),\"。此保單是透過本公司為行銷通路並代理銷售。\")&\"以下我將說明本保單內容及重要事項，請您聽完後逐一回答。\"","v":"您代為繳交保費的主約是保誠人壽保險公司發行的保險商品- 保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)。此保單是透過本公司為行銷通路並代理銷售。以下我將說明本保單內容及重要事項，請您聽完後逐一回答。"},{"$f":"\"【銷售人員】：\n\"&繳款人&\" 先生/女士，您好！我是服務於\"&服務公司&IF(OR(服務公司=\"花蓮一信\",服務公司=\"高雄三信\",服務公司=\"基隆二信\",服務公司=\"淡水一信\",服務公司=\"彰化一信\",服務公司=\"彰化五信\",服務公司=\"臺中二信\",服務公司=\"臺南三信\",服務公司=\"鹿港信用合作社\"),\"，登錄於欣台保險經紀人的\"&業務員_1,\" 的\"&業務員_1)&\" ，業務員登錄證字號是\" &登錄字號_1&\"。\"&\nIF(雙招=1,\"\n【第二招攬業務員】：您好！我是服務於\"&服務公司&\" \"&\"的\"&業務員_2&\" ，業務員登錄字號是\"&登錄字號_2&\"。\",\"\")&\n\" \n根據法令規定，我將錄音記錄本次銷售過程。請問您是否同意?【請客戶回答：同意/不同意】）\"","v":"【銷售人員】：\n貴保戶 先生/女士，您好！我是服務於 的 ，業務員登錄證字號是。 \n根據法令規定，我將錄音記錄本次銷售過程。請問您是否同意?【請客戶回答：同意/不同意】）"},{"$f":"\"因本錄音內容與您投保資料有關，先向您確認本人身分，請您唸出身分證字號為\"&繳款人身分證字號&\"。（請等待客戶念完身分證字號）\"","v":"因本錄音內容與您投保資料有關，先向您確認本人身分，請您唸出身分證字號為。（請等待客戶念完身分證字號）"}]
["錄音序號2_告知繳費年期與繳費金額",{"$f":"\"【銷售人員】：\n您投保本保單的目的及需求為 \"&投保目的及需求&\"【提示:請與業務員報告書一致】，您於投保時應簽署之所有文件均會由本人親自簽名投保，並確認本保單商品符合您的需求，\"&錄音序號_確認語_1&\"\n您選擇投保主約保額為 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)=\"元\",幣別&TEXT(主約保險金額,\"#,###\")&\"元\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)&TEXT(保額,\"#,###\")) &\"，繳費年期為 \"&繳費年期&\"年，保障年期 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,18,0)=\"\",保障年期&\"年\",VLOOKUP(商品名稱, B1_解約金商品錄音話術table!B:V,18,0))&\"，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"您選擇的繳別為\"&繳別& \"，本期繳交保費為\" &幣別 &TEXT(折扣後保費*IF(繳別=\"月繳\",2,1),\" #,###\")&\" 元，\"&IF(OR(繳別=\"躉繳\",繳別=\"年繳\"),\"您已確認可負擔此保費，\"&錄音序號_確認語_1,\"每年需繳交保費之保費總計為\"&幣別 &TEXT(折扣後保費*繳費頻率,\" #,###\")& \" 元，您已確認可負擔此保費，\"&錄音序號_確認語_1)","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n您投保本保單的目的及需求為 \"&投保目的及需求&\"【提示:請與業務員報告書一致】，您於投保時應簽署之所有文件均會由本人親自簽名投保，並確認本保單商品符合您的需求，\"&錄音序號_確認語_1","v":{"$error":"#N/A"}},{"$f":"\"您選擇投保主約保額為 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)=\"元\",幣別&TEXT(主約保險金額,\"#,###\")&\"元\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)&TEXT(保額,\"#,###\")) &\"，繳費年期為 \"&繳費年期&\"年，保障年期 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,18,0)=\"\",保障年期&\"年\",VLOOKUP(商品名稱, B1_解約金商品錄音話術table!B:V,18,0))&\"，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,{"$f":"\"【銷售人員】：\n您投保本保單的目的及需求為 \"&投保目的及需求&\" (請與業務員報告書一致)，各項投保相關文件都是經您親自簽名，並確認本保單商品滿足您的需求，且符合您的財力及風險承擔能力，沒有受任何誘導以貸款、解約、保單借款買保險的情形，\"&錄音序號_確認語_1&\"\n您選擇投保主約保額為 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!$B:$V,17,0)=\"元\",幣別&TEXT(保額,\"#,###\")&\"元\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!$B:$V,17,0)&TEXT(保額,\"#,###\")) &\"，繳費年期為 \"&繳費年期&\"年，保障年期 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!$B:$V,18,0)=\"\",保障年期&\"年\",VLOOKUP(商品名稱, B1_解約金商品錄音話術table!$B:$V,18,0))&\"，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,"您已確實了解此次投保之保險產品繳費年期為___年，每年繳費金額為台幣/美元_______元，請問正確或不正確？(2年繳以上產品適用)",{"$f":"VLOOKUP(要被保人話術稿判斷,'B2_錄音程序&共同文字'!$AD$1:$AI$4,5,FALSE)","v":{"$error":"#N/A"}},{"$f":"VLOOKUP(要被保人話術稿判斷,'B2_錄音程序&共同文字'!$AD$1:$AI$4,6,FALSE)","v":{"$error":"#N/A"}},null,{"$f":"IF(D1_高齡錄音資料檢核!C16=4,D1_高齡錄音資料檢核!D16,IFERROR(IF(FIND(\"企\",服務公司)*FIND(\"銀\",服務公司),錄音序號3_開頭語_臺企版&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:N,12,0)),IFERROR(IF(FIND(\"兆豐\",服務公司),錄音序號3_開頭語_兆豐版&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:W,21,0)),IFERROR(IF(FIND(\"第一\",服務公司),錄音序號3_開頭語&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:X,22,0)),IFERROR(IF(FIND(\"花旗\",服務公司),錄音序號3_開頭語&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:AC,23,0)),IFERROR(IF(FIND(\"星展\",服務公司),錄音序號3_開頭語&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:AC,23,0)),錄音序號3_開頭語&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:N,12,0)))))))","v":"※本保單要保人、被保險人不需錄音。"},{"$f":"\"【銷售人員】：\n本保單主約保額為 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)=\"元\",幣別&TEXT(主約保險金額,\"#,###\")&\"元\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)&TEXT(保額,\"#,###\")) &\"，繳費年期為 \"&繳費年期&\"年，保障年期 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,18,0)=\"\",保障年期&\"年\",VLOOKUP(商品名稱, B1_解約金商品錄音話術table!B:V,18,0))&\"，請問您清楚嗎?【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n本保單主約保額為 美元100,000元，繳費年期為 6年，保障年期 至被保險人保險年齡達110歲當年之保單週年日，請問您清楚嗎?【請客戶回答：清楚/不清楚】"},{"$f":"\"本保單保險費為\"&繳別& \"，本期繳交保費為\" &幣別 &TEXT(折扣後保費*IF(繳別=\"月繳\",2,1),\" #,###\")&\" 元，\"&IF(OR(繳別=\"躉繳\",繳別=\"年繳\"),\"您已確認可負擔此保費，請問是否正確?【請客戶回答：正確/不正確】\",\"每年需繳交保費之保費總計為\"&幣別 &TEXT(折扣後保費*繳費頻率,\" #,###\")& \" 元，您已確認可負擔此保費，請問是否正確?【請客戶回答：正確/不正確】\")","v":"本保單保險費為年繳，本期繳交保費為美元 10,038 元，您已確認可負擔此保費，請問是否正確?【請客戶回答：正確/不正確】"},{"$f":"\"【銷售人員】：\n您投保本保單的目的及需求為 \"&投保目的及需求&\"  ，您於投保時應簽署之所有文件均會由本人親自簽名投保，並確認本保單商品滿足您的需求，請問是否正確?【請客戶回答：正確/不正確】 \"","v":"【銷售人員】：\n您投保本保單的目的及需求為   ，您於投保時應簽署之所有文件均會由本人親自簽名投保，並確認本保單商品滿足您的需求，請問是否正確?【請客戶回答：正確/不正確】 "},{"$f":"\"您選擇投保主約保額為 \"&幣別&TEXT(主約保險金額,\"#,###\")&\"元，\"&\"繳費年期為 \"&繳費年期&\"年\"&\"，保障年期 \"&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,18,0)&\"，請問您清楚嗎？【請客戶回答：清楚/不清楚】\"","v":"您選擇投保主約保額為 美元100,000元，繳費年期為 6年，保障年期 至被保險人保險年齡達110歲當年之保單週年日，請問您清楚嗎？【請客戶回答：清楚/不清楚】"},null,null,null,{"$f":"\"【銷售人員】：\n此次代為繳交保費之本保單符合您的財力及風險承擔能力，沒有受任何誘導以貸款、解約、保單借款買保險的情形，請問是否正確?【請客戶回答：正確/不正確】\"&\"\n您選擇投保主約保額為 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)=\"元\",幣別&TEXT(保額,\"#,###\")&\"元\",VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,17,0)&TEXT(保額,\"#,###\")) &\"，繳費年期為 \"&繳費年期&\"年，保障年期 \"&IF(VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:V,18,0)=\"\",保障年期&\"年\",VLOOKUP(商品名稱, B1_解約金商品錄音話術table!B:V,18,0))","v":"【銷售人員】：\n此次代為繳交保費之本保單符合您的財力及風險承擔能力，沒有受任何誘導以貸款、解約、保單借款買保險的情形，請問是否正確?【請客戶回答：正確/不正確】\n您選擇投保主約保額為 美元100,000元，繳費年期為 6年，保障年期 至被保險人保險年齡達110歲當年之保單週年日"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"\n您此次投保的保費來源為*****【提示：請參考業務員報告書勾選內容念出】，\n請問是否正確？【請客戶回答：正確/不正確】\"&\"\n\n【※提示：若「保費來源」來自於「保單解約金」加問下列兩題】\n1. 以保單解約金投保本商品，是出自於您本人的意思，並非其他人請您這樣做，請問是否正確？【請客戶回答：正確/不正確】\"&\"\n\n2. 原保單解約可能會有損失及費用，領回的解約金可能低於您過去所繳的保費、保障內容也會中斷，如果再重新投保，會依投保時的年齡、身體狀況及商品條件重新計算保費，請問您清楚嗎？【請客戶回答：清楚/不清楚】\"&\"\n\n【※提示：若「保費來源」來自於「定存解約」加問下列兩題】\n1. 以定存解約投保本商品，是出自於您本人的意思，並非其他人請您這樣做，請問是否正確？【請客戶回答：正確/不正確】\"&\"\n\n2. 因您本次投保的保費來源為定存解約，定存中途解約利息會打折，領到的利息可能會減少，請問您清楚嗎？【請客戶回答：清楚/不清楚】\"","v":"\n您此次投保的保費來源為*****【提示：請參考業務員報告書勾選內容念出】，\n請問是否正確？【請客戶回答：正確/不正確】\n\n【※提示：若「保費來源」來自於「保單解約金」加問下列兩題】\n1. 以保單解約金投保本商品，是出自於您本人的意思，並非其他人請您這樣做，請問是否正確？【請客戶回答：正確/不正確】\n\n2. 原保單解約可能會有損失及費用，領回的解約金可能低於您過去所繳的保費、保障內容也會中斷，如果再重新投保，會依投保時的年齡、身體狀況及商品條件重新計算保費，請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n【※提示：若「保費來源」來自於「定存解約」加問下列兩題】\n1. 以定存解約投保本商品，是出自於您本人的意思，並非其他人請您這樣做，請問是否正確？【請客戶回答：正確/不正確】\n\n2. 因您本次投保的保費來源為定存解約，定存中途解約利息會打折，領到的利息可能會減少，請問您清楚嗎？【請客戶回答：清楚/不清楚】"}]
["錄音序號3_說明商品重要條款、除外責任、商品說明書內容","【銷售人員】：\n如銷售過程中說明，\n",{"$f":"IF(繳別=\"躉繳\",'B4_解約型-重要條款'!B3&錄音序號_確認語_2,'B4_解約型-重要條款'!B2&錄音序號_確認語_2)","v":{"$error":"#N/A"}},null,null,null,"【銷售人員】：\n本商品之保險單條款樣張已事先交付給您，您已審閱本商品契約重要內容，並已瞭解契約各項給付條件。\n如銷售過程中說明，\n","【銷售人員】：\n如銷售過程中說明，\n(保單利益，請參考\"錄音補充話術\"，選擇二項向客戶說明)\n",null,{"$f":"\"就保單條款中重要條款內容（例如契約效力的停止、恢復及終止事由、告知義務與本契約解除等事項），\"&錄音序號_確認語_2&\"試算表中所說明本契約保障內容及各項保險金給付等內容，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"IF(D1_高齡錄音資料檢核!C17=2,D1_高齡錄音資料檢核!D18,IFERROR(IF(FIND(\"企\",服務公司)*FIND(\"銀\",服務公司),錄音序號3_開頭語_臺企版_繳款人&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!$B:$AF,31,0)),IFERROR(IF(FIND(\"兆豐\",服務公司),錄音序號3_開頭語_兆豐版_繳款人&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!$B:$AI,31,0)),IFERROR(IF(FIND(\"第一\",服務公司),錄音序號3_開頭語_繳款人&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!$B:$AL,34,0)),IFERROR(IF(FIND(\"花旗\",服務公司),錄音序號3_開頭語_繳款人&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:AC,23,0)),IFERROR(IF(FIND(\"星展\",服務公司),錄音序號3_開頭語_繳款人&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:AC,23,0)),錄音序號3_開頭語_繳款人&VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:AF,28,0)))))))","v":"※本保單繳款人不需錄音。"},"【銷售人員】：\n如銷售過程中說明，\n",{"$f":"IF(繳別=\"躉繳\",'B4_解約型-重要條款'!C3,'B4_解約型-重要條款'!C2)","v":"本保單如果沒有依契約約定繳交第二期以後保費，或償還保單借款本息，契約將停止效力。契約停止效力後，要保人可以在停效日起二年內申請復效。但如果保險期間屆滿後就不能提出申請復效，請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n其他重要條款內容，如:保險期間、影響契約效力事由、告知義務與契約解除、保險事故之通知與義務、保險單變更及借款、請求權消滅時效等已向您清楚說明，請問您清楚嗎？【請客戶回答：清楚/不清楚】"},null,null,null,"【銷售人員】：\n本商品之保險單條款樣張已事先交付給您，您已審閱本商品契約重要內容，並已瞭解契約各項給付條件。\n如銷售過程中說明，\n","【銷售人員】：\n如銷售過程中說明，\n【保單利益，請參考\"錄音補充話術\"，選擇二項向客戶說明】\n",null,"就保單條款中重要條款內容（例如契約效力的停止、恢復及終止事由、告知義務與本契約解除等事項），請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n試算表中所說明本契約保障內容及各項保險金給付等內容，請問您清楚嗎？【請客戶回答：清楚/不清楚】"]
["錄音序號4_說明保單相關風險",{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$B$33,2,FALSE),'B2_錄音程序&共同文字'!B22)","v":{"$error":"#N/A"}},{"$f":"IF(通路別=\"BD\",\"本保單為保險商品，不是定存的替代品，\"&錄音序號_確認語_2,\"本保單為保險商品，不是定存的替代品，也不受存款保險的保障，\"&錄音序號_確認語_2)&\"人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理。\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$J$33,9,FALSE),'B2_錄音程序&共同文字'!I22)&\"人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理。\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$J$33,10,FALSE),'B2_錄音程序&共同文字'!J22)&\"人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理。\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$K$33,11,FALSE),'B2_錄音程序&共同文字'!K22)&\"人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理。\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$C$33,3,FALSE),C22)","v":"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎? 【請客戶回答：清楚/不清楚】"},{"$f":"IF(通路別=\"BD\",\"本保單為保險商品，不是定存的替代品，請問您清楚嗎？【請客戶回答：清楚/不清楚】\",\"本保單為保險商品，不是定存的替代品，也不受存款保險的保障，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】\")&\"\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】\"","v":"本保單為保險商品，不是定存的替代品，也不受存款保險的保障，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"},null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$Y$100,23,FALSE),'B2_錄音程序&共同文字'!W22)&\"\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【提示:請等待客戶回答】\"","v":"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【提示:請等待客戶回答】"},{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$Y$33,24,FALSE),'B2_錄音程序&共同文字'!X22)&\"\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"}]
["錄音序號5_契撤期說明",{"$f":"\"【銷售人員】：\n自簽收保單隔日起算，要保人有10日撤銷契約的權益，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"【銷售人員】：\n自簽收保單隔日起算，要保人有10日撤銷契約的權益，請問您清楚嗎？【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n自簽收保單隔日起算，要保人有10日撤銷契約的權益，請問您清楚嗎？【請客戶回答：清楚/不清楚】"},null,null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$Y$100,23,FALSE),'B2_錄音程序&共同文字'!W22)&\"\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"},{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$Y$100,23,FALSE),'B2_錄音程序&共同文字'!W22)&\"\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"},{"$f":"IFERROR(VLOOKUP(商品名稱,'B2_錄音程序&共同文字'!$A$23:$Y$100,25,FALSE),'B2_錄音程序&共同文字'!Y22)&\"\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為6年，每年繳費金額為美元 10,038元，您是否知悉？【請客戶回答：清楚/不清楚】\n\n人壽保險的死亡給付於被保險人死亡後給付於指定受益人者，依保險法相關規定不能作為被保險人遺產，若有涉及規避遺產稅等稅捐時，稽徵機關可以依據有關稅法或實質課稅原則相關規定辦理，請問您清楚嗎？ 【請客戶回答：清楚/不清楚】"}]
["錄音序號6_要保人聲明",{"$f":"IFERROR(IF(FIND(\"花旗\",服務公司),VLOOKUP(商品類別,B3_解約金商品相關風險話術table!G:J,4,FALSE)),IFERROR(IF(FIND(\"星展\",服務公司),VLOOKUP(商品類別,B3_解約金商品相關風險話術table!G:J,4,FALSE)),VLOOKUP(商品類別,B3_解約金商品相關風險話術table!G:I,3,FALSE)))","v":"【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書、匯率風險說明書、客戶適合度調查評估表等均會以本人親自簽名方式投保。"},{"$f":"VLOOKUP(要被保人話術稿判斷,'B2_錄音程序&共同文字'!$AD$1:$AJ$4,7,FALSE)","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,null,"【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認繳費意願。",{"$f":"\"【繳款人】：\n我，\"&繳款人&\" 已充分了解本保單及相關風險，且已確認可負擔保費。\"&\"\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：______________________________________________________________\n\n客戶姓名：__________簽署日期：___________錄影年份日期與時分：___________\"","v":"【繳款人】：\n我，貴保戶 已充分了解本保單及相關風險，且已確認可負擔保費。\n\n\n\n※以下僅供聽力或語言表達能力不便客戶簽署聲明、姓名與日期欄位：\n\n客戶聲明：______________________________________________________________\n\n客戶姓名：__________簽署日期：___________錄影年份日期與時分：___________"}]
[]
[]
[]
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[]
[null,"要被保險人","繳款人"]
[null,{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎? 【請客戶回答：清楚/不清楚】"},null,null,null,null,null,{"$f":"\"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存，\"&錄音序號_確認語_2&\"\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費，\"&錄音序號_確認語_2&\"\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，\"\n&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費，請問您清楚嗎? 【請客戶回答：清楚/不清楚】","【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎？【請客戶回答：清楚/不清楚】",{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，您是否知悉？【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為6年，每年繳費金額為美元 10,038元，您是否知悉？【請客戶回答：清楚/不清楚】"}]
["保誠人壽福企滿滿外幣終身保險",{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎? 【請客戶回答：清楚/不清楚】"},null,null,null,null,null,{"$f":"\"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存，\"&錄音序號_確認語_2&\"\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費，\"&錄音序號_確認語_2&\"\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，\"\n&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費，請問您清楚嗎? 【請客戶回答：清楚/不清楚】","【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者，請問您清楚嗎？【請客戶回答：清楚/不清楚】",{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，您是否知悉？【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為6年，每年繳費金額為美元 10,038元，您是否知悉？【請客戶回答：清楚/不清楚】"}]
["保誠人壽創富御守外幣終身保險",{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「特定傷病保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「特定傷病保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「特定傷病保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】"},null,null,null,null,null,{"$f":"\"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費;給付「特定傷病保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「特定傷病保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存，\"&錄音序號_確認語_2&\"\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費；給付「特定傷病保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2&\"\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，\"\n&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費;給付「特定傷病保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n","【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「特定傷病保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】",{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費;給付「特定傷病保險金」後，保單解約金將有所變動，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，您是否知悉？【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費;給付「特定傷病保險金」後，保單解約金將有所變動，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為6年，每年繳費金額為美元 10,038元，您是否知悉？【請客戶回答：清楚/不清楚】"}]
["保誠人壽橘享樂外幣終身壽險",{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「認知功能障礙保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「認知功能障礙保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「認知功能障礙保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】"},null,null,null,null,null,{"$f":"\"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費;給付「認知功能障礙保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。\"&錄音序號_確認語_2&\"\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「認知功能障礙保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存，\"&錄音序號_確認語_2&\"\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費;給付「認知功能障礙保險金」後，保單解約金將有所變動，\"&錄音序號_確認語_2&\"\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},null,null,null,null,null,null,null,null,null,null,null,"【銷售人員】：\n本保單為保險商品，非屬存款，也不受存款保險的保障，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費;給付「認知功能障礙保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n\n","【銷售人員】：\n本商品為保險商品，受人身保險安定基金保障，並非存款項目，故不受存款保險之保障。請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n\n投保後解約或不繼續繳費，解約金可能會少於已繳交之保險費且可能不利消費者;給付「認知功能障礙保險金」後，保單解約金將有所變動，請問您清楚嗎? 【請客戶回答：清楚/不清楚】",{"$f":"\"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費;給付「認知功能障礙保險金」後，保單解約金將有所變動，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為\"&繳費年期&\"年，每年繳費金額為\"&幣別&TEXT(Premium*繳費頻率,\" #,###\")&\"元，您是否知悉？【請客戶回答：清楚/不清楚】\"","v":"【銷售人員】：\n您是否清楚本次繳交之保險費用係用以購買保險商品，非辦理定存？【請客戶回答：清楚/不清楚】\n\n本保險商品具有解約金，若中途解約或不繼續繳費，解約金可能低於已繳保費;給付「認知功能障礙保險金」後，保單解約金將有所變動，您是否清楚？【請客戶回答：清楚/不清楚】\n\n此次投保之保險產品繳費年期為6年，每年繳費金額為美元 10,038元，您是否知悉？【請客戶回答：清楚/不清楚】"}]

{"sheet":"B3_解約金商品相關風險話術table","index":7,"n_rows":11,"n_cols":10,"rows_kept":11,"cut":false,"hidden":true,"merged":[]}
["判斷值","風險項目","風險話術","風險話術-ePOS","風險話術-繳款人",{"$f":"VLOOKUP(商品名稱,B1_解約金商品錄音話術table!$B:$Y,24,FALSE)","v":"RF1"},"判斷值","保單類型","風險話術","風險話術（星展／花旗）"]
["#分紅類型#=\"R\" or \"\"C\"","分紅風險",{"$f":"\"本保單為分紅商品，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本保單為分紅商品，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},"\n本保單為分紅商品，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準，請問您清楚嗎? 【請客戶回答：清楚/不清楚】",null,"RL","分紅-台幣","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書摘要表等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書等均會以本人親自簽名方式投保。"]
["#商品幣別#<>\"NT$\"","匯率風險",{"$f":"\"本保單收取保險費及支付各項保險金均以\"&幣別&\"計價，若您自行換回新台幣，須承擔匯率風險。\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本保單收取保險費及支付各項保險金均以\"&幣別&\"計價，若您自行換回新台幣，須承擔匯率風險。\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"本保單收取保險費及支付各項保險金均以\"&幣別&\"計價，若您自行換回新台幣，須承擔匯率風險，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\"","v":"本保單收取保險費及支付各項保險金均以美元計價，若您自行換回新台幣，須承擔匯率風險，請問您清楚嗎? 【請客戶回答：清楚/不清楚】"},null,"RF","分紅-外幣","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書摘要表、匯率風險說明書、客戶適合度調查評估表等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書、匯率風險說明書、客戶適合度調查評估表均會以本人親自簽名方式投保。"]
["#分紅類型#=\"H\"","綜合險分紅",{"$f":"\"本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險健康保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險健康保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},"\n本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險健康保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，請問您清楚嗎? 【請客戶回答：清楚/不清楚】\n",null,"NL","非分紅-台幣","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書等均會以本人親自簽名方式投保。"]
["#分紅類型#=\"I\"","綜合險分紅_傷害",{"$f":"\"本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險傷害保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險傷害保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},"\n本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險傷害保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，請問您清楚嗎? 【請客戶回答：清楚/不清楚】",null,"NF","非分紅-外幣","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願,並確認所有文件如要保書、匯率風險說明書、客戶適合度調查評估表等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願,並確認所有文件如要保書、匯率風險說明書、客戶適合度調查評估表等均會以本人親自簽名方式投保。"]
["#分紅類型#=\"HI\"","綜合險分紅_健康與傷害",{"$f":"\"本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險健康保險及傷害保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險健康保險及傷害保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},"\n\n本保險人壽保險部分為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準；本保險健康保險及傷害保險部分為不分紅保險，不參加紅利分配，並無紅利給付項目，請問您清楚嗎? 【請客戶回答：清楚/不清楚】",null,"IL","投資型-台幣","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願,並確認所有文件如要保書、建議書、投資取向分析問卷及基金風險預告書等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願,並確認所有文件如要保書、建議書、投資取向分析問卷及基金風險預告書等均會以本人親自簽名方式投保。"]
["#分紅類型#=\"R1\" or \"\"C1\"","分紅風險1",{"$f":"\"本保險為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準，在最極端的情況下，紅利可能為零，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},{"$f":"\"【銷售人員】：\n本保險為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準，在最極端的情況下，紅利可能為零，\"&錄音序號_確認語_2","v":{"$error":"#N/A"}},"\n本保險為分紅保險，保單紅利是預估值，紅利給付的金額不保證也不固定，是依實際宣告分紅金額為準，在最極端的情況下，紅利可能為零，請問您清楚嗎? 【請客戶回答：清楚/不清楚】",null,"IF","投資型-外幣","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願,並確認所有文件如要保書、建議書、投資取向分析問卷及基金風險預告書等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願,並確認所有文件如要保書、建議書、投資取向分析問卷及基金風險預告書等均會以本人親自簽名方式投保。"]
[null,null,null,null,null,null,"O","鑫想事成","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願,並確認所有文件如要保書、建議書、投資取向分析問卷及基金風險預告書等均會以本人親自簽名方式投保。"]
[null,null,null,null,null,null,"T","福企滿滿","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書摘要表、匯率風險說明書、客戶適合度調查評估表等均會以本人親自簽名方式投保。"]
[null,null,null,null,null,null,"RL1","分紅-台幣1","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書等均會以本人親自簽名方式投保。"]
[null,null,null,null,null,null,"RF1","分紅-外幣1","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書、匯率風險說明書、客戶適合度調查評估表等均會以本人親自簽名方式投保。","【銷售人員】：\n最後請您念出以下聲明文字以確認您瞭解本商品並願意承擔相關風險與確認投保意願，並確認所有文件如要保書、建議書、匯率風險說明書、客戶適合度調查評估表均會以本人親自簽名方式投保。"]

{"sheet":"B4_解約型-重要條款","index":8,"n_rows":3,"n_cols":3,"rows_kept":3,"cut":false,"hidden":true,"merged":[]}
[null,"錄音序號3_說明商品重要條款、除外責任、商品說明書內容","錄音序號3_說明商品重要條款、除外責任、商品說明書內容"]
["期繳",{"$f":"\"本保單如果沒有依契約約定繳交第二期以後保費，或償還保單借款本息，契約將停止效力。契約停止效力後，要保人可以在停效日起二年內申請復效。但如果保險期間屆滿後就不能提出申請復效。\"&錄音序號_確認語_2&\"\n其他重要條款內容，如:保險期間、影響契約效力事由、告知義務與契約解除、保險事故之通知與義務、保險單變更及借款、請求權消滅時效等已向您清楚說明，\"","v":{"$error":"#N/A"}},"本保單如果沒有依契約約定繳交第二期以後保費，或償還保單借款本息，契約將停止效力。契約停止效力後，要保人可以在停效日起二年內申請復效。但如果保險期間屆滿後就不能提出申請復效，請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n其他重要條款內容，如:保險期間、影響契約效力事由、告知義務與契約解除、保險事故之通知與義務、保險單變更及借款、請求權消滅時效等已向您清楚說明，請問您清楚嗎？【請客戶回答：清楚/不清楚】"]
["躉繳",{"$f":"\"本保單如果沒有依契約約定償還保單借款本息，契約將停止效力。契約停止效力後，要保人可以在停效日起二年內申請復效。但保險期間屆滿後就不能提出申請復效。\"&錄音序號_確認語_2&\"\n其他重要條款內容，如:保險期間、影響契約效力事由、告知義務與契約解除、保險事故之通知與義務、保險單變更及借款、請求權消滅時效等已向您清楚說明，\"","v":{"$error":"#N/A"}},"本保單如果沒有依契約約定償還保單借款本息，契約將停止效力。契約停止效力後，要保人可以在停效日起二年內申請復效。但保險期間屆滿後就不能提出申請復效，請問您清楚嗎？【請客戶回答：清楚/不清楚】\n\n其他重要條款內容，如:保險期間、影響契約效力事由、告知義務與契約解除、保險事故之通知與義務、保險單變更及借款、請求權消滅時效等已向您清楚說明，請問您清楚嗎？【請客戶回答：清楚/不清楚】"]

{"sheet":"B6_解約金附約ePOS調整","index":9,"n_rows":25,"n_cols":21,"rows_kept":25,"cut":false,"hidden":true,"merged":[]}
[]
[null,"附約對照","條款說明","序號"]
[null,"壽險_附約","說明商品重要條款內容、除外責任(壽險附約)",8]
[null,"健康險_附約","說明商品重要條款內容、除外責任(健康險附約)",7]
[null,"特定傷害險_附約","說明商品重要條款內容、除外責任(特定傷病險附約)",6]
[null,"癌症險_附約","說明商品重要條款內容、除外責任(癌症險附約)",5]
[null,"失能險_附約","說明商品重要條款內容、除外責任(失能險附約)",4]
[null,"長照險_附約","說明商品重要條款內容、除外責任(長照險附約)",3]
[null,"傷害險_附約","說明商品重要條款內容、除外責任(傷害險附約)",2]
[null,"豁免_附約","說明商品重要條款內容、除外責任(豁免險附約)",1]
[]
[]
[]
[]
["序號","No","名稱","類別","項目名稱","話術","話術",null,"序號","No","名稱","類別","項目名稱","話術","話術"]
[{"$f":"VALUE(IF(G16=\"N\",0,_xlfn.IFNA(VLOOKUP(D16,$B$3:$D$10,3,FALSE)&7,0)))","v":0},"附約1",{"$f":"IF(VALUE(資料輸入!L32)>0,資料輸入!D32,\"\")","v":""},{"$f":"IFERROR(VLOOKUP(C16,B1_解約金商品錄音話術table!B:Z,25,0),\"\")","v":""},{"$f":"IF(G16=\"N\",\"\",_xlfn.IFNA(VLOOKUP(D16,$B$3:$D$10,2,FALSE),\"\"))","v":""},{"$f":"IF(E16=\"\",\"\",\"【銷售人員】：\"&\nIF(附約一名稱<>\"\",IFERROR(VLOOKUP(C16,B1_解約金商品錄音話術table!B:M,12,0),\"\"),\"\"))","v":""},{"$f":"IF(IFERROR(VLOOKUP(C16,B1_解約金商品錄音話術table!B:N,12,0),\"\")=\"\",\"N\",\"Y\")","v":"N"},null,{"$f":"VALUE(IF(O16=\"N\",0,_xlfn.IFNA(VLOOKUP(L16,$B$3:$D$10,3,FALSE)&7,0)))","v":0},"附約1",{"$f":"C16","v":""},{"$f":"IFERROR(VLOOKUP(K16,B1_解約金商品錄音話術table!B:Z,25,0),\"\")","v":""},{"$f":"IF(O16=\"N\",\"\",_xlfn.IFNA(VLOOKUP(L16,$B$3:$D$10,2,FALSE),\"\"))","v":""},{"$f":"IF(M16=\"\",\"\",\"【銷售人員】：\n\"&\nIF(附約一名稱<>\"\",IFERROR(VLOOKUP(K16,B1_解約金商品錄音話術table!B:AC,28,0),\"\"),\"\"))","v":""},{"$f":"IF(IFERROR(VLOOKUP(K16,B1_解約金商品錄音話術table!B:AC,28,0),\"\")=\"\",\"N\",\"Y\")","v":"N"},null,{"$f":"RANK(A16,$A$16:$A$18,-1)","v":1},{"$f":"A16","v":0},null,{"$f":"RANK(I16,$I$16:$I$18,-1)","v":1},{"$f":"I16","v":0}]
[{"$f":"VALUE(IF(G17=\"N\",0,_xlfn.IFNA(VLOOKUP(D17,$B$3:$D$10,3,FALSE)&5,0)))","v":0},"附約2",{"$f":"IF(VALUE(資料輸入!L36)>0,資料輸入!D36,\"\")","v":""},{"$f":"IFERROR(VLOOKUP(C17,B1_解約金商品錄音話術table!B:Z,25,0),\"\")","v":""},{"$f":"IF(G17=\"N\",\"\",_xlfn.IFNA(VLOOKUP(D17,$B$3:$D$10,2,FALSE),\"\"))","v":""},{"$f":"IF(E17=\"\",\"\",\"【銷售人員】：\"&\nIF(附約一名稱<>\"\",IFERROR(VLOOKUP(C17,B1_解約金商品錄音話術table!B:M,12,0),\"\"),\"\"))","v":""},{"$f":"IF(IFERROR(VLOOKUP(C17,B1_解約金商品錄音話術table!B:N,12,0),\"\")=\"\",\"N\",\"Y\")","v":"N"},null,{"$f":"VALUE(IF(O17=\"N\",0,_xlfn.IFNA(VLOOKUP(L17,$B$3:$D$10,3,FALSE)&5,0)))","v":0},"附約2",{"$f":"C17","v":""},{"$f":"IFERROR(VLOOKUP(K17,B1_解約金商品錄音話術table!B:Z,25,0),\"\")","v":""},{"$f":"IF(O17=\"N\",\"\",_xlfn.IFNA(VLOOKUP(L17,$B$3:$D$10,2,FALSE),\"\"))","v":""},{"$f":"IF(M17=\"\",\"\",\"【銷售人員】：\n\"&\nIF(附約一名稱<>\"\",IFERROR(VLOOKUP(K17,B1_解約金商品錄音話術table!B:AC,28,0),\"\"),\"\"))","v":""},{"$f":"IF(IFERROR(VLOOKUP(K17,B1_解約金商品錄音話術table!B:AC,28,0),\"\")=\"\",\"N\",\"Y\")","v":"N"},null,{"$f":"RANK(A17,$A$16:$A$18,-1)","v":1},{"$f":"A17","v":0},null,{"$f":"RANK(I17,$I$16:$I$18,-1)","v":1},{"$f":"I17","v":0}]
[{"$f":"VALUE(IF(G18=\"N\",0,_xlfn.IFNA(VLOOKUP(D18,$B$3:$D$10,3,FALSE)&3,0)))","v":0},"附約3",{"$f":"IF(VALUE(資料輸入!L38)>0,資料輸入!D38,\"\")","v":""},{"$f":"IFERROR(VLOOKUP(C18,B1_解約金商品錄音話術table!B:Z,25,0),\"\")","v":""},{"$f":"IF(G18=\"N\",\"\",_xlfn.IFNA(VLOOKUP(D18,$B$3:$D$10,2,FALSE),\"\"))","v":""},{"$f":"IF(E18=\"\",\"\",\"【銷售人員】：\"&\nIF(附約一名稱<>\"\",IFERROR(VLOOKUP(C18,B1_解約金商品錄音話術table!B:M,12,0),\"\"),\"\"))","v":""},{"$f":"IF(IFERROR(VLOOKUP(C18,B1_解約金商品錄音話術table!B:N,12,0),\"\")=\"\",\"N\",\"Y\")","v":"N"},null,{"$f":"VALUE(IF(O18=\"N\",0,_xlfn.IFNA(VLOOKUP(L18,$B$3:$D$10,3,FALSE)&3,0)))","v":0},"附約3",{"$f":"C18","v":""},{"$f":"IFERROR(VLOOKUP(K18,B1_解約金商品錄音話術table!B:Z,25,0),\"\")","v":""},{"$f":"IF(O18=\"N\",\"\",_xlfn.IFNA(VLOOKUP(L18,$B$3:$D$10,2,FALSE),\"\"))","v":""},{"$f":"IF(M18=\"\",\"\",\"【銷售人員】：\n\"&\nIF(附約一名稱<>\"\",IFERROR(VLOOKUP(K18,B1_解約金商品錄音話術table!B:AC,28,0),\"\"),\"\"))","v":""},{"$f":"IF(IFERROR(VLOOKUP(K18,B1_解約金商品錄音話術table!B:AC,28,0),\"\")=\"\",\"N\",\"Y\")","v":"N"},null,{"$f":"RANK(A18,$A$16:$A$18,-1)","v":1},{"$f":"A18","v":0},null,{"$f":"RANK(I18,$I$16:$I$18,-1)","v":1},{"$f":"I18","v":0}]
[]
[]
[]
[{"$f":"IFERROR(VLOOKUP(3,$Q$16:$R$18,2,0),0)","v":0},{"$f":"VLOOKUP(A22,$A$16:$F$19,5,FALSE)","v":""},{"$f":"VLOOKUP(A22,$A$16:$F$19,6,FALSE)","v":""},null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(3,$T$16:$U$18,2,0),0)","v":0},{"$f":"VLOOKUP(I22,$I$16:$N$19,5,FALSE)","v":""},{"$f":"VLOOKUP(I22,$I$16:$N$19,6,FALSE)","v":""}]
[{"$f":"IFERROR(VLOOKUP(2,$Q$16:$R$18,2,0),0)","v":0},{"$f":"VLOOKUP(A23,$A$16:$F$19,5,FALSE)","v":""},{"$f":"VLOOKUP(A23,$A$16:$F$19,6,FALSE)","v":""},null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(2,$T$16:$U$18,2,0),0)","v":0},{"$f":"VLOOKUP(I23,$I$16:$N$19,5,FALSE)","v":""},{"$f":"VLOOKUP(I23,$I$16:$N$19,6,FALSE)","v":""}]
[{"$f":"IFERROR(VLOOKUP(1,$Q$16:$R$18,2,0),0)","v":0},{"$f":"VLOOKUP(A24,$A$16:$F$19,5,FALSE)","v":""},{"$f":"VLOOKUP(A24,$A$16:$F$19,6,FALSE)","v":""},null,null,null,null,null,{"$f":"IFERROR(VLOOKUP(1,$T$16:$U$18,2,0),0)","v":0},{"$f":"VLOOKUP(I24,$I$16:$N$19,5,FALSE)","v":""},{"$f":"VLOOKUP(I24,$I$16:$N$19,6,FALSE)","v":""}]
[null,{"$f":"VLOOKUP(A25,$A$16:$F$19,5,FALSE)","v":""},{"$f":"VLOOKUP(A25,$A$16:$F$19,6,FALSE)","v":""},null,null,null,null,null,null,{"$f":"VLOOKUP(I25,$I$16:$N$19,5,FALSE)","v":""},{"$f":"VLOOKUP(I25,$I$16:$N$19,6,FALSE)","v":""}]

{"sheet":"D1_高齡錄音資料檢核","index":10,"n_rows":68,"n_cols":20,"rows_kept":68,"cut":false,"hidden":true,"merged":[[0,1,0,3]]}
[null,"【高齡錄音話術】相關檢核",null,null,null,null,null,"高齡對象判斷角色重疊判斷 (高齡對象判斷代碼 & ID檢核代碼","應錄音對象判斷","要被保人話術稿判斷","繳款人話術稿判斷",null,null,null,"高齡對象判斷","提醒文字1","提醒文字2","提醒文字3","提醒文字4","提醒文字5"]
[null,"啟動年齡",65,null,null,null,null,"11",5,2,2,null,"Note. 由於生日可能在人員相同時不填，就假設\n例如\n1. 說明高齡對象判斷4寫到本保單被保人、繳款人保險年齡達65歲(含)以上\n2. ID檢核說 3.繳款人=要保人，就要假設要保人其實也65歲，所以就要錄要保人、被保人\n",null,1,{"$f":"IF(擴大錄音對象=\"N\",\"本保單要保人、被保險人、繳款人保險年齡達65歲(含)以上，\",\"要保人、被保險人、繳款人其一達65歲，\")","v":"本保單要保人、被保險人、繳款人保險年齡達65歲(含)以上，"},"其中，要、被保險人及繳款人為同一人，","故需對要保人、被保險人、繳款人共三人進行錄音。","\n※繳款人錄音話術稿請至「繳款人高齡錄音話術範本」。","\n※要/被保險人錄音話術稿請至「要保人/被保險人高齡錄音話術範本」。"]
[null,"▲ 要保人判斷",{"$f":"IF(擴大錄音對象=\"N\",IFERROR(AND(要保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),FALSE),IFERROR(AND(MAX(要保人保險年齡,被保人保險年齡,繳款人保險年齡)>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),FALSE))","v":false},{"$f":"IF(擴大錄音對象=\"N\",\"◆要保人達\"&高齡錄音年齡&\"歲，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n\",\"◆要保人需進行錄音，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n\")","v":"◆要保人達65歲，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n"},"=IF(要保人保險年齡<>\"\",IF(ISERROR(AND(要保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡)),FALSE,IF(AND(要保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),TRUE,FALSE)),FALSE)",null,null,"12",3,2,1,null,null,null,2,{"$f":"IF(擴大錄音對象=\"N\",\"本保單要保人、被保險人保險年齡達65歲(含)以上，\",\"要保人、被保險人、繳款人其一達65歲，\")","v":"本保單要保人、被保險人保險年齡達65歲(含)以上，"},"其中，要、被保險人為同一人，","故需對要保人、被保險人共二人進行錄音。"]
[null,"▲ 被保人判斷",{"$f":"IF(擴大錄音對象=\"N\",IF(被保人生日6碼=\"\",FALSE,IFERROR(AND(被保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),FALSE)),IF(被保人生日6碼=\"\",FALSE,IFERROR(AND(MAX(要保人保險年齡,被保人保險年齡,繳款人保險年齡)>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),FALSE)))","v":false},null,null,null,null,"13",2,1,2,null,null,null,3,{"$f":"IF(擴大錄音對象=\"N\",\"本保單要保人、繳款人保險年齡達65歲(含)以上，\",\"要保人、被保險人、繳款人其一達65歲，\")","v":"本保單要保人、繳款人保險年齡達65歲(含)以上，"},"其中，要保人、繳款人為同一人，","故需對要保人、繳款人共二人進行錄音。"]
[null,"▲ 繳款人判斷",{"$f":"IF(擴大錄音對象=\"N\",IFERROR(AND(繳款人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),FALSE),IFERROR(AND(MAX(要保人保險年齡,被保人保險年齡,繳款人保險年齡)>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),FALSE))","v":false},null,"=IF(繳款人保險年齡<>\"\",IF(ISERROR(AND(繳款人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡)),FALSE,IF(AND(繳款人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),TRUE,FALSE)),FALSE)",null,null,"14",2,1,2,null,null,null,4,{"$f":"IF(擴大錄音對象=\"N\",\"本保單被保人、繳款人保險年齡達65歲(含)以上，\",\"要保人、被保險人、繳款人其一達65歲，\")","v":"本保單被保人、繳款人保險年齡達65歲(含)以上，"},"其中，被保險人、繳款人為同一人，","故需對被保人、繳款人共二人進行錄音。"]
[null,"顯示高齡錄音視窗",{"$f":"OR(要保人高齡錄音判斷,被保人高齡錄音判斷,繳款人高齡錄音判斷)","v":false},null,null,null,null,"15",1,1,1,null,null,null,5,{"$f":"IF(擴大錄音對象=\"N\",\"本保單要保人保險年齡達65歲(含)以上，\",\"要保人、被保險人、繳款人其一達65歲，\")","v":"本保單要保人保險年齡達65歲(含)以上，"},null,"故需對要保人共一人進行錄音。"]
[null,null,null,null,null,null,null,"21",5,4,2,null,null,null,6,{"$f":"IF(擴大錄音對象=\"N\",\"本保單被保險人保險年齡達65歲(含)以上，\",\"要保人、被保險人、繳款人其一達65歲，\")","v":"本保單被保險人保險年齡達65歲(含)以上，"},null,"故需對被保險人共一人進行錄音。"]
[null,null,null,null,null,null,null,"22",5,2,2,null,null,null,7,{"$f":"IF(擴大錄音對象=\"N\",\"本保單繳款人保險年齡達65歲(含)以上，\",\"要保人、被保險人、繳款人其一達65歲，\")","v":"本保單繳款人保險年齡達65歲(含)以上，"},null,"故需對繳款人共一人進行錄音。"]
[null,"角色重疊檢核",null,null,null,null,null,"23",2,1,2]
[null,"▲ ID檢核",{"$f":"IF(AND(被保人同一人檢核,繳款人同一人檢核),1,IF(AND(被保人同一人檢核,繳款人同一人檢核=FALSE),2,IF(AND(被保人同一人檢核=FALSE,繳款人身分=\"與要保人為「同一人」\"),3,IF(AND(被保人同一人檢核=FALSE,繳款人身分=\"與被保險人為「同一人」\"),4,5))))","v":4},"Note. 此處借用使用者填入的是否同一人資訊來判斷，而不去判斷姓名或ID，若非高齡錄音場合不適用",null,null,null,"24",2,1,2]
[null,"▲ 姓名",{"$f":"IF(AND(被保人同一人檢核,繳款人同一人檢核),1,IF(AND(被保人同一人檢核,繳款人同一人檢核=FALSE),2,IF(AND(被保人同一人檢核=FALSE,繳款人身分=\"與要保人為「同一人」\"),3,IF(AND(被保人同一人檢核=FALSE,繳款人身分=\"與被保險人為「同一人」\"),4,5))))","v":4},null,null,null,null,"25",2,1,2]
[null,null,null,null,null,null,null,"31",5,2,2]
[null,null,null,null,null,null,null,"32",3,2,1,null,null,null,"ID檢核-代碼","說明"]
[null,"應錄音對象判斷",{"$f":"VLOOKUP(C15&ID檢核,$H$1:$K$41,2,FALSE)","v":8},{"$f":"\"※\"&VLOOKUP(C15,$O$2:$R$8,2,FALSE)&VLOOKUP(C10,$O$2:$R$8,3,FALSE)&VLOOKUP(C14,$O$2:$R$8,4,FALSE)&VLOOKUP(繳款人話術稿判斷,O1:S8,5,FALSE)","v":{"$error":"#N/A"}},null,null,null,"33",5,2,2,null,null,null,1,"要保人=被保險人=繳款人"]
[null,"▲ 高齡對象判斷",{"$f":"IF(AND(要保人高齡錄音判斷,被保人高齡錄音判斷,繳款人高齡錄音判斷),1,IF(AND(要保人高齡錄音判斷,被保人高齡錄音判斷),2,IF(AND(要保人高齡錄音判斷,繳款人高齡錄音判斷),3,IF(AND(被保人高齡錄音判斷,繳款人高齡錄音判斷),4,IF(AND(要保人高齡錄音判斷),5,IF(AND(被保人高齡錄音判斷),6,IF(AND(繳款人高齡錄音判斷),7,8)))))))","v":8},{"$f":"\"※\"&VLOOKUP(C15,$O$2:$R$8,2,FALSE)&VLOOKUP(C10,$O$2:$R$8,3,FALSE)&VLOOKUP(C14,$O$2:$R$8,4,FALSE)&VLOOKUP(繳款人話術稿判斷,O1:T8,6,FALSE)","v":{"$error":"#N/A"}},null,null,null,"34",2,2,2,null,null,null,2,"要保人=被保險人<>繳款人"]
[null,"▲ 要被保人話術稿判斷",{"$f":"VLOOKUP(C15&ID檢核,$H$1:$K$41,3,FALSE)","v":4},"※本保單要保人、被保險人不需錄音。",null,null,null,"35",3,2,1,null,null,null,3,"要保人=繳款人<>被保險人"]
[null,"▲ 繳款人話術稿判斷",{"$f":"VLOOKUP(C15&ID檢核,$H$1:$K$41,4,FALSE)","v":2},{"$f":"IF(VLOOKUP(繳款人話術稿判斷,O1:S3,5,FALSE)=0,\"\",VLOOKUP(繳款人話術稿判斷,O1:S3,5,FALSE))","v":""},null,null,null,"41",5,2,2,null,null,null,4,"要保人<>被保險人=繳款人"]
[null,null,null,"※本保單繳款人不需錄音。",null,null,null,"42",3,2,1,null,null,null,5,"要保人<>被保險人<>繳款人"]
[null,null,null,null,null,null,null,"43",2,1,2]
[null,"通路別","BR",null,null,null,null,"44",6,3,2,null,null,null,"高齡對象判斷-代碼","說明"]
[null,"商品類別",{"$f":"VLOOKUP(商品名稱,B1_解約金商品錄音話術table!B:Y,24,FALSE)","v":"RF1"},null,null,null,null,"45",4,3,1,null,null,null,1,"本保單要保人、被保險人、繳款人保險年齡達65歲(含)以上，"]
[null,"服務單位名稱",null,null,null,null,null,"51",5,2,2,null,null,null,2,"本保單要保人、被保險人保險年齡達65歲(含)以上，"]
[null,"雙招選項名稱",{"$f":"IF(AND(業務員_2<>\"\",登錄字號_2<>\"\"),1,2)","v":2},null,null,null,null,"52",5,2,2,null,null,null,3,"本保單要保人、繳款人保險年齡達65歲(含)以上，"]
[null,"雙招攬判斷",{"$f":"IF(高齡話術檢核,IF(資料輸入!X4=\"是\",TRUE,FALSE),FALSE)","v":false},null,null,null,null,"53",5,2,2,null,null,null,4,"本保單被保人、繳款人保險年齡達65歲(含)以上，"]
[null,null,null,null,null,null,null,"54",5,2,2,null,null,null,5,"本保單要保人保險年齡達65歲(含)以上，"]
[null,null,null,null,null,null,null,"55",5,2,2,null,null,null,6,"本保單被保險人保險年齡達65歲(含)以上，"]
[null,"保障期間年",{"$f":"IF(高齡錄音填寫資訊檢核=1,TRUE,FALSE)","v":false},null,null,null,null,"61",5,2,2,null,null,null,7,"本保單繳人保險年齡達65歲(含)以上，"]
[null,"高齡錄音資訊",{"$f":"MAX(C29:C37,C42:C43)","v":5},{"$f":"\"◆錄音話術補充資訊填寫不完整，請補全內容。\n\"","v":"◆錄音話術補充資訊填寫不完整，請補全內容。\n"},null,null,null,"62",5,2,2,null,null,null,8,"無人達65歲以上"]
[null,"▲ 服務公司檢核",{"$f":"IF(高齡錄音檢核,IF(服務公司<>\"\",1,2),1)","v":1},null,null,null,null,"63",6,3,2]
[null,"▲ 服務專員檢核",{"$f":"IF(高齡錄音檢核,IF(業務員_1<>\"\",1,3),1)","v":1},null,null,null,null,"64",6,3,2]
[null,"▲ 登錄字號檢核",{"$f":"IF(高齡錄音檢核,IF(登錄字號_1<>\"\",1,4),1)","v":1},null,null,null,null,"65",6,3,2]
[null,"▲ 身分證檢核-要保",{"$f":"IF(要保人高齡錄音判斷,IF(要保人身分證字號<>\"\",1,5),1)","v":1},"Note. 若達65歲時必填",null,null,null,"71",5,2,2]
[null,"▲ 身分證檢核-被保",{"$f":"IF(被保人高齡錄音判斷,IF(AND(被保險人身分證字號=\"\",被保人同一人檢核=FALSE),5,1),1)","v":1},"Note. 若達65歲且與要保人不同人時必填",null,null,null,"72",7,4,1]
[null,"▲ 身分證檢核-繳款",{"$f":"IF(繳款人高齡錄音判斷,IF(AND(繳款人身分證字號=\"\",繳款人同一人檢核=FALSE),5,1),1)","v":1},"Note. 若達65歲且與要、被保人不同人時必填",null,null,null,"73",5,2,2]
[null,"▲ 投保目的檢核",{"$f":"IF(高齡錄音檢核,IF(OR(投保目的及需求=\"\",投保目的其他文字檢核=1),6,1),1)","v":1},null,null,null,null,"74",6,3,2]
[null,"▲ 第二招攬",{"$f":"IF(雙招選項=\"\",5,1)","v":5},null,null,null,null,"75",7,4,1]
[null,"▲ 雙招",{"$f":"IF(雙招選項=\"是\", IF(COUNTBLANK(業務員_2)+COUNTBLANK(登錄字號_2)>0,9,1),1)","v":1},null,null,null,null,"81",8,4,2]
[null,"▲ 要被保人同一人檢核",{"$f":"IF(高齡錄音檢核,IF(要保人身分=\"與被保險人為「同一人」\",TRUE,FALSE),FALSE)","v":false},{"$f":"IF(擴大錄音對象=\"N\",\"◆被保險人達\"&高齡錄音年齡&\"歲，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n\",\"◆被保險人需進行錄音，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n\")","v":"◆被保險人達65歲，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n"},null,null,null,"82",8,4,2]
[null,"▲ 繳款人同一人檢核",{"$f":"IF(高齡錄音檢核,IF(OR(繳款人身分=\"與要保人為「同一人」\",繳款人身分=\"與被保險人為「同一人」\"),TRUE, FALSE),FALSE)","v":false},{"$f":"IF(擴大錄音對象=\"N\",\"◆繳款人達\"&高齡錄音年齡&\"歲，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n\",\"◆繳款人需進行錄音，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n\")","v":"◆繳款人達65歲，請填寫錄音話術補充資訊，依錄音話術表進行錄音。\n"},null,null,null,"83",8,4,2]
[null,null,null,null,null,null,null,"84",8,4,2]
[null,"錄音填寫與錄音對象提示訊息",null,{"$f":"IFERROR(IF(C28>1,D28,\"\")&\nIF(要保人高齡錄音判斷,D3,\"\")&\nIF(AND(被保人同一人檢核=FALSE,被保人高齡錄音判斷=TRUE),D38,\"\")&\nIF(AND(繳款人同一人檢核=FALSE,繳款人高齡錄音判斷=TRUE),D39,\"\"),\"\")&\nIF(AND(要保人身分=\"與被保險人為「不同一人」\",AND(要保人=被保人,要保人性別=被保人性別,要保人生日6碼=被保人生日6碼),OR(被保人保險年齡>=高齡錄音年齡,要保人保險年齡>=高齡錄音年齡)),\"◆請確認要、被保人是否為「同一人」！\",\"\")","v":"◆錄音話術補充資訊填寫不完整，請補全內容。\n"},null,null,null,"85",8,4,2]
[null,"通路名稱檢核",{"$f":"IF(服務單位檢核,IF(服務單位=\"\",5,1),1)","v":1}]
[null,"保經代檢核",{"$f":"IF(保經保代=\"\",5,1)","v":5}]
[]
[]
[null,"錄音序號適用通路"]
[null,"第一商業銀行股份有限公司"]
[null,"彰化商業銀行股份有限公司"]
[null,"台新商業銀行股份有限公司"]
[null,"中國信託商業銀行股份有限公司"]
[]
[]
[null,"繳費頻率",{"$f":"IFERROR(VLOOKUP(繳別,B54:C57,2,0),1)","v":1}]
[null,"年繳",1]
[null,"半年繳",2]
[null,"季繳",4]
[null,"月繳",12]
[]
[null,"服務公司"]
[null,"▲ 服務單位檢核(欣台)",{"$f":"IF(ISERROR(FIND(\"欣台\",服務公司,1)),FALSE,TRUE)","v":false}]
[null,"▲ 服務公司檢核",{"$f":"IF(服務單位檢核=TRUE,AND(服務公司<>\"\",保經保代<>\"\",服務單位<>\"\"),AND(服務公司<>\"\",保經保代<>\"\"))","v":false}]
[]
[null,"投保目的檢核",{"$f":"OR(C65,C66)","v":false},{"$f":"IF(AND(COUNTIF(資料輸入!O35:O35,\"V\")=1,投保目的保障項次=\"V\"),投保目的保障文字,IF(投保目的保障項次=\"V\",投保目的保障文字&\"、\",\"\"))&IF(AND(COUNTIF(資料輸入!O35:O35,\"V\")=1,投保目的子女=\"V\"),投保目的子女文字,IF(投保目的子女=\"V\",投保目的子女文字&\"、\",\"\"))&IF(AND(COUNTIF(資料輸入!O34:O35,\"V\")=1,投保目的退休=\"V\"),投保目的退休文字,IF(投保目的退休=\"V\",投保目的退休文字&\"、\",\"\"))&IF(AND(COUNTIF(資料輸入!O34:O38,\"V\")=1,投保目的房貸=\"V\"),投保目的房貸文字,IF(投保目的房貸=\"V\",投保目的房貸文字&\"、\",\"\"))&IF(投保目的其他=\"V\",投保目的其他文字,\"\")","v":""}]
[null,"投保目的勾選檢核",{"$f":"OR(C65,C67)","v":false}]
[null,"▲ 投保目的",{"$f":"OR(投保目的保障項次=\"V\",投保目的子女=\"V\",投保目的退休=\"V\",投保目的房貸=\"V\")","v":false}]
[null,"▲ 投保目的其他",{"$f":"AND(投保目的其他=\"V\",投保目的其他文字<>\"\")","v":false}]
[null,"▲ 投保目的其他勾選",{"$f":"AND(投保目的其他=\"V\")","v":false}]
[null,"▲ 投保目的其他文字",{"$f":"IF(投保目的其他=\"V\",IF(投保目的其他文字=\"\",1,2),3)","v":3}]

{"sheet":"壽險保障與解約金","index":11,"n_rows":116,"n_cols":9,"rows_kept":116,"cut":false,"hidden":true,"merged":[[1,2,1,8],[2,2,2,3],[2,7,2,8]]}
[]
[null,null,"非保證給付項目"]
["年","年","高分紅",null,null,null,null,"低分紅"]
["度","齡","當年度末壽險保障及","當年度末可能領取",null,"當年度末壽險保障及","當年度末可能領取","當年度末壽險保障及","當年度末可能領取"]
[null,null,"假設紅利分配後壽險保障","解約金總和",null,"假設紅利分配後壽險保障","解約金總和","假設紅利分配後壽險保障","解約金總和"]
[]
[1,{"$f":"age+A7-1","v":40},{"$f":"試算表!O7","v":100000},{"$f":"試算表!P7","v":3340},null,{"$f":"試算表!S7","v":100000},{"$f":"試算表!T7","v":3340},{"$f":"試算表!W7","v":100000},{"$f":"試算表!X7","v":3340}]
[2,41,{"$f":"試算表!O8","v":100000},{"$f":"試算表!P8","v":8890},null,{"$f":"試算表!S8","v":100000},{"$f":"試算表!T8","v":8890},{"$f":"試算表!W8","v":100000},{"$f":"試算表!X8","v":8890}]
[3,42,{"$f":"試算表!O9","v":100000},{"$f":"試算表!P9","v":14580},null,{"$f":"試算表!S9","v":100000},{"$f":"試算表!T9","v":14580},{"$f":"試算表!W9","v":100000},{"$f":"試算表!X9","v":14580}]
[4,43,{"$f":"試算表!O10","v":125000},{"$f":"試算表!P10","v":21740},null,{"$f":"試算表!S10","v":125000},{"$f":"試算表!T10","v":21740},{"$f":"試算表!W10","v":125000},{"$f":"試算表!X10","v":21740}]
[5,44,{"$f":"試算表!O11","v":150000},{"$f":"試算表!P11","v":31540},null,{"$f":"試算表!S11","v":150000},{"$f":"試算表!T11","v":31540},{"$f":"試算表!W11","v":150000},{"$f":"試算表!X11","v":31540}]
[6,45,{"$f":"試算表!O12","v":145000},{"$f":"試算表!P12","v":43110},null,{"$f":"試算表!S12","v":245500},{"$f":"試算表!T12","v":62004},{"$f":"試算表!W12","v":155028},{"$f":"試算表!X12","v":44996}]
[7,46,{"$f":"試算表!O13","v":140000},{"$f":"試算表!P13","v":43930},null,{"$f":"試算表!S13","v":246027},{"$f":"試算表!T13","v":63825},{"$f":"試算表!W13","v":150555},{"$f":"試算表!X13","v":45911}]
[8,47,{"$f":"試算表!O14","v":135000},{"$f":"試算表!P14","v":44770},null,{"$f":"試算表!S14","v":246579},{"$f":"試算表!T14","v":65698},{"$f":"試算表!W14","v":146083},{"$f":"試算表!X14","v":46849}]
[9,48,{"$f":"試算表!O15","v":130000},{"$f":"試算表!P15","v":45630},null,{"$f":"試算表!S15","v":247158},{"$f":"試算表!T15","v":67627},{"$f":"試算表!W15","v":141612},{"$f":"試算表!X15","v":47810}]
[10,49,{"$f":"試算表!O16","v":125000},{"$f":"試算表!P16","v":46510},null,{"$f":"試算表!S16","v":247764},{"$f":"試算表!T16","v":69612},{"$f":"試算表!W16","v":137140},{"$f":"試算表!X16","v":48795}]
[11,50,{"$f":"試算表!O17","v":120000},{"$f":"試算表!P17","v":47420},null,{"$f":"試算表!S17","v":253471},{"$f":"試算表!T17","v":71664},{"$f":"試算表!W17","v":133170},{"$f":"試算表!X17","v":49812}]
[12,51,{"$f":"試算表!O18","v":115000},{"$f":"試算表!P18","v":48350},null,{"$f":"試算表!S18","v":254143},{"$f":"試算表!T18","v":73772},{"$f":"試算表!W18","v":128699},{"$f":"試算表!X18","v":50854}]
[13,52,{"$f":"試算表!O19","v":110000},{"$f":"試算表!P19","v":49310},null,{"$f":"試算表!S19","v":254843},{"$f":"試算表!T19","v":75951},{"$f":"試算表!W19","v":124228},{"$f":"試算表!X19","v":51928}]
[14,53,{"$f":"試算表!O20","v":105000},{"$f":"試算表!P20","v":50310},null,{"$f":"試算表!S20","v":255568},{"$f":"試算表!T20","v":78207},{"$f":"試算表!W20","v":119758},{"$f":"試算表!X20","v":53045}]
[15,54,{"$f":"試算表!O21","v":100000},{"$f":"試算表!P21","v":51340},null,{"$f":"試算表!S21","v":261447},{"$f":"試算表!T21","v":80533},{"$f":"試算表!W21","v":115789},{"$f":"試算表!X21","v":54196}]
[16,55,{"$f":"試算表!O22","v":100000},{"$f":"試算表!P22","v":52370},null,{"$f":"試算表!S22","v":263129},{"$f":"試算表!T22","v":82896},{"$f":"試算表!W22","v":115918},{"$f":"試算表!X22","v":55350}]
[17,56,{"$f":"試算表!O23","v":100000},{"$f":"試算表!P23","v":53420},null,{"$f":"試算表!S23","v":264817},{"$f":"試算表!T23","v":85320},{"$f":"試算表!W23","v":116047},{"$f":"試算表!X23","v":56527}]
[18,57,{"$f":"試算表!O24","v":100000},{"$f":"試算表!P24","v":54490},null,{"$f":"試算表!S24","v":266512},{"$f":"試算表!T24","v":87807},{"$f":"試算表!W24","v":116176},{"$f":"試算表!X24","v":57728}]
[19,58,{"$f":"試算表!O25","v":100000},{"$f":"試算表!P25","v":55560},null,{"$f":"試算表!S25","v":268213},{"$f":"試算表!T25","v":90335},{"$f":"試算表!W25","v":116307},{"$f":"試算表!X25","v":58933}]
[20,59,{"$f":"試算表!O26","v":100000},{"$f":"試算表!P26","v":56650},null,{"$f":"試算表!S26","v":269922},{"$f":"試算表!T26","v":92926},{"$f":"試算表!W26","v":116436},{"$f":"試算表!X26","v":60161}]
[21,60,{"$f":"試算表!O27","v":100000},{"$f":"試算表!P27","v":57750},null,{"$f":"試算表!S27","v":275801},{"$f":"試算表!T27","v":95563},{"$f":"試算表!W27","v":116967},{"$f":"試算表!X27","v":61402}]
[22,61,{"$f":"試算表!O28","v":100000},{"$f":"試算表!P28","v":58850},null,{"$f":"試算表!S28","v":277534},{"$f":"試算表!T28","v":98244},{"$f":"試算表!W28","v":117097},{"$f":"試算表!X28","v":62647}]
[23,62,{"$f":"試算表!O29","v":100000},{"$f":"試算表!P29","v":59970},null,{"$f":"試算表!S29","v":279274},{"$f":"試算表!T29","v":100988},{"$f":"試算表!W29","v":117226},{"$f":"試算表!X29","v":63914}]
[24,63,{"$f":"試算表!O30","v":100000},{"$f":"試算表!P30","v":61090},null,{"$f":"試算表!S30","v":281020},{"$f":"試算表!T30","v":103776},{"$f":"試算表!W30","v":117356},{"$f":"試算表!X30","v":65187}]
[25,64,{"$f":"試算表!O31","v":100000},{"$f":"試算表!P31","v":62230},null,{"$f":"試算表!S31","v":282775},{"$f":"試算表!T31","v":106628},{"$f":"試算表!W31","v":117486},{"$f":"試算表!X31","v":66482}]
[26,65,{"$f":"試算表!O32","v":100000},{"$f":"試算表!P32","v":63360},null,{"$f":"試算表!S32","v":284535},{"$f":"試算表!T32","v":109503},{"$f":"試算表!W32","v":117615},{"$f":"試算表!X32","v":67769}]
[27,66,{"$f":"試算表!O33","v":100000},{"$f":"試算表!P33","v":64490},null,{"$f":"試算表!S33","v":286303},{"$f":"試算表!T33","v":112419},{"$f":"試算表!W33","v":117745},{"$f":"試算表!X33","v":69061}]
[28,67,{"$f":"試算表!O34","v":100000},{"$f":"試算表!P34","v":65630},null,{"$f":"試算表!S34","v":288078},{"$f":"試算表!T34","v":115417},{"$f":"試算表!W34","v":117876},{"$f":"試算表!X34","v":70368}]
[29,68,{"$f":"試算表!O35","v":100000},{"$f":"試算表!P35","v":66770},null,{"$f":"試算表!S35","v":289860},{"$f":"試算表!T35","v":119098},{"$f":"試算表!W35","v":118006},{"$f":"試算表!X35","v":71739}]
[30,69,{"$f":"試算表!O36","v":100000},{"$f":"試算表!P36","v":67900},null,{"$f":"試算表!S36","v":291649},{"$f":"試算表!T36","v":122866},{"$f":"試算表!W36","v":118136},{"$f":"試算表!X36","v":73109}]
[31,70,{"$f":"試算表!O37","v":100000},{"$f":"試算表!P37","v":69000},null,{"$f":"試算表!S37","v":293445},{"$f":"試算表!T37","v":126642},{"$f":"試算表!W37","v":118266},{"$f":"試算表!X37","v":74451}]
[32,71,{"$f":"試算表!O38","v":100000},{"$f":"試算表!P38","v":70100},null,{"$f":"試算表!S38","v":304876},{"$f":"試算表!T38","v":130478},{"$f":"試算表!W38","v":119302},{"$f":"試算表!X38","v":75797}]
[33,{"$f":"age+A39-1","v":72},{"$f":"試算表!O39","v":100000},{"$f":"試算表!P39","v":71180},null,{"$f":"試算表!S39","v":306710},{"$f":"試算表!T39","v":134353},{"$f":"試算表!W39","v":119433},{"$f":"試算表!X39","v":77128}]
[34,73,{"$f":"試算表!O40","v":100000},{"$f":"試算表!P40","v":72260},null,{"$f":"試算表!S40","v":308553},{"$f":"試算表!T40","v":138286},{"$f":"試算表!W40","v":119564},{"$f":"試算表!X40","v":78464}]
[35,74,{"$f":"試算表!O41","v":100000},{"$f":"試算表!P41","v":73330},null,{"$f":"試算表!S41","v":310401},{"$f":"試算表!T41","v":142264},{"$f":"試算表!W41","v":119695},{"$f":"試算表!X41","v":79793}]
[36,75,{"$f":"試算表!O42","v":100000},{"$f":"試算表!P42","v":74400},null,{"$f":"試算表!S42","v":312258},{"$f":"試算表!T42","v":146302},{"$f":"試算表!W42","v":119825},{"$f":"試算表!X42","v":81127}]
[37,76,{"$f":"試算表!O43","v":100000},{"$f":"試算表!P43","v":75450},null,{"$f":"試算表!S43","v":314122},{"$f":"試算表!T43","v":150373},{"$f":"試算表!W43","v":119956},{"$f":"試算表!X43","v":82444}]
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["保費明細表",null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
[]
[null,"姓名",null,"關係",null,"性別",null,"出生年月日",null,"起保年齡",null,null,"回資料輸入"]
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[]
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[{"$f":"IF(總檢核,商品名稱,\"\")","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)"}]
[]
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[]
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[{"$f":"IF(AND(總檢核,豁免附約檢核),IF(AND(豁免附約一是否附加=\"附加\",豁免附約一=BWPNTR1商品名稱),BWPNTR1商品名稱,IF(AND(豁免附約一是否附加=\"附加\",豁免附約一=BWPNTR2商品名稱),BWPNTR2商品名稱,IF(AND(豁免附約二是否附加=\"附加\",豁免附約二=BWPNTR3商品名稱),BWPNTR3商品名稱,IF(AND(豁免附約二是否附加=\"附加\",豁免附約二=BWPNTR4商品名稱),BWPNTR4商品名稱,\"\")))),\"\")","v":""}]
[]
[{"$f":"\"合計：\"&COUNTIF($G9:$H20,\"*繳\")&\"筆\"","v":"合計：1筆"},null,null,null,null,null,null,"上列主契約及附約每期原始保險費合計",{"$f":"SUM(I10:K20)","v":10190}]
[null,null,null,null,null,null,null,"上列主契約及附約每期折扣後保險費合計",{"$f":"IF(總檢核,(高保費折扣後保費_主約使用+SUM(I11:K20))*(1-首期繳費折扣),0)","v":10037.61}]
[]
["※","「主契約及附約每期折扣後保險費」已考量高保費、繳費折扣及集體彙繳折扣條件(若有)試算得出，為四捨五入至整數後之數值，僅供參考，實際金額以公司核保結果及客戶實際繳費方式為準。"]
["※","主約繳費期滿後，附約如欲持續有效，仍需繳交附約保險費。若保險期間另有約定者不適用。"]
["**","如有附加豁免保險費附約，其保額為上述主契約(已考量高保費折扣)及附加於主契約之其他附約之保費，但不含豁免保險費附約之保費。"]

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[]
["商品備查文號：民國113年05月13日保誠總字第1130546號"]
["商品備查文號：民國114年01月01日保誠總字第1140017號"]
[{"$f":"商品名稱&\"建議書\"","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)建議書"}]
[]
[{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"●\"),\"\")","v":""},{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"主約：\"&商品名稱),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回資料輸入"]
[null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"要保人：\"&要保人_顯示,\"保額：\"&保額_顯示),\"要保人：\")","v":"要保人：貴保戶 君"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"被保險人：\"&被保人_顯示,\"每期原始保費：\"&每期原始保費_顯示),\"被保險人：\")","v":"被保險人：貴保戶 君"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"被保險人性別/年齡：\"&被保人性別年齡_顯示,\"每期折扣後保費：\"&每期折扣後保費_顯示),\"被保險人性別/年齡：\")","v":"被保險人性別/年齡：男/40歲"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"保障期間：\"&保障年期_顯示,\"保障期間：\")","v":"保障期間：達110歲之保單週年日"},null,null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"年期：\"&繳費年期_顯示,\"年期：\")","v":"年期：6年"}]
[{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"●\"),\"\")","v":""},{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",IF(BNLTRU1_SA=0,\"\",\"附約：\"&BNLTRU1商品名稱)),\"\")","v":""}]
[null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"保額：\"&保額_顯示,\"保額：\"&TEXT(BNLTRU1_SA*10,\"#,##0\")&\"仟元\"&\"(\"&幣別&\")\"),\"保額：\")","v":"保額：100,000元(美元)"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"每期原始保費：\"&每期原始保費_顯示,\"每期原始保費：\"&TEXT(BNLTRU1_首期表定保費,\"#,##0\")&\"元\"),\"每期原始保費：\")","v":"每期原始保費：10,190元"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"每期折扣後保費：\"&每期折扣後保費_顯示,\"每期折扣後保費：\"&TEXT(BNLTRU1_首期折扣後保費,\"#,##0\")&\"元\"),\"每期折扣後保費：\")","v":"每期折扣後保費：10,038元"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"\",\"保障期間：\"&BNLTRU1年期&\"年\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"年期：\"&BNLTRU1年期&\"年\"),\"\")","v":""}]
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[null,{"$f":"IF(總檢核,\"繳別：\"&繳別_顯示,\"繳別：\")","v":"繳別：年繳"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"高保費折扣：\"&高保費折扣_顯示,IF(高保費折扣率=0,\"\",\"主約高保費折扣：\"&高保費折扣_顯示)),\"高保費折扣：\")","v":"高保費折扣：0.5%"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"首期/續期繳費折扣：\"&繳費折扣_顯示,\"首期/續期繳費折扣：\")","v":"首期/續期繳費折扣：1%"}]
[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","中"]
[]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","中"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","中"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[89,null,"",null,{"$f":"IF(總檢核,IF(age+A134-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A134-1>被保人最大保險年齡,\"\",試算表!D95+IF(美滿定期附約!C91<>\"\",美滿定期附約!C91,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A134-1=被保人最大保險年齡,\"\",IF(age+A134-1>被保人最大保險年齡,\"\",試算表!E95+IF(美滿定期附約!D91<>\"\",美滿定期附約!D91,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A134-1>=被保人最大保險年齡,\"\",VLOOKUP($A134,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E91<>\"\",美滿定期附約!E91,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A134-1>=被保人最大保險年齡,\"\",試算表!I95+IF(美滿定期附約!F91<>\"\",美滿定期附約!F91,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A134-1>=被保人最大保險年齡,\"\",IF(C134>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!Y95,\nIF($AS$16=\"中\",試算表!Z95,試算表!AA95)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!Y95,IF($AS$16=\"中\",試算表!Z95,試算表!AA95)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A134-1>=被保人最大保險年齡,\"\",IF(C134>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AB95,\nIF($AS$16=\"中\",試算表!AC95,試算表!AD95)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AB95,IF($AS$16=\"中\",試算表!AC95,試算表!AD95)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A134-1>=被保人最大保險年齡,\"\",IF(C134>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AE95,\nIF($AS$16=\"中\",試算表!AF95,試算表!AG95)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AE95,IF($AS$16=\"中\",試算表!AF95,試算表!AG95)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A134-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AH95,\nIF($AS$16=\"中\",試算表!AI95,試算表!AJ95))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A134-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AK95,\nIF($AS$16=\"中\",試算表!AL95,試算表!AM95))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A134-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AN95,\nIF($AS$16=\"中\",試算表!AO95,試算表!AP95))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A134-1>=被保人最大保險年齡,\"\",IF(C134>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O95,\nIF($AS$16=\"中\",試算表!S95,\nIF($AS$16=\"\",試算表!S95,試算表!W95)))+IF(美滿定期附約!E91<>\"\",美滿定期附約!E91,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O95,\nIF($AS$16=\"中\",試算表!S95,\nIF($AS$16=\"\",試算表!S95,試算表!W95)))+IF(美滿定期附約!E91<>\"\",美滿定期附約!E91,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A134-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!P95,\nIF($AS$16=\"中\",試算表!T95,\nIF($AS$16=\"\",試算表!T95,試算表!X95)))+IF(美滿定期附約!F91<>\"\",美滿定期附約!F91,0)), \"\")","v":""},null,null,"",""]
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[]
[{"$f":"IF(總檢核,\" 被保險人保險年齡達\"&被保人最大保險年齡&\"歲之保單週年日仍生存時，給付「祝壽保險金」\"& TEXT(祝壽保險金_100,\"#,##0\") &\"元及「假設紅利_分紅保額(\"&$AS$16&\")」\"&IF($AS$16=\"中\",TEXT(假設紅利_中分紅,\"#,##0\"),IF($AS$16=\"低\",TEXT(假設紅利_低分紅,\"#,##0\"),TEXT(假設紅利_無分紅,\"#,##0\")))&\"元(給付後保險契約效力終止)。\", \"\")","v":" 被保險人保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000元及「假設紅利_分紅保額(中)」391,508元(給付後保險契約效力終止)。"}]
[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$161&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","低"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$161&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$161&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","低"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$161&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$161&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","低"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$161&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[109,null,"",null,{"$f":"IF(總檢核,IF(age+A299-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A299-1>被保人最大保險年齡,\"\",試算表!D115+IF(美滿定期附約!C111<>\"\",美滿定期附約!C111,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A299-1=被保人最大保險年齡,\"\",IF(age+A299-1>被保人最大保險年齡,\"\",試算表!E115+IF(美滿定期附約!D111<>\"\",美滿定期附約!D111,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A299-1>=被保人最大保險年齡,\"\",VLOOKUP($A299,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E111<>\"\",美滿定期附約!E111,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A299-1>=被保人最大保險年齡,\"\",試算表!I115+IF(美滿定期附約!F111<>\"\",美滿定期附約!F111,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A299-1>=被保人最大保險年齡,\"\",IF(C299>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!Y115,\nIF($AS$161=\"中\",試算表!Z115,試算表!AA115)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$161=\"無\",試算表!Y115,IF($AS$161=\"中\",試算表!Z115,試算表!AA115)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A299-1>=被保人最大保險年齡,\"\",IF(C299>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!AB115,\nIF($AS$161=\"中\",試算表!AC115,試算表!AD115)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$161=\"無\",試算表!AB115,IF($AS$161=\"中\",試算表!AC115,試算表!AD115)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A299-1>=被保人最大保險年齡,\"\",IF(C299>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!AE115,\nIF($AS$161=\"中\",試算表!AF115,試算表!AG115)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$161=\"無\",試算表!AE115,IF($AS$161=\"中\",試算表!AF115,試算表!AG115)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A299-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!AH115,\nIF($AS$161=\"中\",試算表!AI115,試算表!AJ115))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A299-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!AK115,\nIF($AS$161=\"中\",試算表!AL115,試算表!AM115))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A299-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!AN115,\nIF($AS$161=\"中\",試算表!AO115,試算表!AP115))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A299-1>=被保人最大保險年齡,\"\",IF(C299>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!O115,\nIF($AS$161=\"中\",試算表!S115,\nIF($AS$161=\"\",試算表!S115,試算表!W115)))+IF(美滿定期附約!E111<>\"\",美滿定期附約!E111,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!O115,\nIF($AS$161=\"中\",試算表!S115,\nIF($AS$161=\"\",試算表!S115,試算表!W115)))+IF(美滿定期附約!E111<>\"\",美滿定期附約!E111,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A299-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!P115,\nIF($AS$161=\"中\",試算表!T115,\nIF($AS$161=\"\",試算表!T115,試算表!X115)))+IF(美滿定期附約!F111<>\"\",美滿定期附約!F111,0)), \"\")","v":""},null,null,"",""]
[110,null,"",null,{"$f":"IF(總檢核,IF(age+A300-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A300-1>被保人最大保險年齡,\"\",試算表!D116+IF(美滿定期附約!C112<>\"\",美滿定期附約!C112,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A300-1=被保人最大保險年齡,\"\",IF(age+A300-1>被保人最大保險年齡,\"\",試算表!E116+IF(美滿定期附約!D112<>\"\",美滿定期附約!D112,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A300-1>=被保人最大保險年齡,\"\",VLOOKUP($A300,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A300-1>=被保人最大保險年齡,\"\",試算表!I116+IF(美滿定期附約!F112<>\"\",美滿定期附約!F112,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A300-1>=被保人最大保險年齡,\"\",IF(C300>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!Y116,\nIF($AS$161=\"中\",試算表!Z116,試算表!AA116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$161=\"無\",試算表!Y116,IF($AS$161=\"中\",試算表!Z116,試算表!AA116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A300-1>=被保人最大保險年齡,\"\",IF(C300>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!AB116,\nIF($AS$161=\"中\",試算表!AC116,試算表!AD116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$161=\"無\",試算表!AB116,IF($AS$161=\"中\",試算表!AC116,試算表!AD116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A300-1>=被保人最大保險年齡,\"\",IF(C300>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!AE116,\nIF($AS$161=\"中\",試算表!AF116,試算表!AG116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$161=\"無\",試算表!AE116,IF($AS$161=\"中\",試算表!AF116,試算表!AG116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A300-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!AH116,\nIF($AS$161=\"中\",試算表!AI116,試算表!AJ116))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A300-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!AK116,\nIF($AS$161=\"中\",試算表!AL116,試算表!AM116))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A300-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!AN116,\nIF($AS$161=\"中\",試算表!AO116,試算表!AP116))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A300-1>=被保人最大保險年齡,\"\",IF(C300>喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!O116,\nIF($AS$161=\"中\",試算表!S116,\nIF($AS$161=\"\",試算表!S116,試算表!W116)))+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$161=\"無\",試算表!O116,\nIF($AS$161=\"中\",試算表!S116,\nIF($AS$161=\"\",試算表!S116,試算表!W116)))+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A300-1>=被保人最大保險年齡,\"\",\nIF($AS$161=\"無\",試算表!P116,\nIF($AS$161=\"中\",試算表!T116,\nIF($AS$161=\"\",試算表!T116,試算表!X116)))+IF(美滿定期附約!F112<>\"\",美滿定期附約!F112,0)), \"\")","v":""},null,null,"",""]
[]
[{"$f":"IF(總檢核,\" 被保險人保險年齡達\"&被保人最大保險年齡&\"歲之保單週年日仍生存時，給付「祝壽保險金」\"& TEXT(祝壽保險金_100,\"#,##0\") &\"元及「假設紅利_分紅保額(\"&$AS$161&\")」\"&IF($AS$161=\"中\",TEXT(假設紅利_中分紅,\"#,##0\"),IF($AS$161=\"低\",TEXT(假設紅利_低分紅,\"#,##0\"),TEXT(假設紅利_無分紅,\"#,##0\")))&\"元(給付後保險契約效力終止)。\", \"\")","v":" 被保險人保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000元及「假設紅利_分紅保額(低)」33,873元(給付後保險契約效力終止)。"}]
[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$306&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","無"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$306&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$306&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","無"]
[]
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["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$306&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","無"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$306&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[94,null,"",null,{"$f":"IF(總檢核,IF(age+A429-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A429-1>被保人最大保險年齡,\"\",試算表!D100+IF(美滿定期附約!C96<>\"\",美滿定期附約!C96,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A429-1=被保人最大保險年齡,\"\",IF(age+A429-1>被保人最大保險年齡,\"\",試算表!E100+IF(美滿定期附約!D96<>\"\",美滿定期附約!D96,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A429-1>=被保人最大保險年齡,\"\",VLOOKUP($A429,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E96<>\"\",美滿定期附約!E96,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A429-1>=被保人最大保險年齡,\"\",試算表!I100+IF(美滿定期附約!F96<>\"\",美滿定期附約!F96,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A429-1>=被保人最大保險年齡,\"\",IF(C429>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y100,\nIF($AS$306=\"中\",試算表!Z100,試算表!AA100)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y100,IF($AS$306=\"中\",試算表!Z100,試算表!AA100)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A429-1>=被保人最大保險年齡,\"\",IF(C429>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB100,\nIF($AS$306=\"中\",試算表!AC100,試算表!AD100)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB100,IF($AS$306=\"中\",試算表!AC100,試算表!AD100)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A429-1>=被保人最大保險年齡,\"\",IF(C429>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE100,\nIF($AS$306=\"中\",試算表!AF100,試算表!AG100)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE100,IF($AS$306=\"中\",試算表!AF100,試算表!AG100)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A429-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH100,\nIF($AS$306=\"中\",試算表!AI100,試算表!AJ100))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A429-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK100,\nIF($AS$306=\"中\",試算表!AL100,試算表!AM100))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A429-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN100,\nIF($AS$306=\"中\",試算表!AO100,試算表!AP100))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A429-1>=被保人最大保險年齡,\"\",IF(C429>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O100,\nIF($AS$306=\"中\",試算表!S100,\nIF($AS$306=\"\",試算表!S100,試算表!W100)))+IF(美滿定期附約!E96<>\"\",美滿定期附約!E96,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O100,\nIF($AS$306=\"中\",試算表!S100,\nIF($AS$306=\"\",試算表!S100,試算表!W100)))+IF(美滿定期附約!E96<>\"\",美滿定期附約!E96,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A429-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P100,\nIF($AS$306=\"中\",試算表!T100,\nIF($AS$306=\"\",試算表!T100,試算表!X100)))+IF(美滿定期附約!F96<>\"\",美滿定期附約!F96,0)), \"\")","v":""},null,null,"",""]
[95,null,"",null,{"$f":"IF(總檢核,IF(age+A430-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A430-1>被保人最大保險年齡,\"\",試算表!D101+IF(美滿定期附約!C97<>\"\",美滿定期附約!C97,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A430-1=被保人最大保險年齡,\"\",IF(age+A430-1>被保人最大保險年齡,\"\",試算表!E101+IF(美滿定期附約!D97<>\"\",美滿定期附約!D97,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A430-1>=被保人最大保險年齡,\"\",VLOOKUP($A430,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E97<>\"\",美滿定期附約!E97,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A430-1>=被保人最大保險年齡,\"\",試算表!I101+IF(美滿定期附約!F97<>\"\",美滿定期附約!F97,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A430-1>=被保人最大保險年齡,\"\",IF(C430>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y101,\nIF($AS$306=\"中\",試算表!Z101,試算表!AA101)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y101,IF($AS$306=\"中\",試算表!Z101,試算表!AA101)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A430-1>=被保人最大保險年齡,\"\",IF(C430>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB101,\nIF($AS$306=\"中\",試算表!AC101,試算表!AD101)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB101,IF($AS$306=\"中\",試算表!AC101,試算表!AD101)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A430-1>=被保人最大保險年齡,\"\",IF(C430>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE101,\nIF($AS$306=\"中\",試算表!AF101,試算表!AG101)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE101,IF($AS$306=\"中\",試算表!AF101,試算表!AG101)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A430-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH101,\nIF($AS$306=\"中\",試算表!AI101,試算表!AJ101))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A430-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK101,\nIF($AS$306=\"中\",試算表!AL101,試算表!AM101))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A430-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN101,\nIF($AS$306=\"中\",試算表!AO101,試算表!AP101))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A430-1>=被保人最大保險年齡,\"\",IF(C430>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O101,\nIF($AS$306=\"中\",試算表!S101,\nIF($AS$306=\"\",試算表!S101,試算表!W101)))+IF(美滿定期附約!E97<>\"\",美滿定期附約!E97,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O101,\nIF($AS$306=\"中\",試算表!S101,\nIF($AS$306=\"\",試算表!S101,試算表!W101)))+IF(美滿定期附約!E97<>\"\",美滿定期附約!E97,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A430-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P101,\nIF($AS$306=\"中\",試算表!T101,\nIF($AS$306=\"\",試算表!T101,試算表!X101)))+IF(美滿定期附約!F97<>\"\",美滿定期附約!F97,0)), \"\")","v":""},null,null,"",""]
[96,null,"",null,{"$f":"IF(總檢核,IF(age+A431-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A431-1>被保人最大保險年齡,\"\",試算表!D102+IF(美滿定期附約!C98<>\"\",美滿定期附約!C98,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A431-1=被保人最大保險年齡,\"\",IF(age+A431-1>被保人最大保險年齡,\"\",試算表!E102+IF(美滿定期附約!D98<>\"\",美滿定期附約!D98,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A431-1>=被保人最大保險年齡,\"\",VLOOKUP($A431,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A431-1>=被保人最大保險年齡,\"\",試算表!I102+IF(美滿定期附約!F98<>\"\",美滿定期附約!F98,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A431-1>=被保人最大保險年齡,\"\",IF(C431>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y102,\nIF($AS$306=\"中\",試算表!Z102,試算表!AA102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y102,IF($AS$306=\"中\",試算表!Z102,試算表!AA102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A431-1>=被保人最大保險年齡,\"\",IF(C431>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB102,\nIF($AS$306=\"中\",試算表!AC102,試算表!AD102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB102,IF($AS$306=\"中\",試算表!AC102,試算表!AD102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A431-1>=被保人最大保險年齡,\"\",IF(C431>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE102,\nIF($AS$306=\"中\",試算表!AF102,試算表!AG102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE102,IF($AS$306=\"中\",試算表!AF102,試算表!AG102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A431-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH102,\nIF($AS$306=\"中\",試算表!AI102,試算表!AJ102))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A431-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK102,\nIF($AS$306=\"中\",試算表!AL102,試算表!AM102))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A431-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN102,\nIF($AS$306=\"中\",試算表!AO102,試算表!AP102))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A431-1>=被保人最大保險年齡,\"\",IF(C431>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O102,\nIF($AS$306=\"中\",試算表!S102,\nIF($AS$306=\"\",試算表!S102,試算表!W102)))+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O102,\nIF($AS$306=\"中\",試算表!S102,\nIF($AS$306=\"\",試算表!S102,試算表!W102)))+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A431-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P102,\nIF($AS$306=\"中\",試算表!T102,\nIF($AS$306=\"\",試算表!T102,試算表!X102)))+IF(美滿定期附約!F98<>\"\",美滿定期附約!F98,0)), \"\")","v":""},null,null,"",""]
[97,null,"",null,{"$f":"IF(總檢核,IF(age+A432-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A432-1>被保人最大保險年齡,\"\",試算表!D103+IF(美滿定期附約!C99<>\"\",美滿定期附約!C99,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A432-1=被保人最大保險年齡,\"\",IF(age+A432-1>被保人最大保險年齡,\"\",試算表!E103+IF(美滿定期附約!D99<>\"\",美滿定期附約!D99,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A432-1>=被保人最大保險年齡,\"\",VLOOKUP($A432,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A432-1>=被保人最大保險年齡,\"\",試算表!I103+IF(美滿定期附約!F99<>\"\",美滿定期附約!F99,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A432-1>=被保人最大保險年齡,\"\",IF(C432>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y103,\nIF($AS$306=\"中\",試算表!Z103,試算表!AA103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y103,IF($AS$306=\"中\",試算表!Z103,試算表!AA103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A432-1>=被保人最大保險年齡,\"\",IF(C432>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB103,\nIF($AS$306=\"中\",試算表!AC103,試算表!AD103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB103,IF($AS$306=\"中\",試算表!AC103,試算表!AD103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A432-1>=被保人最大保險年齡,\"\",IF(C432>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE103,\nIF($AS$306=\"中\",試算表!AF103,試算表!AG103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE103,IF($AS$306=\"中\",試算表!AF103,試算表!AG103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A432-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH103,\nIF($AS$306=\"中\",試算表!AI103,試算表!AJ103))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A432-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK103,\nIF($AS$306=\"中\",試算表!AL103,試算表!AM103))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A432-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN103,\nIF($AS$306=\"中\",試算表!AO103,試算表!AP103))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A432-1>=被保人最大保險年齡,\"\",IF(C432>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O103,\nIF($AS$306=\"中\",試算表!S103,\nIF($AS$306=\"\",試算表!S103,試算表!W103)))+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O103,\nIF($AS$306=\"中\",試算表!S103,\nIF($AS$306=\"\",試算表!S103,試算表!W103)))+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A432-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P103,\nIF($AS$306=\"中\",試算表!T103,\nIF($AS$306=\"\",試算表!T103,試算表!X103)))+IF(美滿定期附約!F99<>\"\",美滿定期附約!F99,0)), \"\")","v":""},null,null,"",""]
[98,null,"",null,{"$f":"IF(總檢核,IF(age+A433-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A433-1>被保人最大保險年齡,\"\",試算表!D104+IF(美滿定期附約!C100<>\"\",美滿定期附約!C100,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A433-1=被保人最大保險年齡,\"\",IF(age+A433-1>被保人最大保險年齡,\"\",試算表!E104+IF(美滿定期附約!D100<>\"\",美滿定期附約!D100,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A433-1>=被保人最大保險年齡,\"\",VLOOKUP($A433,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A433-1>=被保人最大保險年齡,\"\",試算表!I104+IF(美滿定期附約!F100<>\"\",美滿定期附約!F100,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A433-1>=被保人最大保險年齡,\"\",IF(C433>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y104,\nIF($AS$306=\"中\",試算表!Z104,試算表!AA104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y104,IF($AS$306=\"中\",試算表!Z104,試算表!AA104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A433-1>=被保人最大保險年齡,\"\",IF(C433>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB104,\nIF($AS$306=\"中\",試算表!AC104,試算表!AD104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB104,IF($AS$306=\"中\",試算表!AC104,試算表!AD104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A433-1>=被保人最大保險年齡,\"\",IF(C433>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE104,\nIF($AS$306=\"中\",試算表!AF104,試算表!AG104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE104,IF($AS$306=\"中\",試算表!AF104,試算表!AG104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A433-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH104,\nIF($AS$306=\"中\",試算表!AI104,試算表!AJ104))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A433-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK104,\nIF($AS$306=\"中\",試算表!AL104,試算表!AM104))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A433-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN104,\nIF($AS$306=\"中\",試算表!AO104,試算表!AP104))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A433-1>=被保人最大保險年齡,\"\",IF(C433>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O104,\nIF($AS$306=\"中\",試算表!S104,\nIF($AS$306=\"\",試算表!S104,試算表!W104)))+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O104,\nIF($AS$306=\"中\",試算表!S104,\nIF($AS$306=\"\",試算表!S104,試算表!W104)))+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A433-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P104,\nIF($AS$306=\"中\",試算表!T104,\nIF($AS$306=\"\",試算表!T104,試算表!X104)))+IF(美滿定期附約!F100<>\"\",美滿定期附約!F100,0)), \"\")","v":""},null,null,"",""]
[99,null,"",null,{"$f":"IF(總檢核,IF(age+A434-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A434-1>被保人最大保險年齡,\"\",試算表!D105+IF(美滿定期附約!C101<>\"\",美滿定期附約!C101,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A434-1=被保人最大保險年齡,\"\",IF(age+A434-1>被保人最大保險年齡,\"\",試算表!E105+IF(美滿定期附約!D101<>\"\",美滿定期附約!D101,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A434-1>=被保人最大保險年齡,\"\",VLOOKUP($A434,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A434-1>=被保人最大保險年齡,\"\",試算表!I105+IF(美滿定期附約!F101<>\"\",美滿定期附約!F101,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A434-1>=被保人最大保險年齡,\"\",IF(C434>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y105,\nIF($AS$306=\"中\",試算表!Z105,試算表!AA105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y105,IF($AS$306=\"中\",試算表!Z105,試算表!AA105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A434-1>=被保人最大保險年齡,\"\",IF(C434>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB105,\nIF($AS$306=\"中\",試算表!AC105,試算表!AD105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB105,IF($AS$306=\"中\",試算表!AC105,試算表!AD105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A434-1>=被保人最大保險年齡,\"\",IF(C434>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE105,\nIF($AS$306=\"中\",試算表!AF105,試算表!AG105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE105,IF($AS$306=\"中\",試算表!AF105,試算表!AG105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A434-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH105,\nIF($AS$306=\"中\",試算表!AI105,試算表!AJ105))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A434-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK105,\nIF($AS$306=\"中\",試算表!AL105,試算表!AM105))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A434-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN105,\nIF($AS$306=\"中\",試算表!AO105,試算表!AP105))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A434-1>=被保人最大保險年齡,\"\",IF(C434>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O105,\nIF($AS$306=\"中\",試算表!S105,\nIF($AS$306=\"\",試算表!S105,試算表!W105)))+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O105,\nIF($AS$306=\"中\",試算表!S105,\nIF($AS$306=\"\",試算表!S105,試算表!W105)))+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A434-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P105,\nIF($AS$306=\"中\",試算表!T105,\nIF($AS$306=\"\",試算表!T105,試算表!X105)))+IF(美滿定期附約!F101<>\"\",美滿定期附約!F101,0)), \"\")","v":""},null,null,"",""]
[100,null,"",null,{"$f":"IF(總檢核,IF(age+A435-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A435-1>被保人最大保險年齡,\"\",試算表!D106+IF(美滿定期附約!C102<>\"\",美滿定期附約!C102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A435-1=被保人最大保險年齡,\"\",IF(age+A435-1>被保人最大保險年齡,\"\",試算表!E106+IF(美滿定期附約!D102<>\"\",美滿定期附約!D102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A435-1>=被保人最大保險年齡,\"\",VLOOKUP($A435,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A435-1>=被保人最大保險年齡,\"\",試算表!I106+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A435-1>=被保人最大保險年齡,\"\",IF(C435>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y106,\nIF($AS$306=\"中\",試算表!Z106,試算表!AA106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y106,IF($AS$306=\"中\",試算表!Z106,試算表!AA106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A435-1>=被保人最大保險年齡,\"\",IF(C435>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB106,\nIF($AS$306=\"中\",試算表!AC106,試算表!AD106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB106,IF($AS$306=\"中\",試算表!AC106,試算表!AD106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A435-1>=被保人最大保險年齡,\"\",IF(C435>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE106,\nIF($AS$306=\"中\",試算表!AF106,試算表!AG106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE106,IF($AS$306=\"中\",試算表!AF106,試算表!AG106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A435-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH106,\nIF($AS$306=\"中\",試算表!AI106,試算表!AJ106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A435-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK106,\nIF($AS$306=\"中\",試算表!AL106,試算表!AM106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A435-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN106,\nIF($AS$306=\"中\",試算表!AO106,試算表!AP106))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A435-1>=被保人最大保險年齡,\"\",IF(C435>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O106,\nIF($AS$306=\"中\",試算表!S106,\nIF($AS$306=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O106,\nIF($AS$306=\"中\",試算表!S106,\nIF($AS$306=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A435-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P106,\nIF($AS$306=\"中\",試算表!T106,\nIF($AS$306=\"\",試算表!T106,試算表!X106)))+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,"",""]
[101,null,"",null,{"$f":"IF(總檢核,IF(age+A436-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A436-1>被保人最大保險年齡,\"\",試算表!D107+IF(美滿定期附約!C103<>\"\",美滿定期附約!C103,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A436-1=被保人最大保險年齡,\"\",IF(age+A436-1>被保人最大保險年齡,\"\",試算表!E107+IF(美滿定期附約!D103<>\"\",美滿定期附約!D103,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A436-1>=被保人最大保險年齡,\"\",VLOOKUP($A436,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E103<>\"\",美滿定期附約!E103,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A436-1>=被保人最大保險年齡,\"\",試算表!I107+IF(美滿定期附約!F103<>\"\",美滿定期附約!F103,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A436-1>=被保人最大保險年齡,\"\",IF(C436>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y107,\nIF($AS$306=\"中\",試算表!Z107,試算表!AA107)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y107,IF($AS$306=\"中\",試算表!Z107,試算表!AA107)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A436-1>=被保人最大保險年齡,\"\",IF(C436>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB107,\nIF($AS$306=\"中\",試算表!AC107,試算表!AD107)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB107,IF($AS$306=\"中\",試算表!AC107,試算表!AD107)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A436-1>=被保人最大保險年齡,\"\",IF(C436>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE107,\nIF($AS$306=\"中\",試算表!AF107,試算表!AG107)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE107,IF($AS$306=\"中\",試算表!AF107,試算表!AG107)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A436-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH107,\nIF($AS$306=\"中\",試算表!AI107,試算表!AJ107))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A436-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK107,\nIF($AS$306=\"中\",試算表!AL107,試算表!AM107))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A436-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN107,\nIF($AS$306=\"中\",試算表!AO107,試算表!AP107))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A436-1>=被保人最大保險年齡,\"\",IF(C436>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O107,\nIF($AS$306=\"中\",試算表!S107,\nIF($AS$306=\"\",試算表!S107,試算表!W107)))+IF(美滿定期附約!E103<>\"\",美滿定期附約!E103,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O107,\nIF($AS$306=\"中\",試算表!S107,\nIF($AS$306=\"\",試算表!S107,試算表!W107)))+IF(美滿定期附約!E103<>\"\",美滿定期附約!E103,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A436-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P107,\nIF($AS$306=\"中\",試算表!T107,\nIF($AS$306=\"\",試算表!T107,試算表!X107)))+IF(美滿定期附約!F103<>\"\",美滿定期附約!F103,0)), \"\")","v":""},null,null,"",""]
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[108,null,"",null,{"$f":"IF(總檢核,IF(age+A443-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A443-1>被保人最大保險年齡,\"\",試算表!D114+IF(美滿定期附約!C110<>\"\",美滿定期附約!C110,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A443-1=被保人最大保險年齡,\"\",IF(age+A443-1>被保人最大保險年齡,\"\",試算表!E114+IF(美滿定期附約!D110<>\"\",美滿定期附約!D110,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A443-1>=被保人最大保險年齡,\"\",VLOOKUP($A443,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E110<>\"\",美滿定期附約!E110,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A443-1>=被保人最大保險年齡,\"\",試算表!I114+IF(美滿定期附約!F110<>\"\",美滿定期附約!F110,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A443-1>=被保人最大保險年齡,\"\",IF(C443>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y114,\nIF($AS$306=\"中\",試算表!Z114,試算表!AA114)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y114,IF($AS$306=\"中\",試算表!Z114,試算表!AA114)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A443-1>=被保人最大保險年齡,\"\",IF(C443>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB114,\nIF($AS$306=\"中\",試算表!AC114,試算表!AD114)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB114,IF($AS$306=\"中\",試算表!AC114,試算表!AD114)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A443-1>=被保人最大保險年齡,\"\",IF(C443>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE114,\nIF($AS$306=\"中\",試算表!AF114,試算表!AG114)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE114,IF($AS$306=\"中\",試算表!AF114,試算表!AG114)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A443-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH114,\nIF($AS$306=\"中\",試算表!AI114,試算表!AJ114))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A443-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK114,\nIF($AS$306=\"中\",試算表!AL114,試算表!AM114))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A443-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN114,\nIF($AS$306=\"中\",試算表!AO114,試算表!AP114))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A443-1>=被保人最大保險年齡,\"\",IF(C443>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O114,\nIF($AS$306=\"中\",試算表!S114,\nIF($AS$306=\"\",試算表!S114,試算表!W114)))+IF(美滿定期附約!E110<>\"\",美滿定期附約!E110,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O114,\nIF($AS$306=\"中\",試算表!S114,\nIF($AS$306=\"\",試算表!S114,試算表!W114)))+IF(美滿定期附約!E110<>\"\",美滿定期附約!E110,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A443-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P114,\nIF($AS$306=\"中\",試算表!T114,\nIF($AS$306=\"\",試算表!T114,試算表!X114)))+IF(美滿定期附約!F110<>\"\",美滿定期附約!F110,0)), \"\")","v":""},null,null,"",""]
[109,null,"",null,{"$f":"IF(總檢核,IF(age+A444-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A444-1>被保人最大保險年齡,\"\",試算表!D115+IF(美滿定期附約!C111<>\"\",美滿定期附約!C111,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A444-1=被保人最大保險年齡,\"\",IF(age+A444-1>被保人最大保險年齡,\"\",試算表!E115+IF(美滿定期附約!D111<>\"\",美滿定期附約!D111,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A444-1>=被保人最大保險年齡,\"\",VLOOKUP($A444,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E111<>\"\",美滿定期附約!E111,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A444-1>=被保人最大保險年齡,\"\",試算表!I115+IF(美滿定期附約!F111<>\"\",美滿定期附約!F111,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A444-1>=被保人最大保險年齡,\"\",IF(C444>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y115,\nIF($AS$306=\"中\",試算表!Z115,試算表!AA115)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y115,IF($AS$306=\"中\",試算表!Z115,試算表!AA115)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A444-1>=被保人最大保險年齡,\"\",IF(C444>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB115,\nIF($AS$306=\"中\",試算表!AC115,試算表!AD115)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB115,IF($AS$306=\"中\",試算表!AC115,試算表!AD115)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A444-1>=被保人最大保險年齡,\"\",IF(C444>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE115,\nIF($AS$306=\"中\",試算表!AF115,試算表!AG115)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE115,IF($AS$306=\"中\",試算表!AF115,試算表!AG115)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A444-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH115,\nIF($AS$306=\"中\",試算表!AI115,試算表!AJ115))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A444-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK115,\nIF($AS$306=\"中\",試算表!AL115,試算表!AM115))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A444-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN115,\nIF($AS$306=\"中\",試算表!AO115,試算表!AP115))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A444-1>=被保人最大保險年齡,\"\",IF(C444>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O115,\nIF($AS$306=\"中\",試算表!S115,\nIF($AS$306=\"\",試算表!S115,試算表!W115)))+IF(美滿定期附約!E111<>\"\",美滿定期附約!E111,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O115,\nIF($AS$306=\"中\",試算表!S115,\nIF($AS$306=\"\",試算表!S115,試算表!W115)))+IF(美滿定期附約!E111<>\"\",美滿定期附約!E111,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A444-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P115,\nIF($AS$306=\"中\",試算表!T115,\nIF($AS$306=\"\",試算表!T115,試算表!X115)))+IF(美滿定期附約!F111<>\"\",美滿定期附約!F111,0)), \"\")","v":""},null,null,"",""]
[110,null,"",null,{"$f":"IF(總檢核,IF(age+A445-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A445-1>被保人最大保險年齡,\"\",試算表!D116+IF(美滿定期附約!C112<>\"\",美滿定期附約!C112,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A445-1=被保人最大保險年齡,\"\",IF(age+A445-1>被保人最大保險年齡,\"\",試算表!E116+IF(美滿定期附約!D112<>\"\",美滿定期附約!D112,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A445-1>=被保人最大保險年齡,\"\",VLOOKUP($A445,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A445-1>=被保人最大保險年齡,\"\",試算表!I116+IF(美滿定期附約!F112<>\"\",美滿定期附約!F112,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A445-1>=被保人最大保險年齡,\"\",IF(C445>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!Y116,\nIF($AS$306=\"中\",試算表!Z116,試算表!AA116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!Y116,IF($AS$306=\"中\",試算表!Z116,試算表!AA116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A445-1>=被保人最大保險年齡,\"\",IF(C445>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AB116,\nIF($AS$306=\"中\",試算表!AC116,試算表!AD116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AB116,IF($AS$306=\"中\",試算表!AC116,試算表!AD116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A445-1>=被保人最大保險年齡,\"\",IF(C445>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!AE116,\nIF($AS$306=\"中\",試算表!AF116,試算表!AG116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$306=\"無\",試算表!AE116,IF($AS$306=\"中\",試算表!AF116,試算表!AG116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A445-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AH116,\nIF($AS$306=\"中\",試算表!AI116,試算表!AJ116))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A445-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AK116,\nIF($AS$306=\"中\",試算表!AL116,試算表!AM116))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A445-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!AN116,\nIF($AS$306=\"中\",試算表!AO116,試算表!AP116))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A445-1>=被保人最大保險年齡,\"\",IF(C445>喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O116,\nIF($AS$306=\"中\",試算表!S116,\nIF($AS$306=\"\",試算表!S116,試算表!W116)))+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$306=\"無\",試算表!O116,\nIF($AS$306=\"中\",試算表!S116,\nIF($AS$306=\"\",試算表!S116,試算表!W116)))+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A445-1>=被保人最大保險年齡,\"\",\nIF($AS$306=\"無\",試算表!P116,\nIF($AS$306=\"中\",試算表!T116,\nIF($AS$306=\"\",試算表!T116,試算表!X116)))+IF(美滿定期附約!F112<>\"\",美滿定期附約!F112,0)), \"\")","v":""},null,null,"",""]
[]
[{"$f":"IF(總檢核,\" 被保險人保險年齡達\"&被保人最大保險年齡&\"歲之保單週年日仍生存時，給付「祝壽保險金」\"& TEXT(祝壽保險金_100,\"#,##0\") &\"元及「假設紅利_分紅保額(\"&$AS$306&\")」\"&IF($AS$306=\"中\",TEXT(假設紅利_中分紅,\"#,##0\"),IF($AS$306=\"低\",TEXT(假設紅利_低分紅,\"#,##0\"),TEXT(假設紅利_無分紅,\"#,##0\")))&\"元(給付後保險契約效力終止)。\", \"\")","v":" 被保險人保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000元及「假設紅利_分紅保額(無)」0元(給付後保險契約效力終止)。"}]
[]
[{"$f":"IF(BNLTRU1_SA=0,\"\",\"＊\")","v":""},{"$f":"IF(BNLTRU1_SA=0,\"\",\"如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產稅喪葬費扣除額之一半(新臺幣69萬元)為上限給付之，其超過部分保誠人壽無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。\")","v":""}]
[{"$f":"IF(BNLTRU1_SA=0,\"\",\"＊\")","v":""},{"$f":"IF(BNLTRU1_SA=0,\"\",\"建議書所載15歲之當年度末壽險保障，於投保當時未滿15足歲者為喪葬費用保險金，已滿15足歲者則為身故保險金，惟實際給付金額應依條款約定為準。\")","v":""}]
[{"$f":"IF(BNLTRU1_SA=0,\"\",\"＊\")","v":""},{"$f":"IF(BNLTRU1_SA=0,\"\",\"本建議書預設之喪葬費用保險金係依法定上限，採1美元兌換32元新臺幣之匯率計算，實際匯率換算則依條款約定為準。\")","v":""}]
["＊",{"$f":"IF(BNLTRU1_SA=0,\"如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產稅喪葬費扣除額之一半(新臺幣69萬元)為上限給付之，其超過部分保誠人壽無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。\",\"上表所列數值為依客戶假設需求 - 主約「\"&商品名稱&\"」及附約「\"&BNLTRU1商品名稱&\"」各項給付加總而成，實際情況可能因不同需求而有差異，詳細商品內容及注意事項請詳各商品獨立之保單條款及簡介等文件。\")","v":"如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產稅喪葬費扣除額之一半(新臺幣69萬元)為上限給付之，其超過部分保誠人壽無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。"}]
["＊",{"$f":"IF(BNLTRU1_SA=0,\"建議書所載15歲之當年度末壽險保障，於投保當時未滿15足歲者為喪葬費用保險金，已滿15足歲者則為身故保險金，惟實際給付金額應依條款約定為準。\",\"「\"&商品名稱&\"」為分紅保險單，保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)；「\"&BNLTRU1商品名稱&\"」為不分紅保險單，不參加紅利分配，並無紅利給付項目。\")","v":"建議書所載15歲之當年度末壽險保障，於投保當時未滿15足歲者為喪葬費用保險金，已滿15足歲者則為身故保險金，惟實際給付金額應依條款約定為準。"}]
[{"$f":"IF(BNLTRU1_SA=0,\"＊\",\"\")","v":"＊"},{"$f":"IF(BNLTRU1_SA=0,\"本建議書預設之喪葬費用保險金係依法定上限，採1美元兌換32元新臺幣之匯率計算，實際匯率換算則依條款約定為準。\",\"\")","v":"本建議書預設之喪葬費用保險金係依法定上限，採1美元兌換32元新臺幣之匯率計算，實際匯率換算則依條款約定為準。"}]
["●",{"$f":"\"主約：\"&商品名稱","v":"主約：保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)"}]
["1.","壽險保障：被保險人於保險契約有效期間內身故或完全失能者，保誠人壽按身故或完全失能診斷確定當時之下列三款計算方式所得金額之最大者給付「身故保險金」或「完全失能保險金」：(1)「基本保險金額」乘以保單條款附表二之當年度保險金額比率。(2)「基本保險金額」的保單價值準備金乘以保單條款附表三之保單價值準備金比率。(3)「應已繳總保費」。給付後，保險契約效力即行終止。惟若要保人選擇保險金分期定期給付，則保險契約效力改於『分期定期保險金給付期間』屆滿時終止。"]
["2.","「當年度末解約金/祝壽保險金」：其數值於被保險人109歲(含)前之各保單年度係指「當年度末解約金」，於被保險人保險年齡達110歲當年之保單週年日則為「祝壽保險金」，「祝壽保險金」數值呈現於上表被保險人109歲欄位，給付後，保險契約效力即行終止。"]
["3.","假設紅利_分紅保額：係分別呈現「當年度末增額分紅保額」、「累積已分配增額分紅保額」及「長青額外分紅保額」。"]
["4.","假設紅利_分紅保額解約金：係分別呈現「當年度末增額分紅保額」、「累積已分配增額分紅保額」及「長青解約額外分紅保額」所計算之保單價值準備金(即解約金)。"]
["5.","「額外分紅保額」：為給付以一次為限之分紅保額，分為「長青額外分紅保額」及「長青解約額外分紅保額」。「額外分紅保額」自宣告日起一年內有效，並不逐年累積，其金額因每年紅利宣告之不同，可能增加或減少。"]
["6.","辦理減額繳清或展期定期保險後，上表所載數值將不適用；辦理展期定期保險後將不再享有紅利分配。"]
["*","本商品預定利率為2.5%，其係用以計算保險費及解約金之依據之一，非本保單的投資報酬率。"]
["*","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
["*","上表所列之假設紅利數值為假設不同投資報酬率(中分紅、低分紅分別為5.25%、2.75%；假設無分紅狀況下，分紅數值為零)，並考慮合理的理賠率及費用率等整體經營績效後而得，不表示保單之實際紅利，亦不能作為未來分紅之保證或推論，實際紅利金額可能較高或較低。"]
["*","上表「當年度末壽險保障及假設紅利_分紅保額」所指「假設紅利_分紅保額」為「累積已分配增額分紅保額」及「長青額外分紅保額」加總之和。"]
["*","上表「假設紅利_分紅保額」及「當年度末壽險保障及假設紅利_分紅保額」於被保險人投保當時未滿15足歲者，其15歲(含)以下保單年度數值將以\"*****\"呈現，惟實際給付金額應依條款約定為準。"]
["*","屆滿第5保單年度的「分紅保額」於第6保單年度之首日分配，並呈現於上表第6保單年度之「假設紅利_分紅保額」及「假設紅利_分紅保額解約金」欄位，依此類推。"]
["*","上表數值以四捨五入呈現至元，給付時將以實際計算結果為準。"]
[]
["●",{"$f":"\"附約：\"&BNLTRU1商品名稱","v":"附約：保誠人壽美滿人生美元定期壽險附約"}]
["1.","壽險保障：被保險人於本附約有效期間內身故或完全失能者，保誠人壽按身故或完全失能診斷確定當時之「保險金額」給付「身故保險金」或「完全失能保險金」，另加計按日數比例計算當期已繳付之未到期保險費。給付後本附約效力即行終止。"]
["2.","辦理減額繳清或展期定期保險後，上表所載數值將不適用。"]
[]
["商品揭露與注意事項"]
[]
["給付項目：身故保險金或喪葬費用保險金、完全失能保險金、祝壽保險金"]
[]
["【給付項目】"]
[]
["1.","『身故保險金或喪葬費用保險金、完全失能保險金』(本建議書所載之壽險保障)"]
[null,"被保險人於保險契約有效期間內身故或完全失能者，保誠人壽按下列三款計算方式所得金額之最大者給付「身故保險金」或「完全失能保險金」："]
[null,"(1)","身故或完全失能診斷確定當時之「基本保險金額」乘以保單條款附表二之當年度保險金額比率。"]
[null,"(2)","身故或完全失能診斷確定當時之「基本保險金額」的保單價值準備金乘以保單條款附表三之保單價值準備金比率。"]
[null,"(3)","身故或完全失能診斷確定當時之「應已繳總保費」。"]
[null,"保誠人壽除依前項給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併計入身故保險金或完全失能保險金給付。"]
[null,"訂立保險契約時，以未滿十五足歲之未成年人為被保險人，除喪葬費用之給付外，其餘死亡給付之約定於被保險人滿十五足歲之日起發生效力；被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金；倘要保人有指定分期方式給付者，其指定無效。"]
[null,"保誠人壽除依前項給付外，另將「累積已分配增額分紅保額」的保單價值準備金與當時有效之「長青解約額外分紅保額」的保單價值準備金退還予要保人。"]
[null,"訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金；倘要保人有指定分期方式給付者，其指定無效。"]
[null,"『喪葬費用保險金』之相關給付，請詳保單條款約定。"]
[null,"被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。"]
[null,"保誠人壽依保單條款約定給付身故保險金或喪葬費用保險金、完全失能保險金後，保險契約效力即行終止。惟若要保人有指定分期方式給付身故保險金(不包括變更為喪葬費用保險金)或完全失能保險金，改依保單條款『分期定期保險金的給付』及『分期定期保險金給付約定之變更、終止及其限制』約定辦理，不因保險契約終止而無效。"]
[]
["2.","『祝壽保險金』"]
[null,"被保險人於保險契約有效期間內於「保險期間屆滿日」仍生存者，保誠人壽按下列三款計算方式所得金額之最大者給付祝壽保險金後，保險契約之效力即行終止："]
[null,"(1)","「保險期間屆滿日」當時之「基本保險金額」。"]
[null,"(2)","「保險期間屆滿日」當時之「基本保險金額」的保單價值準備金。"]
[null,"(3)","「保險期間屆滿日」當時之「應已繳總保費」。"]
[null,"保誠人壽除依前項給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。"]
[]
["*","『基本保險金額』：係指保險單所載明之保險金額。如該保險金額有所變更時，以變更後之保險金額為準。「基本保險金額」並不包含因「增額分紅保額」與「額外分紅保額」所增加的保險金額。"]
["*","『應已繳總保費』：於繳費期間內係指按「基本保險金額」計算「標準體」之年繳保險費乘以保單年度數之金額；於繳費期滿後，係指按「基本保險金額」計算「標準體」之年繳保險費乘以繳費年期之金額。"]
["*","『保險期間屆滿日』：係指被保險人「保險年齡」達一百一十歲當年之保單週年日。"]
[]
["【紅利給付項目-非保證給付】"]
[]
["1.","保險契約所稱「紅利」即「分紅保額」，包括「增額分紅保額」與「額外分紅保額」。"]
[null,"(1)","保誠人壽每年依據分紅保險業務會計年度(紅利決算基準日12月31日)結算之實際累積營運結果及各該保險單依保單紅利計算與分配說明所載之方式計算「增額分紅保額」及「額外分紅保額」金額，每年由董事會核定後宣告；其中「額外分紅保額」自宣告日起一年有效，且每年所宣告之金額會因實際狀況而有不同。"]
[null,"(2)","於保險契約有效期間內，「增額分紅保額」於屆滿第五保單年度起之各保單週年日分配，「額外分紅保額」於屆滿第五保單年度起適用，倘依「保單紅利計算與分配說明」得有「增額分紅保額」及「額外分紅保額」，則依下列情形給付："]
[null,"一、",null,"被保險人發生身故、完全失能或「保險期間屆滿日」仍生存時，保誠人壽給付「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」。"]
[null,"二、",null,"當要保人辦理終止契約，保誠人壽給付「累積已分配增額分紅保額」的保單價值準備金與當時有效之「長青解約額外分紅保額」的保單價值準備金。上述保單價值準備金之金額將小於「累積已分配增額分紅保額」與「長青解約額外分紅保額」之數值。"]
[null,"(3)","當「增額分紅保額」累積達有保單價值準備金時，要保人得申請減少全部或部分有效之「累積已分配增額分紅保額」，保誠人壽以減少部分之「累積已分配增額分紅保額」的保單價值準備金給付予要保人。上述保單價值準備金之金額將小於所申請減少之「累積已分配增額分紅保額」。申請減少之「累積已分配增額分紅保額」視為終止契約，未來每年分配的「增額分紅保額」與「額外分紅保額」將因此減少。"]
[]
["*","『增額分紅保額』：為每年(經宣告後)分配一次之分紅保額。"]
["*","『額外分紅保額』：為給付以一次為限之分紅保額，分為「長青額外分紅保額」與「長青解約額外分紅保額」。「額外分紅保額」自宣告日起一年有效，並不逐年累積，因此每年公佈之「額外分紅保額」金額可能較前一年度增加，亦可能減少。"]
[null,"「長青額外分紅保額」為被保險人身故、完全失能或「保險期間屆滿日」仍生存時給付之「額外分紅保額」。"]
[null,"「長青解約額外分紅保額」為要保人終止契約或契約失效時，計算保單價值準備金之「額外分紅保額」。"]
["*","『累積已分配增額分紅保額』：係指保險契約有效期間各年度已分配「增額分紅保額」的總和，並依保單條款約定於被保險人身故、完全失能、「保險期間屆滿日」仍生存、要保人終止契約或契約失效時給付，但須扣除因要保人所減少「累積已分配增額分紅保額」之保額。"]
[]
["2.","依主管機關規定，分紅人壽保險商品如有連續二年未能達到最可能紅利金額(保額)(中分紅)之累積值時，保誠人壽應向主管機關說明理由及改善措施。"]
[]
[null,"保單紅利計算"]
[null,"於設計保單分紅保額時，係先以當前經濟環境及資產配置所推算之預期投資報酬率假設(中分紅假設紅利情境之投資報酬率)及各項基於公司經驗設定之負債面假設，例如死亡率、保單繼續率及各項費用率等，推算未來每一保單年度的保費收入、投資收入、保險理賠支出、解約金給付及各項費用支出，得出每一保單年度的累積盈餘，並以此累積盈餘作為設計保單分紅保額的財源。"]
[null,"本商品「增額分紅保額」採用保額累加滾存方式設計，於紅利開始分配年度後，每一年度宣告的「增額分紅保額」，均以「基本保險金額」及「累積已分配增額分紅保額」為基礎往上疊加，達到後期保額的加速累積效果，計算公式如下："]
[null,"增額分紅保額(t) = 基本保險金額(t) × x(t) + 累積已分配增額分紅保額(t-1) × y(t)"]
[null,"其中，"]
[null,"n","x(t)：第t保單年度於「基本保險金額(t)」之分紅保額比率；"]
[null,"n","y(t)：第t保單年度於「累積已分配增額分紅保額(t-1)」之分紅保額比率；"]
[null,"n","t：保單年度。"]
[null,"「長青額外分紅保額」及「長青解約額外分紅保額」則是以「基本保險金額」加上「累積已分配增額分紅保額」的一個比例來設計，於紅利開始適用年度後，提供額外的保險金額與解約金，計算公式如下："]
[null,"長青額外分紅保額(t) = ( 基本保險金額(t) + 累積已分配增額分紅保額(t) ) × z1(t)"]
[null,"長青解約額外分紅保額(t) = ( 基本保險金額(t) + 累積已分配增額分紅保額(t) ) × z2(t)"]
[null,"其中，"]
[null,"n","z1(t)：第t保單年度長青額外分紅保額之分紅保額比率；"]
[null,"n","z2(t)：第t保單年度長青解約額外分紅保額之分紅保額比率；"]
[null,"n","t：保單年度。"]
[null,"設計時先以前述的累積盈餘支應「增額分紅保額」，並於週年日以提高保險金額的方式，分配予保險契約仍然有效之保戶。剩餘的累積盈餘則以提供「長青額外分紅保額」及「長青解約額外分紅保額」的方式，分別於保戶身故/完全失能/達保險期間屆滿日仍生存，及要保人終止保險契約時給付。如此透過保單分紅保額的設計，逐步將累積盈餘依約定之比例(本商品分配予要保人之比例為85%，符合主管機關之規定，剩餘之15%則分配予股東)，全數分配給保戶及股東。"]
[null,"以本商品的中分紅假設紅利情境為例，以投資報酬率假設5.25%及各項負債面假設(包含死亡率、保單繼續率及各項費用率等)計算每一保單年度的累積盈餘，先用以支應「增額分紅保額」，達到設定的壽險保額初步提升目標。「長青額外分紅保額」及「長青解約額外分紅保額」則如前述，係以累積盈餘支應「增額分紅保額」成本後之餘額，決定可提供之保額，協助保戶達到壽險保障規劃的需求。於保戶獲得分紅保額的同時，以分紅保額成本及分配予要保人之比例，計算股東可分配之紅利，並由累積盈餘中扣除，最終將累積盈餘全數分配給保戶及股東。"]
[]
[null,{"$f":"IF(保額比率揭露=1,保額比率_1,IF(保額比率揭露=2,保額比率_2,IF(保額比率揭露=3,保額比率_3,保額比率_4)))","v":"以保戶投保年齡40歲男性，上述x為0.25%；y為0.25%；長青額外分紅保額之分紅保額比率(z1)介於100.00%至316.83%之間；長青解約額外分紅保額之分紅保額比率(z2)介於44.00%至316.83%之間。"}]
[]
["【分期定期保險金的給付】"]
[]
["1.","要保人選擇身故保險金(不包括變更為喪葬費用保險金)或完全失能保險金為分期定期給付者，保誠人壽自「分期定期給付開始日」起，依「分期定期保險金給付期間」及「分期定期保險金預定利率」將「指定保險金」換算成每年初應給付之金額，按約定將每期分期定期保險金給付予受益人。「分期定期保險金給付期間」屆滿時，分期定期給付之約定即行終止。"]
[]
["2.","「分期定期給付開始日」時，除前項分期定期保險金之給付外，保誠人壽並將按身故保險金或完全失能保險金各受益人得受領之保險金，扣除「指定保險金」後之餘額，給付予各受益人。"]
[]
["3.","保誠人壽按約定給付分期定期保險金後，成為不分紅保單，不享有紅利分配。"]
[]
["*","「指定保險金」係指符合身故保險金(不包括變更為喪葬費用保險金)或完全失能保險金申領條件時，以該保險金各受益人得受領之保險金乘以於要保書或保險契約有效期間內於保險事故發生前另行批註約定之比例所得之金額；該金額係作為保誠人壽分期定期給付每期應給付予受益人保險金之換算依據。"]
["*","「分期定期保險金預定利率」係指保誠人壽於「分期定期給付開始日」用以計算分期給付金額之利率。該利率係以「分期定期給付開始日」保誠人壽公告於保誠人壽網站之利率為準。"]
["*","「分期定期給付開始日」係指受益人檢齊申請身故、完全失能保險金之所需文件並送達保誠人壽後保誠人壽開始給付分期定期保險金之日，但該給付開始日不得晚於受益人備齊申請身故、完全失能保險金之所需文件並送達保誠人壽之日起十五日。"]
["*","「分期定期保險金給付期間」係指依保險契約要保書約定之給付期間，該期間為五年、十年、十五年、二十年或二十五年，如該期間有所變更時，則以變更後並批註於保險單之期間為準。"]
["*","每年給付之分期定期保險金低於五千美元者，保誠人壽將一次給付「指定保險金」予保險契約受益人，分期定期給付之約定即行終止。"]
[]
["【注意事項】"]
[]
["1.","投保後解約或不繼續繳費可能不利消費者，請慎選符合需求之保險商品。"]
["2.","保險契約各項權利義務皆詳列於保單條款，消費者務必詳加閱讀了解，並把握保單契約撤銷之時效(收到保單翌日起算十日內)。"]
["3.","本商品為以外幣收付之非投資型人身保險契約，不得與新臺幣收付之人身保險契約辦理契約轉換。"]
["4.","本商品保險費之收取或返還、給付各項保險金或解約金、支付保險單借款或保險單借款本息之收取及其他款項收付之幣別，皆以美元為貨幣單位。要保人及受益人須留意美元在未來兌換成新臺幣將會因匯率不同，產生匯兌上的差異，此差異可能使要保人及受益人享有匯兌價差的收益或造成損失，要保人及受益人須自行承擔該部分之風險及該幣別所屬國家之政治、經濟變動風險。"]
["5.","本商品為保險商品，受人身保險安定基金保障，非屬存款，故不受存款保險之保障。"]
["6.","本商品經保誠人壽合格簽署人員檢視其內容業已符合一般精算原則及保險法令，惟為確保權益，基於保險公司與消費者衡平對等原則，消費者仍應詳加閱讀保險單條款與相關文件，審慎選擇保險商品。本商品如有虛偽不實或違法情事，應由保誠人壽及負責人依法負責。"]
["7.","人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。消費者如欲進一步參考實質課稅相關案例，請詳保誠人壽網站。"]
["8.","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["9.","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高47%，最低12%，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
["10.","本商品係由保誠人壽提供並負擔基於保險契約所生之權利義務，與保誠人壽合作之各保險代理人或保險經紀人協助招攬及代收保費(含保險文件之轉交)，承保與否及保險給付之責任由保誠人壽負責，惟各保險代理人或保險經紀人並不因此而與保誠人壽成立合夥、委任或僱傭等任何關係。"]
[]
["保費效益比"]
[]
["1.",{"$f":"\"下列表格數值係指投保\"&商品名稱&\"(6年期)，各保單年度末解約金及假設紅利(中)總和與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)(6年期)，各保單年度末解約金及假設紅利(中)總和與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                       投保年齡\n 保單年度",null,null,null,null,"5歲",null,null,null,"35歲",null,null,null,"65歲"]
[null,null,null,null,null,null,"男",null,"女",null,"男",null,"女",null,"男",null,"女"]
[null,1,null,null,null,null,27,null,27,null,31,null,31,null,35,null,36]
[null,2,null,null,null,null,35,null,36,null,41,null,42,null,46,null,48]
[null,3,null,null,null,null,38,null,39,null,44,null,45,null,50,null,52]
[null,4,null,null,null,null,43,null,43,null,49,null,50,null,56.000000000000007,null,56.999999999999993]
[null,5,null,null,null,null,49,null,50,null,56.000000000000007,null,57.999999999999993,null,64,null,66]
[null,10,null,null,null,null,103,null,104,null,101,null,103,null,91,null,94]
[null,15,null,null,null,null,108,null,109.00000000000001,null,106,null,108,null,90,null,94]
[null,20,null,null,null,null,113.99999999999999,null,115.99999999999999,null,112.00000000000001,null,113.99999999999999,null,88,null,93]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
["2.","保費效益比公式如下："]
[]
[null,"註1：",null,"CVm為第m保單年度之年末解約金(本險為基本保險金額之解約金加上可能「累積已分配增額分紅保額」及「長青解約額外分紅保額」所計算之保單價值準備金)。"]
[null,"註2：",null,"GPt為第t保單年度之年繳保險費。"]
[null,"註3：",null,"Endt為第t保單年度之生存保險金(本險無生存保險金，故值為0)。"]
[null,"註4：",null,"m=1~5、10、15、20"]
[null,"註5：",null,"i為113年度之十二個月臺灣銀行股份有限公司、第一商業銀行股份有限公司與合作金庫商業銀行股份有限公司每月初(每月第一個營業日)牌告之二年期定期儲蓄存款最高年利率之平均值(1.72%)。"]
[null,"註6：",null,"Σ為加總之符號。"]
[]
["3.","上述保費效益比是依據主管機關規定，應揭露依被保險人性別，以至少三個主要年齡層之代表年齡計算之數值。"]
[]
["※","銷售人員已提供「建議書」予要保人，並清楚說明文件內容。要保人聲明已審閱並瞭解本建議書之說明，同時確認銷售人員已分析本人需求，並提供符合本人需求之保險商品。"]
["※","本人已了解保單紅利為非保證給付項目，可能會變動為較高或較低之數字，且在最極端的情況下，紅利可能為零。銷售人員已確實告知上述情事。"]
[]
[null,"要保人簽名：________________________________",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"法定代理人簽名：____________________________________________"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(要保人未成年者，由法定代理人簽名)"]
[null,"業務員/經紀人/"]
[null,"保險代理人簽名： (1) _________________________  (2) _________________________",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"申請日期：_______年_______月_______日"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(由要保人填寫)"]

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[]
["商品備查文號：民國113年05月13日保誠總字第1130546號"]
["商品備查文號：民國114年01月01日保誠總字第1140017號"]
[{"$f":"商品名稱&\"建議書\"","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)建議書"}]
[]
[{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"●\"),\"\")","v":""},{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"主約：\"&商品名稱),\"\")","v":""},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回資料輸入"]
[null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"要保人：\"&要保人_顯示,\"保額：\"&保額_顯示),\"要保人：\")","v":"要保人：貴保戶 君"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"被保險人：\"&被保人_顯示,\"每期原始保費：\"&每期原始保費_顯示),\"被保險人：\")","v":"被保險人：貴保戶 君"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"被保險人性別/年齡：\"&被保人性別年齡_顯示,\"每期折扣後保費：\"&每期折扣後保費_顯示),\"被保險人性別/年齡：\")","v":"被保險人性別/年齡：男/40歲"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"保障期間：\"&保障年期_顯示,\"保障期間：\")","v":"保障期間：達110歲之保單週年日"},null,null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"年期：\"&繳費年期_顯示,\"年期：\")","v":"年期：6年"}]
[{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"●\"),\"\")","v":""},{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",IF(BNLTRU1_SA=0,\"\",\"附約：\"&BNLTRU1商品名稱)),\"\")","v":""}]
[null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"保額：\"&保額_顯示,\"保額：\"&TEXT(BNLTRU1_SA*10,\"#,##0\")&\"仟元\"&\"(\"&幣別&\")\"),\"保額：\")","v":"保額：100,000元(美元)"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"每期原始保費：\"&每期原始保費_顯示,\"每期原始保費：\"&TEXT(BNLTRU1_首期表定保費,\"#,##0\")&\"元\"),\"每期原始保費：\")","v":"每期原始保費：10,190元"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"每期折扣後保費：\"&每期折扣後保費_顯示,\"每期折扣後保費：\"&TEXT(BNLTRU1_首期折扣後保費,\"#,##0\")&\"元\"),\"每期折扣後保費：\")","v":"每期折扣後保費：10,038元"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"\",\"保障期間：\"&BNLTRU1年期&\"年\"),\"\")","v":""},null,null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_原始保費=0,\"\",\"年期：\"&BNLTRU1年期&\"年\"),\"\")","v":""}]
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[null,{"$f":"IF(總檢核,\"繳別：\"&繳別_顯示,\"繳別：\")","v":"繳別：年繳"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(BNLTRU1_SA=0,\"高保費折扣：\"&高保費折扣_顯示,IF(高保費折扣率=0,\"\",\"主約高保費折扣：\"&高保費折扣_顯示)),\"高保費折扣：\")","v":"高保費折扣：0.5%"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"首期/續期繳費折扣：\"&繳費折扣_顯示,\"首期/續期繳費折扣：\")","v":"首期/續期繳費折扣：1%"}]
[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","中"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[86,null,"",null,{"$f":"IF(總檢核,IF(age+A175-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A175-1>被保人最大保險年齡,\"\",試算表!D92+IF(美滿定期附約!C88<>\"\",美滿定期附約!C88,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A175-1=被保人最大保險年齡,\"\",IF(age+A175-1>被保人最大保險年齡,\"\",試算表!E92+IF(美滿定期附約!D88<>\"\",美滿定期附約!D88,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A175-1>=被保人最大保險年齡,\"\",VLOOKUP($A175,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E88<>\"\",美滿定期附約!E88,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A175-1>=被保人最大保險年齡,\"\",試算表!I92+IF(美滿定期附約!F88<>\"\",美滿定期附約!F88,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A175-1>=被保人最大保險年齡,\"\",IF(C175>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!Y92,\nIF($AS$16=\"中\",試算表!Z92,試算表!AA92)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!Y92,IF($AS$16=\"中\",試算表!Z92,試算表!AA92)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A175-1>=被保人最大保險年齡,\"\",IF(C175>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AB92,\nIF($AS$16=\"中\",試算表!AC92,試算表!AD92)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AB92,IF($AS$16=\"中\",試算表!AC92,試算表!AD92)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A175-1>=被保人最大保險年齡,\"\",IF(C175>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AE92,\nIF($AS$16=\"中\",試算表!AF92,試算表!AG92)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AE92,IF($AS$16=\"中\",試算表!AF92,試算表!AG92)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A175-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AH92,\nIF($AS$16=\"中\",試算表!AI92,試算表!AJ92))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A175-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AK92,\nIF($AS$16=\"中\",試算表!AL92,試算表!AM92))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A175-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AN92,\nIF($AS$16=\"中\",試算表!AO92,試算表!AP92))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A175-1>=被保人最大保險年齡,\"\",IF(C175>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O92,\nIF($AS$16=\"中\",試算表!S92,\nIF($AS$16=\"\",試算表!S92,試算表!W92)))+IF(美滿定期附約!E88<>\"\",美滿定期附約!E88,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O92,\nIF($AS$16=\"中\",試算表!S92,\nIF($AS$16=\"\",試算表!S92,試算表!W92)))+IF(美滿定期附約!E88<>\"\",美滿定期附約!E88,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A175-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!P92,\nIF($AS$16=\"中\",試算表!T92,\nIF($AS$16=\"\",試算表!T92,試算表!X92)))+IF(美滿定期附約!F88<>\"\",美滿定期附約!F88,0)), \"\")","v":""},null,null,"",""]
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[88,null,"",null,{"$f":"IF(總檢核,IF(age+A177-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A177-1>被保人最大保險年齡,\"\",試算表!D94+IF(美滿定期附約!C90<>\"\",美滿定期附約!C90,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A177-1=被保人最大保險年齡,\"\",IF(age+A177-1>被保人最大保險年齡,\"\",試算表!E94+IF(美滿定期附約!D90<>\"\",美滿定期附約!D90,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A177-1>=被保人最大保險年齡,\"\",VLOOKUP($A177,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E90<>\"\",美滿定期附約!E90,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A177-1>=被保人最大保險年齡,\"\",試算表!I94+IF(美滿定期附約!F90<>\"\",美滿定期附約!F90,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A177-1>=被保人最大保險年齡,\"\",IF(C177>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!Y94,\nIF($AS$16=\"中\",試算表!Z94,試算表!AA94)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!Y94,IF($AS$16=\"中\",試算表!Z94,試算表!AA94)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A177-1>=被保人最大保險年齡,\"\",IF(C177>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AB94,\nIF($AS$16=\"中\",試算表!AC94,試算表!AD94)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AB94,IF($AS$16=\"中\",試算表!AC94,試算表!AD94)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A177-1>=被保人最大保險年齡,\"\",IF(C177>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AE94,\nIF($AS$16=\"中\",試算表!AF94,試算表!AG94)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AE94,IF($AS$16=\"中\",試算表!AF94,試算表!AG94)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A177-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AH94,\nIF($AS$16=\"中\",試算表!AI94,試算表!AJ94))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A177-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AK94,\nIF($AS$16=\"中\",試算表!AL94,試算表!AM94))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A177-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AN94,\nIF($AS$16=\"中\",試算表!AO94,試算表!AP94))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A177-1>=被保人最大保險年齡,\"\",IF(C177>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O94,\nIF($AS$16=\"中\",試算表!S94,\nIF($AS$16=\"\",試算表!S94,試算表!W94)))+IF(美滿定期附約!E90<>\"\",美滿定期附約!E90,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O94,\nIF($AS$16=\"中\",試算表!S94,\nIF($AS$16=\"\",試算表!S94,試算表!W94)))+IF(美滿定期附約!E90<>\"\",美滿定期附約!E90,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A177-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!P94,\nIF($AS$16=\"中\",試算表!T94,\nIF($AS$16=\"\",試算表!T94,試算表!X94)))+IF(美滿定期附約!F90<>\"\",美滿定期附約!F90,0)), \"\")","v":""},null,null,"",""]
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[90,null,"",null,{"$f":"IF(總檢核,IF(age+A179-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A179-1>被保人最大保險年齡,\"\",試算表!D96+IF(美滿定期附約!C92<>\"\",美滿定期附約!C92,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A179-1=被保人最大保險年齡,\"\",IF(age+A179-1>被保人最大保險年齡,\"\",試算表!E96+IF(美滿定期附約!D92<>\"\",美滿定期附約!D92,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A179-1>=被保人最大保險年齡,\"\",VLOOKUP($A179,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E92<>\"\",美滿定期附約!E92,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A179-1>=被保人最大保險年齡,\"\",試算表!I96+IF(美滿定期附約!F92<>\"\",美滿定期附約!F92,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A179-1>=被保人最大保險年齡,\"\",IF(C179>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!Y96,\nIF($AS$16=\"中\",試算表!Z96,試算表!AA96)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!Y96,IF($AS$16=\"中\",試算表!Z96,試算表!AA96)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A179-1>=被保人最大保險年齡,\"\",IF(C179>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AB96,\nIF($AS$16=\"中\",試算表!AC96,試算表!AD96)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AB96,IF($AS$16=\"中\",試算表!AC96,試算表!AD96)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A179-1>=被保人最大保險年齡,\"\",IF(C179>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AE96,\nIF($AS$16=\"中\",試算表!AF96,試算表!AG96)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AE96,IF($AS$16=\"中\",試算表!AF96,試算表!AG96)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A179-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AH96,\nIF($AS$16=\"中\",試算表!AI96,試算表!AJ96))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A179-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AK96,\nIF($AS$16=\"中\",試算表!AL96,試算表!AM96))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A179-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AN96,\nIF($AS$16=\"中\",試算表!AO96,試算表!AP96))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A179-1>=被保人最大保險年齡,\"\",IF(C179>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O96,\nIF($AS$16=\"中\",試算表!S96,\nIF($AS$16=\"\",試算表!S96,試算表!W96)))+IF(美滿定期附約!E92<>\"\",美滿定期附約!E92,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O96,\nIF($AS$16=\"中\",試算表!S96,\nIF($AS$16=\"\",試算表!S96,試算表!W96)))+IF(美滿定期附約!E92<>\"\",美滿定期附約!E92,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A179-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!P96,\nIF($AS$16=\"中\",試算表!T96,\nIF($AS$16=\"\",試算表!T96,試算表!X96)))+IF(美滿定期附約!F92<>\"\",美滿定期附約!F92,0)), \"\")","v":""},null,null,"",""]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[100,null,"",null,{"$f":"IF(總檢核,IF(age+A200-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A200-1>被保人最大保險年齡,\"\",試算表!D106+IF(美滿定期附約!C102<>\"\",美滿定期附約!C102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A200-1=被保人最大保險年齡,\"\",IF(age+A200-1>被保人最大保險年齡,\"\",試算表!E106+IF(美滿定期附約!D102<>\"\",美滿定期附約!D102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A200-1>=被保人最大保險年齡,\"\",VLOOKUP($A200,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A200-1>=被保人最大保險年齡,\"\",試算表!I106+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A200-1>=被保人最大保險年齡,\"\",IF(C200>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!Y106,\nIF($AS$16=\"中\",試算表!Z106,試算表!AA106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!Y106,IF($AS$16=\"中\",試算表!Z106,試算表!AA106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A200-1>=被保人最大保險年齡,\"\",IF(C200>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AB106,\nIF($AS$16=\"中\",試算表!AC106,試算表!AD106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AB106,IF($AS$16=\"中\",試算表!AC106,試算表!AD106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A200-1>=被保人最大保險年齡,\"\",IF(C200>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AE106,\nIF($AS$16=\"中\",試算表!AF106,試算表!AG106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AE106,IF($AS$16=\"中\",試算表!AF106,試算表!AG106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A200-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AH106,\nIF($AS$16=\"中\",試算表!AI106,試算表!AJ106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A200-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AK106,\nIF($AS$16=\"中\",試算表!AL106,試算表!AM106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A200-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AN106,\nIF($AS$16=\"中\",試算表!AO106,試算表!AP106))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A200-1>=被保人最大保險年齡,\"\",IF(C200>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O106,\nIF($AS$16=\"中\",試算表!S106,\nIF($AS$16=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O106,\nIF($AS$16=\"中\",試算表!S106,\nIF($AS$16=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A200-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!P106,\nIF($AS$16=\"中\",試算表!T106,\nIF($AS$16=\"\",試算表!T106,試算表!X106)))+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,"",""]
[101,null,"",null,{"$f":"IF(總檢核,IF(age+A201-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A201-1>被保人最大保險年齡,\"\",試算表!D107+IF(美滿定期附約!C103<>\"\",美滿定期附約!C103,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A201-1=被保人最大保險年齡,\"\",IF(age+A201-1>被保人最大保險年齡,\"\",試算表!E107+IF(美滿定期附約!D103<>\"\",美滿定期附約!D103,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A201-1>=被保人最大保險年齡,\"\",VLOOKUP($A201,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E103<>\"\",美滿定期附約!E103,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A201-1>=被保人最大保險年齡,\"\",試算表!I107+IF(美滿定期附約!F103<>\"\",美滿定期附約!F103,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A201-1>=被保人最大保險年齡,\"\",IF(C201>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!Y107,\nIF($AS$16=\"中\",試算表!Z107,試算表!AA107)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!Y107,IF($AS$16=\"中\",試算表!Z107,試算表!AA107)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A201-1>=被保人最大保險年齡,\"\",IF(C201>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AB107,\nIF($AS$16=\"中\",試算表!AC107,試算表!AD107)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AB107,IF($AS$16=\"中\",試算表!AC107,試算表!AD107)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A201-1>=被保人最大保險年齡,\"\",IF(C201>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!AE107,\nIF($AS$16=\"中\",試算表!AF107,試算表!AG107)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$16=\"無\",試算表!AE107,IF($AS$16=\"中\",試算表!AF107,試算表!AG107)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A201-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AH107,\nIF($AS$16=\"中\",試算表!AI107,試算表!AJ107))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A201-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AK107,\nIF($AS$16=\"中\",試算表!AL107,試算表!AM107))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A201-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!AN107,\nIF($AS$16=\"中\",試算表!AO107,試算表!AP107))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A201-1>=被保人最大保險年齡,\"\",IF(C201>喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O107,\nIF($AS$16=\"中\",試算表!S107,\nIF($AS$16=\"\",試算表!S107,試算表!W107)))+IF(美滿定期附約!E103<>\"\",美滿定期附約!E103,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$16=\"無\",試算表!O107,\nIF($AS$16=\"中\",試算表!S107,\nIF($AS$16=\"\",試算表!S107,試算表!W107)))+IF(美滿定期附約!E103<>\"\",美滿定期附約!E103,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A201-1>=被保人最大保險年齡,\"\",\nIF($AS$16=\"無\",試算表!P107,\nIF($AS$16=\"中\",試算表!T107,\nIF($AS$16=\"\",試算表!T107,試算表!X107)))+IF(美滿定期附約!F103<>\"\",美滿定期附約!F103,0)), \"\")","v":""},null,null,"",""]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$16&\"分紅為例\"","v":"商品利益說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$16&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
[{"$f":"IF(總檢核,\" 被保險人保險年齡達\"&被保人最大保險年齡&\"歲之保單週年日仍生存時，給付「祝壽保險金」\"& TEXT(祝壽保險金_100,\"#,##0\") &\"元及「假設紅利_分紅保額(\"&$AS$16&\")」\"&IF($AS$16=\"中\",TEXT(假設紅利_中分紅,\"#,##0\"),IF($AS$16=\"低\",TEXT(假設紅利_低分紅,\"#,##0\"),TEXT(假設紅利_無分紅,\"#,##0\")))&\"元(給付後保險契約效力終止)。\", \"\")","v":" 被保險人保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000元及「假設紅利_分紅保額(中)」391,508元(給付後保險契約效力終止)。"}]
[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","低"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[96,null,"",null,{"$f":"IF(總檢核,IF(age+A396-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A396-1>被保人最大保險年齡,\"\",試算表!D102+IF(美滿定期附約!C98<>\"\",美滿定期附約!C98,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A396-1=被保人最大保險年齡,\"\",IF(age+A396-1>被保人最大保險年齡,\"\",試算表!E102+IF(美滿定期附約!D98<>\"\",美滿定期附約!D98,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A396-1>=被保人最大保險年齡,\"\",VLOOKUP($A396,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A396-1>=被保人最大保險年齡,\"\",試算表!I102+IF(美滿定期附約!F98<>\"\",美滿定期附約!F98,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A396-1>=被保人最大保險年齡,\"\",IF(C396>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!Y102,\nIF($AS$227=\"中\",試算表!Z102,試算表!AA102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!Y102,IF($AS$227=\"中\",試算表!Z102,試算表!AA102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A396-1>=被保人最大保險年齡,\"\",IF(C396>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AB102,\nIF($AS$227=\"中\",試算表!AC102,試算表!AD102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AB102,IF($AS$227=\"中\",試算表!AC102,試算表!AD102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A396-1>=被保人最大保險年齡,\"\",IF(C396>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AE102,\nIF($AS$227=\"中\",試算表!AF102,試算表!AG102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AE102,IF($AS$227=\"中\",試算表!AF102,試算表!AG102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A396-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AH102,\nIF($AS$227=\"中\",試算表!AI102,試算表!AJ102))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A396-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AK102,\nIF($AS$227=\"中\",試算表!AL102,試算表!AM102))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A396-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AN102,\nIF($AS$227=\"中\",試算表!AO102,試算表!AP102))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A396-1>=被保人最大保險年齡,\"\",IF(C396>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O102,\nIF($AS$227=\"中\",試算表!S102,\nIF($AS$227=\"\",試算表!S102,試算表!W102)))+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O102,\nIF($AS$227=\"中\",試算表!S102,\nIF($AS$227=\"\",試算表!S102,試算表!W102)))+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A396-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!P102,\nIF($AS$227=\"中\",試算表!T102,\nIF($AS$227=\"\",試算表!T102,試算表!X102)))+IF(美滿定期附約!F98<>\"\",美滿定期附約!F98,0)), \"\")","v":""},null,null,"",""]
[97,null,"",null,{"$f":"IF(總檢核,IF(age+A397-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A397-1>被保人最大保險年齡,\"\",試算表!D103+IF(美滿定期附約!C99<>\"\",美滿定期附約!C99,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A397-1=被保人最大保險年齡,\"\",IF(age+A397-1>被保人最大保險年齡,\"\",試算表!E103+IF(美滿定期附約!D99<>\"\",美滿定期附約!D99,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A397-1>=被保人最大保險年齡,\"\",VLOOKUP($A397,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A397-1>=被保人最大保險年齡,\"\",試算表!I103+IF(美滿定期附約!F99<>\"\",美滿定期附約!F99,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A397-1>=被保人最大保險年齡,\"\",IF(C397>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!Y103,\nIF($AS$227=\"中\",試算表!Z103,試算表!AA103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!Y103,IF($AS$227=\"中\",試算表!Z103,試算表!AA103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A397-1>=被保人最大保險年齡,\"\",IF(C397>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AB103,\nIF($AS$227=\"中\",試算表!AC103,試算表!AD103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AB103,IF($AS$227=\"中\",試算表!AC103,試算表!AD103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A397-1>=被保人最大保險年齡,\"\",IF(C397>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AE103,\nIF($AS$227=\"中\",試算表!AF103,試算表!AG103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AE103,IF($AS$227=\"中\",試算表!AF103,試算表!AG103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A397-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AH103,\nIF($AS$227=\"中\",試算表!AI103,試算表!AJ103))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A397-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AK103,\nIF($AS$227=\"中\",試算表!AL103,試算表!AM103))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A397-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AN103,\nIF($AS$227=\"中\",試算表!AO103,試算表!AP103))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A397-1>=被保人最大保險年齡,\"\",IF(C397>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O103,\nIF($AS$227=\"中\",試算表!S103,\nIF($AS$227=\"\",試算表!S103,試算表!W103)))+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O103,\nIF($AS$227=\"中\",試算表!S103,\nIF($AS$227=\"\",試算表!S103,試算表!W103)))+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A397-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!P103,\nIF($AS$227=\"中\",試算表!T103,\nIF($AS$227=\"\",試算表!T103,試算表!X103)))+IF(美滿定期附約!F99<>\"\",美滿定期附約!F99,0)), \"\")","v":""},null,null,"",""]
[98,null,"",null,{"$f":"IF(總檢核,IF(age+A398-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A398-1>被保人最大保險年齡,\"\",試算表!D104+IF(美滿定期附約!C100<>\"\",美滿定期附約!C100,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A398-1=被保人最大保險年齡,\"\",IF(age+A398-1>被保人最大保險年齡,\"\",試算表!E104+IF(美滿定期附約!D100<>\"\",美滿定期附約!D100,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A398-1>=被保人最大保險年齡,\"\",VLOOKUP($A398,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A398-1>=被保人最大保險年齡,\"\",試算表!I104+IF(美滿定期附約!F100<>\"\",美滿定期附約!F100,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A398-1>=被保人最大保險年齡,\"\",IF(C398>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!Y104,\nIF($AS$227=\"中\",試算表!Z104,試算表!AA104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!Y104,IF($AS$227=\"中\",試算表!Z104,試算表!AA104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A398-1>=被保人最大保險年齡,\"\",IF(C398>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AB104,\nIF($AS$227=\"中\",試算表!AC104,試算表!AD104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AB104,IF($AS$227=\"中\",試算表!AC104,試算表!AD104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A398-1>=被保人最大保險年齡,\"\",IF(C398>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AE104,\nIF($AS$227=\"中\",試算表!AF104,試算表!AG104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AE104,IF($AS$227=\"中\",試算表!AF104,試算表!AG104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A398-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AH104,\nIF($AS$227=\"中\",試算表!AI104,試算表!AJ104))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A398-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AK104,\nIF($AS$227=\"中\",試算表!AL104,試算表!AM104))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A398-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AN104,\nIF($AS$227=\"中\",試算表!AO104,試算表!AP104))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A398-1>=被保人最大保險年齡,\"\",IF(C398>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O104,\nIF($AS$227=\"中\",試算表!S104,\nIF($AS$227=\"\",試算表!S104,試算表!W104)))+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O104,\nIF($AS$227=\"中\",試算表!S104,\nIF($AS$227=\"\",試算表!S104,試算表!W104)))+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A398-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!P104,\nIF($AS$227=\"中\",試算表!T104,\nIF($AS$227=\"\",試算表!T104,試算表!X104)))+IF(美滿定期附約!F100<>\"\",美滿定期附約!F100,0)), \"\")","v":""},null,null,"",""]
[99,null,"",null,{"$f":"IF(總檢核,IF(age+A399-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A399-1>被保人最大保險年齡,\"\",試算表!D105+IF(美滿定期附約!C101<>\"\",美滿定期附約!C101,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A399-1=被保人最大保險年齡,\"\",IF(age+A399-1>被保人最大保險年齡,\"\",試算表!E105+IF(美滿定期附約!D101<>\"\",美滿定期附約!D101,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A399-1>=被保人最大保險年齡,\"\",VLOOKUP($A399,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A399-1>=被保人最大保險年齡,\"\",試算表!I105+IF(美滿定期附約!F101<>\"\",美滿定期附約!F101,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A399-1>=被保人最大保險年齡,\"\",IF(C399>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!Y105,\nIF($AS$227=\"中\",試算表!Z105,試算表!AA105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!Y105,IF($AS$227=\"中\",試算表!Z105,試算表!AA105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A399-1>=被保人最大保險年齡,\"\",IF(C399>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AB105,\nIF($AS$227=\"中\",試算表!AC105,試算表!AD105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AB105,IF($AS$227=\"中\",試算表!AC105,試算表!AD105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A399-1>=被保人最大保險年齡,\"\",IF(C399>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AE105,\nIF($AS$227=\"中\",試算表!AF105,試算表!AG105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AE105,IF($AS$227=\"中\",試算表!AF105,試算表!AG105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A399-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AH105,\nIF($AS$227=\"中\",試算表!AI105,試算表!AJ105))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A399-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AK105,\nIF($AS$227=\"中\",試算表!AL105,試算表!AM105))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A399-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AN105,\nIF($AS$227=\"中\",試算表!AO105,試算表!AP105))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A399-1>=被保人最大保險年齡,\"\",IF(C399>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O105,\nIF($AS$227=\"中\",試算表!S105,\nIF($AS$227=\"\",試算表!S105,試算表!W105)))+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O105,\nIF($AS$227=\"中\",試算表!S105,\nIF($AS$227=\"\",試算表!S105,試算表!W105)))+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A399-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!P105,\nIF($AS$227=\"中\",試算表!T105,\nIF($AS$227=\"\",試算表!T105,試算表!X105)))+IF(美滿定期附約!F101<>\"\",美滿定期附約!F101,0)), \"\")","v":""},null,null,"",""]
[100,null,"",null,{"$f":"IF(總檢核,IF(age+A400-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A400-1>被保人最大保險年齡,\"\",試算表!D106+IF(美滿定期附約!C102<>\"\",美滿定期附約!C102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A400-1=被保人最大保險年齡,\"\",IF(age+A400-1>被保人最大保險年齡,\"\",試算表!E106+IF(美滿定期附約!D102<>\"\",美滿定期附約!D102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A400-1>=被保人最大保險年齡,\"\",VLOOKUP($A400,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A400-1>=被保人最大保險年齡,\"\",試算表!I106+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A400-1>=被保人最大保險年齡,\"\",IF(C400>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!Y106,\nIF($AS$227=\"中\",試算表!Z106,試算表!AA106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!Y106,IF($AS$227=\"中\",試算表!Z106,試算表!AA106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A400-1>=被保人最大保險年齡,\"\",IF(C400>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AB106,\nIF($AS$227=\"中\",試算表!AC106,試算表!AD106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AB106,IF($AS$227=\"中\",試算表!AC106,試算表!AD106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A400-1>=被保人最大保險年齡,\"\",IF(C400>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AE106,\nIF($AS$227=\"中\",試算表!AF106,試算表!AG106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AE106,IF($AS$227=\"中\",試算表!AF106,試算表!AG106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A400-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AH106,\nIF($AS$227=\"中\",試算表!AI106,試算表!AJ106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A400-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AK106,\nIF($AS$227=\"中\",試算表!AL106,試算表!AM106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A400-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AN106,\nIF($AS$227=\"中\",試算表!AO106,試算表!AP106))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A400-1>=被保人最大保險年齡,\"\",IF(C400>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O106,\nIF($AS$227=\"中\",試算表!S106,\nIF($AS$227=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O106,\nIF($AS$227=\"中\",試算表!S106,\nIF($AS$227=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A400-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!P106,\nIF($AS$227=\"中\",試算表!T106,\nIF($AS$227=\"\",試算表!T106,試算表!X106)))+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,"",""]
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[102,null,"",null,{"$f":"IF(總檢核,IF(age+A402-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A402-1>被保人最大保險年齡,\"\",試算表!D108+IF(美滿定期附約!C104<>\"\",美滿定期附約!C104,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A402-1=被保人最大保險年齡,\"\",IF(age+A402-1>被保人最大保險年齡,\"\",試算表!E108+IF(美滿定期附約!D104<>\"\",美滿定期附約!D104,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A402-1>=被保人最大保險年齡,\"\",VLOOKUP($A402,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E104<>\"\",美滿定期附約!E104,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A402-1>=被保人最大保險年齡,\"\",試算表!I108+IF(美滿定期附約!F104<>\"\",美滿定期附約!F104,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A402-1>=被保人最大保險年齡,\"\",IF(C402>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!Y108,\nIF($AS$227=\"中\",試算表!Z108,試算表!AA108)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!Y108,IF($AS$227=\"中\",試算表!Z108,試算表!AA108)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A402-1>=被保人最大保險年齡,\"\",IF(C402>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AB108,\nIF($AS$227=\"中\",試算表!AC108,試算表!AD108)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AB108,IF($AS$227=\"中\",試算表!AC108,試算表!AD108)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A402-1>=被保人最大保險年齡,\"\",IF(C402>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!AE108,\nIF($AS$227=\"中\",試算表!AF108,試算表!AG108)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$227=\"無\",試算表!AE108,IF($AS$227=\"中\",試算表!AF108,試算表!AG108)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A402-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AH108,\nIF($AS$227=\"中\",試算表!AI108,試算表!AJ108))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A402-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AK108,\nIF($AS$227=\"中\",試算表!AL108,試算表!AM108))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A402-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!AN108,\nIF($AS$227=\"中\",試算表!AO108,試算表!AP108))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A402-1>=被保人最大保險年齡,\"\",IF(C402>喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O108,\nIF($AS$227=\"中\",試算表!S108,\nIF($AS$227=\"\",試算表!S108,試算表!W108)))+IF(美滿定期附約!E104<>\"\",美滿定期附約!E104,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$227=\"無\",試算表!O108,\nIF($AS$227=\"中\",試算表!S108,\nIF($AS$227=\"\",試算表!S108,試算表!W108)))+IF(美滿定期附約!E104<>\"\",美滿定期附約!E104,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A402-1>=被保人最大保險年齡,\"\",\nIF($AS$227=\"無\",試算表!P108,\nIF($AS$227=\"中\",試算表!T108,\nIF($AS$227=\"\",試算表!T108,試算表!X108)))+IF(美滿定期附約!F104<>\"\",美滿定期附約!F104,0)), \"\")","v":""},null,null,"",""]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$227&\"分紅為例\"","v":"商品利益說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$227&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
[{"$f":"IF(總檢核,\" 被保險人保險年齡達\"&被保人最大保險年齡&\"歲之保單週年日仍生存時，給付「祝壽保險金」\"& TEXT(祝壽保險金_100,\"#,##0\") &\"元及「假設紅利_分紅保額(\"&$AS$227&\")」\"&IF($AS$227=\"中\",TEXT(假設紅利_中分紅,\"#,##0\"),IF($AS$227=\"低\",TEXT(假設紅利_低分紅,\"#,##0\"),TEXT(假設紅利_無分紅,\"#,##0\")))&\"元(給付後保險契約效力終止)。\", \"\")","v":" 被保險人保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000元及「假設紅利_分紅保額(低)」33,873元(給付後保險契約效力終止)。"}]
[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","無"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[86,null,"",null,{"$f":"IF(總檢核,IF(age+A575-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A575-1>被保人最大保險年齡,\"\",試算表!D92+IF(美滿定期附約!C88<>\"\",美滿定期附約!C88,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A575-1=被保人最大保險年齡,\"\",IF(age+A575-1>被保人最大保險年齡,\"\",試算表!E92+IF(美滿定期附約!D88<>\"\",美滿定期附約!D88,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A575-1>=被保人最大保險年齡,\"\",VLOOKUP($A575,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E88<>\"\",美滿定期附約!E88,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A575-1>=被保人最大保險年齡,\"\",試算表!I92+IF(美滿定期附約!F88<>\"\",美滿定期附約!F88,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A575-1>=被保人最大保險年齡,\"\",IF(C575>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y92,\nIF($AS$427=\"中\",試算表!Z92,試算表!AA92)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y92,IF($AS$427=\"中\",試算表!Z92,試算表!AA92)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A575-1>=被保人最大保險年齡,\"\",IF(C575>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB92,\nIF($AS$427=\"中\",試算表!AC92,試算表!AD92)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB92,IF($AS$427=\"中\",試算表!AC92,試算表!AD92)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A575-1>=被保人最大保險年齡,\"\",IF(C575>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE92,\nIF($AS$427=\"中\",試算表!AF92,試算表!AG92)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE92,IF($AS$427=\"中\",試算表!AF92,試算表!AG92)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A575-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH92,\nIF($AS$427=\"中\",試算表!AI92,試算表!AJ92))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A575-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK92,\nIF($AS$427=\"中\",試算表!AL92,試算表!AM92))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A575-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN92,\nIF($AS$427=\"中\",試算表!AO92,試算表!AP92))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A575-1>=被保人最大保險年齡,\"\",IF(C575>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O92,\nIF($AS$427=\"中\",試算表!S92,\nIF($AS$427=\"\",試算表!S92,試算表!W92)))+IF(美滿定期附約!E88<>\"\",美滿定期附約!E88,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O92,\nIF($AS$427=\"中\",試算表!S92,\nIF($AS$427=\"\",試算表!S92,試算表!W92)))+IF(美滿定期附約!E88<>\"\",美滿定期附約!E88,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A575-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P92,\nIF($AS$427=\"中\",試算表!T92,\nIF($AS$427=\"\",試算表!T92,試算表!X92)))+IF(美滿定期附約!F88<>\"\",美滿定期附約!F88,0)), \"\")","v":""},null,null,"",""]
[87,null,"",null,{"$f":"IF(總檢核,IF(age+A576-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A576-1>被保人最大保險年齡,\"\",試算表!D93+IF(美滿定期附約!C89<>\"\",美滿定期附約!C89,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A576-1=被保人最大保險年齡,\"\",IF(age+A576-1>被保人最大保險年齡,\"\",試算表!E93+IF(美滿定期附約!D89<>\"\",美滿定期附約!D89,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A576-1>=被保人最大保險年齡,\"\",VLOOKUP($A576,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E89<>\"\",美滿定期附約!E89,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A576-1>=被保人最大保險年齡,\"\",試算表!I93+IF(美滿定期附約!F89<>\"\",美滿定期附約!F89,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A576-1>=被保人最大保險年齡,\"\",IF(C576>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y93,\nIF($AS$427=\"中\",試算表!Z93,試算表!AA93)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y93,IF($AS$427=\"中\",試算表!Z93,試算表!AA93)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A576-1>=被保人最大保險年齡,\"\",IF(C576>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB93,\nIF($AS$427=\"中\",試算表!AC93,試算表!AD93)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB93,IF($AS$427=\"中\",試算表!AC93,試算表!AD93)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A576-1>=被保人最大保險年齡,\"\",IF(C576>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE93,\nIF($AS$427=\"中\",試算表!AF93,試算表!AG93)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE93,IF($AS$427=\"中\",試算表!AF93,試算表!AG93)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A576-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH93,\nIF($AS$427=\"中\",試算表!AI93,試算表!AJ93))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A576-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK93,\nIF($AS$427=\"中\",試算表!AL93,試算表!AM93))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A576-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN93,\nIF($AS$427=\"中\",試算表!AO93,試算表!AP93))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A576-1>=被保人最大保險年齡,\"\",IF(C576>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O93,\nIF($AS$427=\"中\",試算表!S93,\nIF($AS$427=\"\",試算表!S93,試算表!W93)))+IF(美滿定期附約!E89<>\"\",美滿定期附約!E89,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O93,\nIF($AS$427=\"中\",試算表!S93,\nIF($AS$427=\"\",試算表!S93,試算表!W93)))+IF(美滿定期附約!E89<>\"\",美滿定期附約!E89,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A576-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P93,\nIF($AS$427=\"中\",試算表!T93,\nIF($AS$427=\"\",試算表!T93,試算表!X93)))+IF(美滿定期附約!F89<>\"\",美滿定期附約!F89,0)), \"\")","v":""},null,null,"",""]
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[89,null,"",null,{"$f":"IF(總檢核,IF(age+A578-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A578-1>被保人最大保險年齡,\"\",試算表!D95+IF(美滿定期附約!C91<>\"\",美滿定期附約!C91,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A578-1=被保人最大保險年齡,\"\",IF(age+A578-1>被保人最大保險年齡,\"\",試算表!E95+IF(美滿定期附約!D91<>\"\",美滿定期附約!D91,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A578-1>=被保人最大保險年齡,\"\",VLOOKUP($A578,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E91<>\"\",美滿定期附約!E91,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A578-1>=被保人最大保險年齡,\"\",試算表!I95+IF(美滿定期附約!F91<>\"\",美滿定期附約!F91,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A578-1>=被保人最大保險年齡,\"\",IF(C578>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y95,\nIF($AS$427=\"中\",試算表!Z95,試算表!AA95)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y95,IF($AS$427=\"中\",試算表!Z95,試算表!AA95)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A578-1>=被保人最大保險年齡,\"\",IF(C578>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB95,\nIF($AS$427=\"中\",試算表!AC95,試算表!AD95)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB95,IF($AS$427=\"中\",試算表!AC95,試算表!AD95)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A578-1>=被保人最大保險年齡,\"\",IF(C578>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE95,\nIF($AS$427=\"中\",試算表!AF95,試算表!AG95)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE95,IF($AS$427=\"中\",試算表!AF95,試算表!AG95)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A578-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH95,\nIF($AS$427=\"中\",試算表!AI95,試算表!AJ95))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A578-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK95,\nIF($AS$427=\"中\",試算表!AL95,試算表!AM95))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A578-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN95,\nIF($AS$427=\"中\",試算表!AO95,試算表!AP95))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A578-1>=被保人最大保險年齡,\"\",IF(C578>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O95,\nIF($AS$427=\"中\",試算表!S95,\nIF($AS$427=\"\",試算表!S95,試算表!W95)))+IF(美滿定期附約!E91<>\"\",美滿定期附約!E91,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O95,\nIF($AS$427=\"中\",試算表!S95,\nIF($AS$427=\"\",試算表!S95,試算表!W95)))+IF(美滿定期附約!E91<>\"\",美滿定期附約!E91,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A578-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P95,\nIF($AS$427=\"中\",試算表!T95,\nIF($AS$427=\"\",試算表!T95,試算表!X95)))+IF(美滿定期附約!F91<>\"\",美滿定期附約!F91,0)), \"\")","v":""},null,null,"",""]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[96,null,"",null,{"$f":"IF(總檢核,IF(age+A596-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A596-1>被保人最大保險年齡,\"\",試算表!D102+IF(美滿定期附約!C98<>\"\",美滿定期附約!C98,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A596-1=被保人最大保險年齡,\"\",IF(age+A596-1>被保人最大保險年齡,\"\",試算表!E102+IF(美滿定期附約!D98<>\"\",美滿定期附約!D98,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A596-1>=被保人最大保險年齡,\"\",VLOOKUP($A596,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A596-1>=被保人最大保險年齡,\"\",試算表!I102+IF(美滿定期附約!F98<>\"\",美滿定期附約!F98,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A596-1>=被保人最大保險年齡,\"\",IF(C596>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y102,\nIF($AS$427=\"中\",試算表!Z102,試算表!AA102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y102,IF($AS$427=\"中\",試算表!Z102,試算表!AA102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A596-1>=被保人最大保險年齡,\"\",IF(C596>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB102,\nIF($AS$427=\"中\",試算表!AC102,試算表!AD102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB102,IF($AS$427=\"中\",試算表!AC102,試算表!AD102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A596-1>=被保人最大保險年齡,\"\",IF(C596>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE102,\nIF($AS$427=\"中\",試算表!AF102,試算表!AG102)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE102,IF($AS$427=\"中\",試算表!AF102,試算表!AG102)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A596-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH102,\nIF($AS$427=\"中\",試算表!AI102,試算表!AJ102))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A596-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK102,\nIF($AS$427=\"中\",試算表!AL102,試算表!AM102))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A596-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN102,\nIF($AS$427=\"中\",試算表!AO102,試算表!AP102))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A596-1>=被保人最大保險年齡,\"\",IF(C596>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O102,\nIF($AS$427=\"中\",試算表!S102,\nIF($AS$427=\"\",試算表!S102,試算表!W102)))+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O102,\nIF($AS$427=\"中\",試算表!S102,\nIF($AS$427=\"\",試算表!S102,試算表!W102)))+IF(美滿定期附約!E98<>\"\",美滿定期附約!E98,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A596-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P102,\nIF($AS$427=\"中\",試算表!T102,\nIF($AS$427=\"\",試算表!T102,試算表!X102)))+IF(美滿定期附約!F98<>\"\",美滿定期附約!F98,0)), \"\")","v":""},null,null,"",""]
[97,null,"",null,{"$f":"IF(總檢核,IF(age+A597-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A597-1>被保人最大保險年齡,\"\",試算表!D103+IF(美滿定期附約!C99<>\"\",美滿定期附約!C99,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A597-1=被保人最大保險年齡,\"\",IF(age+A597-1>被保人最大保險年齡,\"\",試算表!E103+IF(美滿定期附約!D99<>\"\",美滿定期附約!D99,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A597-1>=被保人最大保險年齡,\"\",VLOOKUP($A597,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A597-1>=被保人最大保險年齡,\"\",試算表!I103+IF(美滿定期附約!F99<>\"\",美滿定期附約!F99,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A597-1>=被保人最大保險年齡,\"\",IF(C597>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y103,\nIF($AS$427=\"中\",試算表!Z103,試算表!AA103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y103,IF($AS$427=\"中\",試算表!Z103,試算表!AA103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A597-1>=被保人最大保險年齡,\"\",IF(C597>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB103,\nIF($AS$427=\"中\",試算表!AC103,試算表!AD103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB103,IF($AS$427=\"中\",試算表!AC103,試算表!AD103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A597-1>=被保人最大保險年齡,\"\",IF(C597>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE103,\nIF($AS$427=\"中\",試算表!AF103,試算表!AG103)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE103,IF($AS$427=\"中\",試算表!AF103,試算表!AG103)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A597-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH103,\nIF($AS$427=\"中\",試算表!AI103,試算表!AJ103))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A597-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK103,\nIF($AS$427=\"中\",試算表!AL103,試算表!AM103))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A597-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN103,\nIF($AS$427=\"中\",試算表!AO103,試算表!AP103))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A597-1>=被保人最大保險年齡,\"\",IF(C597>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O103,\nIF($AS$427=\"中\",試算表!S103,\nIF($AS$427=\"\",試算表!S103,試算表!W103)))+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O103,\nIF($AS$427=\"中\",試算表!S103,\nIF($AS$427=\"\",試算表!S103,試算表!W103)))+IF(美滿定期附約!E99<>\"\",美滿定期附約!E99,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A597-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P103,\nIF($AS$427=\"中\",試算表!T103,\nIF($AS$427=\"\",試算表!T103,試算表!X103)))+IF(美滿定期附約!F99<>\"\",美滿定期附約!F99,0)), \"\")","v":""},null,null,"",""]
[98,null,"",null,{"$f":"IF(總檢核,IF(age+A598-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A598-1>被保人最大保險年齡,\"\",試算表!D104+IF(美滿定期附約!C100<>\"\",美滿定期附約!C100,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A598-1=被保人最大保險年齡,\"\",IF(age+A598-1>被保人最大保險年齡,\"\",試算表!E104+IF(美滿定期附約!D100<>\"\",美滿定期附約!D100,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A598-1>=被保人最大保險年齡,\"\",VLOOKUP($A598,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A598-1>=被保人最大保險年齡,\"\",試算表!I104+IF(美滿定期附約!F100<>\"\",美滿定期附約!F100,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A598-1>=被保人最大保險年齡,\"\",IF(C598>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y104,\nIF($AS$427=\"中\",試算表!Z104,試算表!AA104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y104,IF($AS$427=\"中\",試算表!Z104,試算表!AA104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A598-1>=被保人最大保險年齡,\"\",IF(C598>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB104,\nIF($AS$427=\"中\",試算表!AC104,試算表!AD104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB104,IF($AS$427=\"中\",試算表!AC104,試算表!AD104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A598-1>=被保人最大保險年齡,\"\",IF(C598>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE104,\nIF($AS$427=\"中\",試算表!AF104,試算表!AG104)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE104,IF($AS$427=\"中\",試算表!AF104,試算表!AG104)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A598-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH104,\nIF($AS$427=\"中\",試算表!AI104,試算表!AJ104))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A598-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK104,\nIF($AS$427=\"中\",試算表!AL104,試算表!AM104))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A598-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN104,\nIF($AS$427=\"中\",試算表!AO104,試算表!AP104))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A598-1>=被保人最大保險年齡,\"\",IF(C598>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O104,\nIF($AS$427=\"中\",試算表!S104,\nIF($AS$427=\"\",試算表!S104,試算表!W104)))+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O104,\nIF($AS$427=\"中\",試算表!S104,\nIF($AS$427=\"\",試算表!S104,試算表!W104)))+IF(美滿定期附約!E100<>\"\",美滿定期附約!E100,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A598-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P104,\nIF($AS$427=\"中\",試算表!T104,\nIF($AS$427=\"\",試算表!T104,試算表!X104)))+IF(美滿定期附約!F100<>\"\",美滿定期附約!F100,0)), \"\")","v":""},null,null,"",""]
[99,null,"",null,{"$f":"IF(總檢核,IF(age+A599-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A599-1>被保人最大保險年齡,\"\",試算表!D105+IF(美滿定期附約!C101<>\"\",美滿定期附約!C101,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A599-1=被保人最大保險年齡,\"\",IF(age+A599-1>被保人最大保險年齡,\"\",試算表!E105+IF(美滿定期附約!D101<>\"\",美滿定期附約!D101,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A599-1>=被保人最大保險年齡,\"\",VLOOKUP($A599,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A599-1>=被保人最大保險年齡,\"\",試算表!I105+IF(美滿定期附約!F101<>\"\",美滿定期附約!F101,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A599-1>=被保人最大保險年齡,\"\",IF(C599>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y105,\nIF($AS$427=\"中\",試算表!Z105,試算表!AA105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y105,IF($AS$427=\"中\",試算表!Z105,試算表!AA105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A599-1>=被保人最大保險年齡,\"\",IF(C599>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB105,\nIF($AS$427=\"中\",試算表!AC105,試算表!AD105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB105,IF($AS$427=\"中\",試算表!AC105,試算表!AD105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A599-1>=被保人最大保險年齡,\"\",IF(C599>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE105,\nIF($AS$427=\"中\",試算表!AF105,試算表!AG105)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE105,IF($AS$427=\"中\",試算表!AF105,試算表!AG105)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A599-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH105,\nIF($AS$427=\"中\",試算表!AI105,試算表!AJ105))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A599-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK105,\nIF($AS$427=\"中\",試算表!AL105,試算表!AM105))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A599-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN105,\nIF($AS$427=\"中\",試算表!AO105,試算表!AP105))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A599-1>=被保人最大保險年齡,\"\",IF(C599>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O105,\nIF($AS$427=\"中\",試算表!S105,\nIF($AS$427=\"\",試算表!S105,試算表!W105)))+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O105,\nIF($AS$427=\"中\",試算表!S105,\nIF($AS$427=\"\",試算表!S105,試算表!W105)))+IF(美滿定期附約!E101<>\"\",美滿定期附約!E101,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A599-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P105,\nIF($AS$427=\"中\",試算表!T105,\nIF($AS$427=\"\",試算表!T105,試算表!X105)))+IF(美滿定期附約!F101<>\"\",美滿定期附約!F101,0)), \"\")","v":""},null,null,"",""]
[100,null,"",null,{"$f":"IF(總檢核,IF(age+A600-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A600-1>被保人最大保險年齡,\"\",試算表!D106+IF(美滿定期附約!C102<>\"\",美滿定期附約!C102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A600-1=被保人最大保險年齡,\"\",IF(age+A600-1>被保人最大保險年齡,\"\",試算表!E106+IF(美滿定期附約!D102<>\"\",美滿定期附約!D102,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A600-1>=被保人最大保險年齡,\"\",VLOOKUP($A600,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A600-1>=被保人最大保險年齡,\"\",試算表!I106+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A600-1>=被保人最大保險年齡,\"\",IF(C600>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y106,\nIF($AS$427=\"中\",試算表!Z106,試算表!AA106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y106,IF($AS$427=\"中\",試算表!Z106,試算表!AA106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A600-1>=被保人最大保險年齡,\"\",IF(C600>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB106,\nIF($AS$427=\"中\",試算表!AC106,試算表!AD106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB106,IF($AS$427=\"中\",試算表!AC106,試算表!AD106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A600-1>=被保人最大保險年齡,\"\",IF(C600>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE106,\nIF($AS$427=\"中\",試算表!AF106,試算表!AG106)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE106,IF($AS$427=\"中\",試算表!AF106,試算表!AG106)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A600-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH106,\nIF($AS$427=\"中\",試算表!AI106,試算表!AJ106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A600-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK106,\nIF($AS$427=\"中\",試算表!AL106,試算表!AM106))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A600-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN106,\nIF($AS$427=\"中\",試算表!AO106,試算表!AP106))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A600-1>=被保人最大保險年齡,\"\",IF(C600>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O106,\nIF($AS$427=\"中\",試算表!S106,\nIF($AS$427=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O106,\nIF($AS$427=\"中\",試算表!S106,\nIF($AS$427=\"\",試算表!S106,試算表!W106)))+IF(美滿定期附約!E102<>\"\",美滿定期附約!E102,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A600-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P106,\nIF($AS$427=\"中\",試算表!T106,\nIF($AS$427=\"\",試算表!T106,試算表!X106)))+IF(美滿定期附約!F102<>\"\",美滿定期附約!F102,0)), \"\")","v":""},null,null,"",""]
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[]
["*","本保險為英式分紅保險單，保單紅利為「增額分紅保額」及「額外分紅保額」– 保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)。"]
["*","本建議書係銷售人員於銷售過程提供予要保人參考，當建議書所列投保資料與要保書填寫不同時，試算金額也會隨之異動，詳細金額仍須以要保書/保單首頁填寫內容為準。"]
[{"$f":"\"商品利益說明_以假設\"&$AS$427&\"分紅為例\"","v":"商品利益說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AS$427&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
["年度",null,"年齡",null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障",null,null,"當年度末\n解約金\n/祝壽保險金",null,null,"假設紅利",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n壽險保障\n及假設紅利_\n分紅保額",null,null,"當年度末\n可能領取\n解約金總和",null,null,"(A+D+E)/\n折扣後累計\n所繳保險費\n(單位：%)","(B+G+H)/\n折扣後累計\n所繳保險費\n(單位：%)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"分紅保額",null,null,null,null,null,null,null,null,"分紅保額解約金"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青額外\n分紅保額",null,null,"當年度末\n增額\n分紅保額",null,null,"累積\n已分配增額\n分紅保額",null,null,"長青解約額外\n分紅保額"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
[null,null,null,null,null,null,null,null,null,null,"A",null,null,"B",null,null,"C",null,null,"D",null,null,"E",null,null,"F",null,null,"G",null,null,"H",null,null,"A + D + E",null,null,"B + G + H"]
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[110,null,"",null,{"$f":"IF(總檢核,IF(age+A621-1=被保人最大保險年齡,\"***以下空白***\",IF(age+A621-1>被保人最大保險年齡,\"\",試算表!D116+IF(美滿定期附約!C112<>\"\",美滿定期附約!C112,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A621-1=被保人最大保險年齡,\"\",IF(age+A621-1>被保人最大保險年齡,\"\",試算表!E116+IF(美滿定期附約!D112<>\"\",美滿定期附約!D112,0))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A621-1>=被保人最大保險年齡,\"\",VLOOKUP($A621,試算表!$B$7:$AP$116,6,FALSE)+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0)),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A621-1>=被保人最大保險年齡,\"\",試算表!I116+IF(美滿定期附約!F112<>\"\",美滿定期附約!F112,0)), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A621-1>=被保人最大保險年齡,\"\",IF(C621>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!Y116,\nIF($AS$427=\"中\",試算表!Z116,試算表!AA116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!Y116,IF($AS$427=\"中\",試算表!Z116,試算表!AA116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A621-1>=被保人最大保險年齡,\"\",IF(C621>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AB116,\nIF($AS$427=\"中\",試算表!AC116,試算表!AD116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AB116,IF($AS$427=\"中\",試算表!AC116,試算表!AD116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A621-1>=被保人最大保險年齡,\"\",IF(C621>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!AE116,\nIF($AS$427=\"中\",試算表!AF116,試算表!AG116)),\nIF(被保人足歲年齡>=喪葬費用檢核年齡,IF($AS$427=\"無\",試算表!AE116,IF($AS$427=\"中\",試算表!AF116,試算表!AG116)),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A621-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AH116,\nIF($AS$427=\"中\",試算表!AI116,試算表!AJ116))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A621-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AK116,\nIF($AS$427=\"中\",試算表!AL116,試算表!AM116))), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A621-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!AN116,\nIF($AS$427=\"中\",試算表!AO116,試算表!AP116))), \"\")","v":""},null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(age+A621-1>=被保人最大保險年齡,\"\",IF(C621>喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O116,\nIF($AS$427=\"中\",試算表!S116,\nIF($AS$427=\"\",試算表!S116,試算表!W116)))+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0),IF(被保人足歲年齡>=喪葬費用檢核年齡,\nIF($AS$427=\"無\",試算表!O116,\nIF($AS$427=\"中\",試算表!S116,\nIF($AS$427=\"\",試算表!S116,試算表!W116)))+IF(美滿定期附約!E112<>\"\",美滿定期附約!E112,0),\"*****\"))),\"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+A621-1>=被保人最大保險年齡,\"\",\nIF($AS$427=\"無\",試算表!P116,\nIF($AS$427=\"中\",試算表!T116,\nIF($AS$427=\"\",試算表!T116,試算表!X116)))+IF(美滿定期附約!F112<>\"\",美滿定期附約!F112,0)), \"\")","v":""},null,null,{"$f":"IF(總檢核,IF(age+$A621-1>=被保人最大保險年齡,\"\",IF(OR($AI621=\"\",$AI621=0),\"\",IF($C621>喪葬費用檢核年齡,ROUND($AI621/$H621,4),IF(被保人足歲年齡>=喪葬費用檢核年齡,ROUND($AI621/$H621,4),\"*****\")))),\"\")","v":""},{"$f":"IF(總檢核,IF(age+$A621-1>=被保人最大保險年齡,\"\",IF(OR($AL621=\"\",$AL621=0),\"\",ROUND($AL621/$H621,4))),\"\")","v":""}]
[]
[{"$f":"IF(總檢核,\" 被保險人保險年齡達\"&被保人最大保險年齡&\"歲之保單週年日仍生存時，給付「祝壽保險金」\"& TEXT(祝壽保險金_100,\"#,##0\") &\"元及「假設紅利_分紅保額(\"&$AS$427&\")」\"&IF($AS$427=\"中\",TEXT(假設紅利_中分紅,\"#,##0\"),IF($AS$427=\"低\",TEXT(假設紅利_低分紅,\"#,##0\"),TEXT(假設紅利_無分紅,\"#,##0\")))&\"元(給付後保險契約效力終止)。\", \"\")","v":" 被保險人保險年齡達110歲之保單週年日仍生存時，給付「祝壽保險金」100,000元及「假設紅利_分紅保額(無)」0元(給付後保險契約效力終止)。"}]
[]
[{"$f":"IF(BNLTRU1_SA=0,\"\",\"＊\")","v":""},{"$f":"IF(BNLTRU1_SA=0,\"\",\"如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產稅喪葬費扣除額之一半(新臺幣69萬元)為上限給付之，其超過部分保誠人壽無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。\")","v":""}]
[{"$f":"IF(BNLTRU1_SA=0,\"\",\"＊\")","v":""},{"$f":"IF(BNLTRU1_SA=0,\"\",\"建議書所載15歲之當年度末壽險保障，於投保當時未滿15足歲者為喪葬費用保險金，已滿15足歲者則為身故保險金，惟實際給付金額應依條款約定為準。\")","v":""}]
[{"$f":"IF(BNLTRU1_SA=0,\"\",\"＊\")","v":""},{"$f":"IF(BNLTRU1_SA=0,\"\",\"本建議書預設之喪葬費用保險金係依法定上限，採1美元兌換32元新臺幣之匯率計算，實際匯率換算則依條款約定為準。\")","v":""}]
["＊",{"$f":"IF(BNLTRU1_SA=0,\"如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產稅喪葬費扣除額之一半(新臺幣69萬元)為上限給付之，其超過部分保誠人壽無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。\",\"上表所列數值為依客戶假設需求 - 主約「\"&商品名稱&\"」及附約「\"&BNLTRU1商品名稱&\"」各項給付加總而成，實際情況可能因不同需求而有差異，詳細商品內容及注意事項請詳各商品獨立之保單條款及簡介等文件。\")","v":"如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產稅喪葬費扣除額之一半(新臺幣69萬元)為上限給付之，其超過部分保誠人壽無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。"}]
["＊",{"$f":"IF(BNLTRU1_SA=0,\"建議書所載15歲之當年度末壽險保障，於投保當時未滿15足歲者為喪葬費用保險金，已滿15足歲者則為身故保險金，惟實際給付金額應依條款約定為準。\",\"「\"&商品名稱&\"」為分紅保險單，保單紅利部分非本保險單之保證給付項目，保誠人壽不保證其給付金額(保額)；「\"&BNLTRU1商品名稱&\"」為不分紅保險單，不參加紅利分配，並無紅利給付項目。\")","v":"建議書所載15歲之當年度末壽險保障，於投保當時未滿15足歲者為喪葬費用保險金，已滿15足歲者則為身故保險金，惟實際給付金額應依條款約定為準。"}]
[{"$f":"IF(BNLTRU1_SA=0,\"＊\",\"\")","v":"＊"},{"$f":"IF(BNLTRU1_SA=0,\"本建議書預設之喪葬費用保險金係依法定上限，採1美元兌換32元新臺幣之匯率計算，實際匯率換算則依條款約定為準。\",\"\")","v":"本建議書預設之喪葬費用保險金係依法定上限，採1美元兌換32元新臺幣之匯率計算，實際匯率換算則依條款約定為準。"}]
["●",{"$f":"\"主約：\"&商品名稱","v":"主約：保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)"}]
["1.","壽險保障：被保險人於保險契約有效期間內身故或完全失能者，保誠人壽按身故或完全失能診斷確定當時之下列三款計算方式所得金額之最大者給付「身故保險金」或「完全失能保險金」：(1)「基本保險金額」乘以保單條款附表二之當年度保險金額比率。(2)「基本保險金額」的保單價值準備金乘以保單條款附表三之保單價值準備金比率。(3)「應已繳總保費」。給付後，保險契約效力即行終止。惟若要保人選擇保險金分期定期給付，則保險契約效力改於『分期定期保險金給付期間』屆滿時終止。"]
["2.","「當年度末解約金/祝壽保險金」：其數值於被保險人109歲(含)前之各保單年度係指「當年度末解約金」，於被保險人保險年齡達110歲當年之保單週年日則為「祝壽保險金」，「祝壽保險金」數值呈現於上表被保險人109歲欄位，給付後，保險契約效力即行終止。"]
["3.","假設紅利_分紅保額：係分別呈現「當年度末增額分紅保額」、「累積已分配增額分紅保額」及「長青額外分紅保額」。"]
["4.","假設紅利_分紅保額解約金：係分別呈現「當年度末增額分紅保額」、「累積已分配增額分紅保額」及「長青解約額外分紅保額」所計算之保單價值準備金(即解約金)。"]
["5.","「額外分紅保額」：為給付以一次為限之分紅保額，分為「長青額外分紅保額」及「長青解約額外分紅保額」。「額外分紅保額」自宣告日起一年內有效，並不逐年累積，其金額因每年紅利宣告之不同，可能增加或減少。"]
["6.","辦理減額繳清或展期定期保險後，上表所載數值將不適用；辦理展期定期保險後將不再享有紅利分配。"]
["*","本商品預定利率為2.5%，其係用以計算保險費及解約金之依據之一，非本保單的投資報酬率。"]
["*","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
["*","上表所列之假設紅利數值為假設不同投資報酬率(中分紅、低分紅分別為5.25%、2.75%；假設無分紅狀況下，分紅數值為零)，並考慮合理的理賠率及費用率等整體經營績效後而得，不表示保單之實際紅利，亦不能作為未來分紅之保證或推論，實際紅利金額可能較高或較低。"]
["*","上表「當年度末壽險保障及假設紅利_分紅保額」所指「假設紅利_分紅保額」為「累積已分配增額分紅保額」及「長青額外分紅保額」加總之和。"]
["*","上表「假設紅利_分紅保額」及「當年度末壽險保障及假設紅利_分紅保額」於被保險人投保當時未滿15足歲者，其15歲(含)以下保單年度數值將以\"*****\"呈現，惟實際給付金額應依條款約定為準。"]
["*","屆滿第5保單年度的「分紅保額」於第6保單年度之首日分配，並呈現於上表第6保單年度之「假設紅利_分紅保額」及「假設紅利_分紅保額解約金」欄位，依此類推。"]
["*","上表數值以四捨五入呈現至元，給付時將以實際計算結果為準。"]
[]
["●",{"$f":"\"附約：\"&BNLTRU1商品名稱","v":"附約：保誠人壽美滿人生美元定期壽險附約"}]
["1.","壽險保障：被保險人於本附約有效期間內身故或完全失能者，保誠人壽按身故或完全失能診斷確定當時之「保險金額」給付「身故保險金」或「完全失能保險金」，另加計按日數比例計算當期已繳付之未到期保險費。給付後本附約效力即行終止。"]
["2.","辦理減額繳清或展期定期保險後，上表所載數值將不適用。"]
[]
["商品揭露與注意事項"]
[]
["給付項目：身故保險金或喪葬費用保險金、完全失能保險金、祝壽保險金"]
[]
["【給付項目】"]
[]
["1.","『身故保險金或喪葬費用保險金、完全失能保險金』(本建議書所載之壽險保障)"]
[null,"被保險人於保險契約有效期間內身故或完全失能者，保誠人壽按下列三款計算方式所得金額之最大者給付「身故保險金」或「完全失能保險金」："]
[null,"(1)","身故或完全失能診斷確定當時之「基本保險金額」乘以保單條款附表二之當年度保險金額比率。"]
[null,"(2)","身故或完全失能診斷確定當時之「基本保險金額」的保單價值準備金乘以保單條款附表三之保單價值準備金比率。"]
[null,"(3)","身故或完全失能診斷確定當時之「應已繳總保費」。"]
[null,"保誠人壽除依前項給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併計入身故保險金或完全失能保險金給付。"]
[null,"訂立保險契約時，以未滿十五足歲之未成年人為被保險人，除喪葬費用之給付外，其餘死亡給付之約定於被保險人滿十五足歲之日起發生效力；被保險人滿十五足歲前死亡者，其身故保險金變更為喪葬費用保險金；倘要保人有指定分期方式給付者，其指定無效。"]
[null,"保誠人壽除依前項給付外，另將「累積已分配增額分紅保額」的保單價值準備金與當時有效之「長青解約額外分紅保額」的保單價值準備金退還予要保人。"]
[null,"訂立保險契約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金；倘要保人有指定分期方式給付者，其指定無效。"]
[null,"『喪葬費用保險金』之相關給付，請詳保單條款約定。"]
[null,"被保險人同時或先後致成保單條款附表一所列二項以上之完全失能程度者，保誠人壽僅給付一項完全失能保險金。"]
[null,"保誠人壽依保單條款約定給付身故保險金或喪葬費用保險金、完全失能保險金後，保險契約效力即行終止。惟若要保人有指定分期方式給付身故保險金(不包括變更為喪葬費用保險金)或完全失能保險金，改依保單條款『分期定期保險金的給付』及『分期定期保險金給付約定之變更、終止及其限制』約定辦理，不因保險契約終止而無效。"]
[]
["2.","『祝壽保險金』"]
[null,"被保險人於保險契約有效期間內於「保險期間屆滿日」仍生存者，保誠人壽按下列三款計算方式所得金額之最大者給付祝壽保險金後，保險契約之效力即行終止："]
[null,"(1)","「保險期間屆滿日」當時之「基本保險金額」。"]
[null,"(2)","「保險期間屆滿日」當時之「基本保險金額」的保單價值準備金。"]
[null,"(3)","「保險期間屆滿日」當時之「應已繳總保費」。"]
[null,"保誠人壽除依前項給付外，另將「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」合併給付。"]
[]
["*","『基本保險金額』：係指保險單所載明之保險金額。如該保險金額有所變更時，以變更後之保險金額為準。「基本保險金額」並不包含因「增額分紅保額」與「額外分紅保額」所增加的保險金額。"]
["*","『應已繳總保費』：於繳費期間內係指按「基本保險金額」計算「標準體」之年繳保險費乘以保單年度數之金額；於繳費期滿後，係指按「基本保險金額」計算「標準體」之年繳保險費乘以繳費年期之金額。"]
["*","『保險期間屆滿日』：係指被保險人「保險年齡」達一百一十歲當年之保單週年日。"]
[]
["【紅利給付項目-非保證給付】"]
[]
["1.","保險契約所稱「紅利」即「分紅保額」，包括「增額分紅保額」與「額外分紅保額」。"]
[null,"(1)","保誠人壽每年依據分紅保險業務會計年度(紅利決算基準日12月31日)結算之實際累積營運結果及各該保險單依保單紅利計算與分配說明所載之方式計算「增額分紅保額」及「額外分紅保額」金額，每年由董事會核定後宣告；其中「額外分紅保額」自宣告日起一年有效，且每年所宣告之金額會因實際狀況而有不同。"]
[null,"(2)","於保險契約有效期間內，「增額分紅保額」於屆滿第五保單年度起之各保單週年日分配，「額外分紅保額」於屆滿第五保單年度起適用，倘依「保單紅利計算與分配說明」得有「增額分紅保額」及「額外分紅保額」，則依下列情形給付："]
[null,"一、",null,"被保險人發生身故、完全失能或「保險期間屆滿日」仍生存時，保誠人壽給付「累積已分配增額分紅保額」及當時有效之「長青額外分紅保額」。"]
[null,"二、",null,"當要保人辦理終止契約，保誠人壽給付「累積已分配增額分紅保額」的保單價值準備金與當時有效之「長青解約額外分紅保額」的保單價值準備金。上述保單價值準備金之金額將小於「累積已分配增額分紅保額」與「長青解約額外分紅保額」之數值。"]
[null,"(3)","當「增額分紅保額」累積達有保單價值準備金時，要保人得申請減少全部或部分有效之「累積已分配增額分紅保額」，保誠人壽以減少部分之「累積已分配增額分紅保額」的保單價值準備金給付予要保人。上述保單價值準備金之金額將小於所申請減少之「累積已分配增額分紅保額」。申請減少之「累積已分配增額分紅保額」視為終止契約，未來每年分配的「增額分紅保額」與「額外分紅保額」將因此減少。"]
[]
["*","『增額分紅保額』：為每年(經宣告後)分配一次之分紅保額。"]
["*","『額外分紅保額』：為給付以一次為限之分紅保額，分為「長青額外分紅保額」與「長青解約額外分紅保額」。「額外分紅保額」自宣告日起一年有效，並不逐年累積，因此每年公佈之「額外分紅保額」金額可能較前一年度增加，亦可能減少。"]
[null,"「長青額外分紅保額」為被保險人身故、完全失能或「保險期間屆滿日」仍生存時給付之「額外分紅保額」。"]
[null,"「長青解約額外分紅保額」為要保人終止契約或契約失效時，計算保單價值準備金之「額外分紅保額」。"]
["*","『累積已分配增額分紅保額』：係指保險契約有效期間各年度已分配「增額分紅保額」的總和，並依保單條款約定於被保險人身故、完全失能、「保險期間屆滿日」仍生存、要保人終止契約或契約失效時給付，但須扣除因要保人所減少「累積已分配增額分紅保額」之保額。"]
[]
["2.","依主管機關規定，分紅人壽保險商品如有連續二年未能達到最可能紅利金額(保額)(中分紅)之累積值時，保誠人壽應向主管機關說明理由及改善措施。"]
[]
[null,"保單紅利計算"]
[null,"於設計保單分紅保額時，係先以當前經濟環境及資產配置所推算之預期投資報酬率假設(中分紅假設紅利情境之投資報酬率)及各項基於公司經驗設定之負債面假設，例如死亡率、保單繼續率及各項費用率等，推算未來每一保單年度的保費收入、投資收入、保險理賠支出、解約金給付及各項費用支出，得出每一保單年度的累積盈餘，並以此累積盈餘作為設計保單分紅保額的財源。"]
[null,"本商品「增額分紅保額」採用保額累加滾存方式設計，於紅利開始分配年度後，每一年度宣告的「增額分紅保額」，均以「基本保險金額」及「累積已分配增額分紅保額」為基礎往上疊加，達到後期保額的加速累積效果，計算公式如下："]
[null,"增額分紅保額(t) = 基本保險金額(t) × x(t) + 累積已分配增額分紅保額(t-1) × y(t)"]
[null,"其中，"]
[null,"n","x(t)：第t保單年度於「基本保險金額(t)」之分紅保額比率；"]
[null,"n","y(t)：第t保單年度於「累積已分配增額分紅保額(t-1)」之分紅保額比率；"]
[null,"n","t：保單年度。"]
[null,"「長青額外分紅保額」及「長青解約額外分紅保額」則是以「基本保險金額」加上「累積已分配增額分紅保額」的一個比例來設計，於紅利開始適用年度後，提供額外的保險金額與解約金，計算公式如下："]
[null,"長青額外分紅保額(t) = ( 基本保險金額(t) + 累積已分配增額分紅保額(t) ) × z1(t)"]
[null,"長青解約額外分紅保額(t) = ( 基本保險金額(t) + 累積已分配增額分紅保額(t) ) × z2(t)"]
[null,"其中，"]
[null,"n","z1(t)：第t保單年度長青額外分紅保額之分紅保額比率；"]
[null,"n","z2(t)：第t保單年度長青解約額外分紅保額之分紅保額比率；"]
[null,"n","t：保單年度。"]
[null,"設計時先以前述的累積盈餘支應「增額分紅保額」，並於週年日以提高保險金額的方式，分配予保險契約仍然有效之保戶。剩餘的累積盈餘則以提供「長青額外分紅保額」及「長青解約額外分紅保額」的方式，分別於保戶身故/完全失能/達保險期間屆滿日仍生存，及要保人終止保險契約時給付。如此透過保單分紅保額的設計，逐步將累積盈餘依約定之比例(本商品分配予要保人之比例為85%，符合主管機關之規定，剩餘之15%則分配予股東)，全數分配給保戶及股東。"]
[null,"以本商品的中分紅假設紅利情境為例，以投資報酬率假設5.25%及各項負債面假設(包含死亡率、保單繼續率及各項費用率等)計算每一保單年度的累積盈餘，先用以支應「增額分紅保額」，達到設定的壽險保額初步提升目標。「長青額外分紅保額」及「長青解約額外分紅保額」則如前述，係以累積盈餘支應「增額分紅保額」成本後之餘額，決定可提供之保額，協助保戶達到壽險保障規劃的需求。於保戶獲得分紅保額的同時，以分紅保額成本及分配予要保人之比例，計算股東可分配之紅利，並由累積盈餘中扣除，最終將累積盈餘全數分配給保戶及股東。"]
[]
[null,{"$f":"IF(保額比率揭露=1,保額比率_1,IF(保額比率揭露=2,保額比率_2,IF(保額比率揭露=3,保額比率_3,保額比率_4)))","v":"以保戶投保年齡40歲男性，上述x為0.25%；y為0.25%；長青額外分紅保額之分紅保額比率(z1)介於100.00%至316.83%之間；長青解約額外分紅保額之分紅保額比率(z2)介於44.00%至316.83%之間。"}]
[]
["【分期定期保險金的給付】"]
[]
["1.","要保人選擇身故保險金(不包括變更為喪葬費用保險金)或完全失能保險金為分期定期給付者，保誠人壽自「分期定期給付開始日」起，依「分期定期保險金給付期間」及「分期定期保險金預定利率」將「指定保險金」換算成每年初應給付之金額，按約定將每期分期定期保險金給付予受益人。「分期定期保險金給付期間」屆滿時，分期定期給付之約定即行終止。"]
[]
["2.","「分期定期給付開始日」時，除前項分期定期保險金之給付外，保誠人壽並將按身故保險金或完全失能保險金各受益人得受領之保險金，扣除「指定保險金」後之餘額，給付予各受益人。"]
[]
["3.","保誠人壽按約定給付分期定期保險金後，成為不分紅保單，不享有紅利分配。"]
[]
["*","「指定保險金」係指符合身故保險金(不包括變更為喪葬費用保險金)或完全失能保險金申領條件時，以該保險金各受益人得受領之保險金乘以於要保書或保險契約有效期間內於保險事故發生前另行批註約定之比例所得之金額；該金額係作為保誠人壽分期定期給付每期應給付予受益人保險金之換算依據。"]
["*","「分期定期保險金預定利率」係指保誠人壽於「分期定期給付開始日」用以計算分期給付金額之利率。該利率係以「分期定期給付開始日」保誠人壽公告於保誠人壽網站之利率為準。"]
["*","「分期定期給付開始日」係指受益人檢齊申請身故、完全失能保險金之所需文件並送達保誠人壽後保誠人壽開始給付分期定期保險金之日，但該給付開始日不得晚於受益人備齊申請身故、完全失能保險金之所需文件並送達保誠人壽之日起十五日。"]
["*","「分期定期保險金給付期間」係指依保險契約要保書約定之給付期間，該期間為五年、十年、十五年、二十年或二十五年，如該期間有所變更時，則以變更後並批註於保險單之期間為準。"]
["*","每年給付之分期定期保險金低於五千美元者，保誠人壽將一次給付「指定保險金」予保險契約受益人，分期定期給付之約定即行終止。"]
[]
["【注意事項】"]
[]
["1.","投保後解約或不繼續繳費可能不利消費者，請慎選符合需求之保險商品。"]
["2.","保險契約各項權利義務皆詳列於保單條款，消費者務必詳加閱讀了解，並把握保單契約撤銷之時效(收到保單翌日起算十日內)。"]
["3.","本商品為以外幣收付之非投資型人身保險契約，不得與新臺幣收付之人身保險契約辦理契約轉換。"]
["4.","本商品保險費之收取或返還、給付各項保險金或解約金、支付保險單借款或保險單借款本息之收取及其他款項收付之幣別，皆以美元為貨幣單位。要保人及受益人須留意美元在未來兌換成新臺幣將會因匯率不同，產生匯兌上的差異，此差異可能使要保人及受益人享有匯兌價差的收益或造成損失，要保人及受益人須自行承擔該部分之風險及該幣別所屬國家之政治、經濟變動風險。"]
["5.","本商品為保險商品，受人身保險安定基金保障，非屬存款，故不受存款保險之保障。"]
["6.","本商品經保誠人壽合格簽署人員檢視其內容業已符合一般精算原則及保險法令，惟為確保權益，基於保險公司與消費者衡平對等原則，消費者仍應詳加閱讀保險單條款與相關文件，審慎選擇保險商品。本商品如有虛偽不實或違法情事，應由保誠人壽及負責人依法負責。"]
["7.","人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。消費者如欲進一步參考實質課稅相關案例，請詳保誠人壽網站。"]
["8.","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["9.","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高47%，最低12%，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
["10.","本商品係由保誠人壽提供並負擔基於保險契約所生之權利義務，與保誠人壽合作之各保險代理人或保險經紀人協助招攬及代收保費(含保險文件之轉交)，承保與否及保險給付之責任由保誠人壽負責，惟各保險代理人或保險經紀人並不因此而與保誠人壽成立合夥、委任或僱傭等任何關係。"]
[]
["保費效益比"]
[]
["1.",{"$f":"\"下列表格數值係指投保\"&商品名稱&\"(6年期)，各保單年度末解約金及假設紅利(中)總和與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)(6年期)，各保單年度末解約金及假設紅利(中)總和與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                       投保年齡\n 保單年度",null,null,null,null,"5歲",null,null,null,"35歲",null,null,null,"65歲"]
[null,null,null,null,null,null,"男",null,"女",null,"男",null,"女",null,"男",null,"女"]
[null,1,null,null,null,null,27,null,27,null,31,null,31,null,35,null,36]
[null,2,null,null,null,null,35,null,36,null,41,null,42,null,46,null,48]
[null,3,null,null,null,null,38,null,39,null,44,null,45,null,50,null,52]
[null,4,null,null,null,null,43,null,43,null,49,null,50,null,56.000000000000007,null,56.999999999999993]
[null,5,null,null,null,null,49,null,50,null,56.000000000000007,null,57.999999999999993,null,64,null,66]
[null,10,null,null,null,null,103,null,104,null,101,null,103,null,91,null,94]
[null,15,null,null,null,null,108,null,109.00000000000001,null,106,null,108,null,90,null,94]
[null,20,null,null,null,null,113.99999999999999,null,115.99999999999999,null,112.00000000000001,null,113.99999999999999,null,88,null,93]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
["2.","保費效益比公式如下："]
[]
[null,"註1：",null,"CVm為第m保單年度之年末解約金(本險為基本保險金額之解約金加上可能「累積已分配增額分紅保額」及「長青解約額外分紅保額」所計算之保單價值準備金)。"]
[null,"註2：",null,"GPt為第t保單年度之年繳保險費。"]
[null,"註3：",null,"Endt為第t保單年度之生存保險金(本險無生存保險金，故值為0)。"]
[null,"註4：",null,"m=1~5、10、15、20"]
[null,"註5：",null,"i為113年度之十二個月臺灣銀行股份有限公司、第一商業銀行股份有限公司與合作金庫商業銀行股份有限公司每月初(每月第一個營業日)牌告之二年期定期儲蓄存款最高年利率之平均值(1.72%)。"]
[null,"註6：",null,"Σ為加總之符號。"]
[]
["3.","上述保費效益比是依據主管機關規定，應揭露依被保險人性別，以至少三個主要年齡層之代表年齡計算之數值。"]
[]
["※","銷售人員已提供「建議書」予要保人，並清楚說明文件內容。要保人聲明已審閱並瞭解本建議書之說明，同時確認銷售人員已分析本人需求，並提供符合本人需求之保險商品。"]
["※","本人已了解保單紅利為非保證給付項目，可能會變動為較高或較低之數字，且在最極端的情況下，紅利可能為零。銷售人員已確實告知上述情事。"]
[]
[null,"要保人簽名：________________________________",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"法定代理人簽名：____________________________________________"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(要保人未成年者，由法定代理人簽名)"]
[null,"業務員/經紀人/"]
[null,"保險代理人簽名： (1) _________________________  (2) _________________________",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"申請日期：_______年_______月_______日"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(由要保人填寫)"]

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["商品利益說明表 (不含紅利部分) ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
["●",{"$f":"商品名稱&\"(\"&商品代碼&\")\"","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)(ARLPLU42)"}]
[]
[{"$f":"IF(總檢核,\"要保人：\"&要保人_顯示,\"要保人：\")","v":"要保人：貴保戶 君"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"被保險人：\"&被保人_顯示,\"被保險人：\")","v":"被保險人：貴保戶 君"},null,null,null,null,null,{"$f":"IF(總檢核,\"被保險人性別/年齡：\"&被保人性別年齡_顯示,\"被保險人性別/年齡：\")","v":"被保險人性別/年齡：男/40歲"},null,null,null,null,null,{"$f":"IF(總檢核,\"保障期間：\"&保障年期_顯示,\"保障期間：\")","v":"保障期間：達110歲之保單週年日"},null,null,null,null,null,{"$f":"IF(總檢核,\"年期：\"&繳費年期_顯示,\"年期：\")","v":"年期：6年"},null,null,null,"回資料輸入"]
[{"$f":"IF(總檢核,\"保額：\"&保額_顯示,\"保額：\")","v":"保額：100,000元(美元)"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"每期原始保費：\"&每期原始保費_顯示,\"每期原始保費：\")","v":"每期原始保費：10,190元"},null,null,null,null,null,{"$f":"IF(總檢核,\"每期折扣後保費：\"&每期折扣後保費_顯示,\"每期折扣後保費：\")","v":"每期折扣後保費：10,038元"}]
[{"$f":"IF(總檢核,\"繳別：\"&繳別_顯示,\"繳別：\")","v":"繳別：年繳"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"高保費折扣：\"&高保費折扣_顯示,\"高保費折扣：\")","v":"高保費折扣：0.5%"},null,null,null,null,null,{"$f":"IF(總檢核,\"首期/續期繳費折扣：\"&繳費折扣_顯示,\"首期/續期繳費折扣：\")","v":"首期/續期繳費折扣：1%"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
["年度",null,"年齡",null,"折扣後\n當年度所繳保險費",null,null,null,"折扣後\n累計所繳保險費",null,null,null,"當年度末壽險保障",null,null,null,"當年度末解約金",null,null,null,"當年度末\n保單價值準備金",null,null,null,"當年度末\n減額繳清保險金額"]
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[]
["*","本頁並非完整文件，應與《建議書》併為閱讀。"]
["*","如被保險人於保險契約有效期間且年齡未滿15足歲前身故者，其身故保險金變更為喪葬費用保險金，以遺產稅喪葬費扣除額之一半(新臺幣69萬元)為上限給付之，其超過部分保誠人壽無息退還該超過部分之已繳保險費。日後法令如有變動，則依變動後之規定為準。"]
["*","建議書所載15歲之當年度末壽險保障，於投保當時未滿15足歲者為喪葬費用保險金，已滿15足歲者則為身故保險金，惟實際給付金額應依條款約定為準。"]
["*","本建議書預設之喪葬費用保險金係依法定上限，採1美元兌換32元新臺幣之匯率計算，實際匯率換算則依條款約定為準。"]
["1.","壽險保障：被保險人於保險契約有效期間內身故或完全失能者，保誠人壽按身故或完全失能診斷確定當時之下列三款計算方式所得金額之最大者給付「身故保險金」或「完全失能保險金」：(1)「基本保險金額」乘以保單條款附表二之當年度保險金額比率。(2)「基本保險金額」的保單價值準備金乘以保單條款附表三之保單價值準備金比率。(3)「應已繳總保費」。給付後，保險契約效力即行終止。惟若要保人選擇保險金分期定期給付，則保險契約效力改於『分期定期保險金給付期間』屆滿時終止。"]
["2.","辦理減額繳清或展期定期保險後，上表所載數值將不適用。"]

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["減少保險金額影響表",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
["●",{"$f":"商品名稱&\"(\"&商品代碼&\")\"","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)(ARLPLU42)"}]
[]
[{"$f":"IF(總檢核,\"要保人：\"&要保人_顯示,\"要保人：\")","v":"要保人：貴保戶 君"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"被保險人：\"&被保人_顯示,\"被保險人：\")","v":"被保險人：貴保戶 君"},null,null,null,null,null,{"$f":"IF(總檢核,\"被保險人性別/年齡：\"&被保人性別年齡_顯示,\"被保險人性別/年齡：\")","v":"被保險人性別/年齡：男/40歲"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"保障期間：\"&保障年期_顯示,\"保障期間：\")","v":"保障期間：達110歲之保單週年日"},null,null,null,null,null,{"$f":"IF(總檢核,\"年期：\"&繳費年期_顯示,\"年期：\")","v":"年期：6年"},null,null,null,"回資料輸入"]
[{"$f":"IF(總檢核,\"保額：\"&保額_顯示,\"保額：\")","v":"保額：100,000元(美元)"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"每期原始保費：\"&每期原始保費_顯示,\"每期原始保費：\")","v":"每期原始保費：10,190元"},null,null,null,null,null,{"$f":"IF(總檢核,\"每期折扣後保費：\"&每期折扣後保費_顯示,\"每期折扣後保費：\")","v":"每期折扣後保費：10,038元"}]
[{"$f":"IF(總檢核,\"繳別：\"&繳別_顯示,\"繳別：\")","v":"繳別：年繳"},null,null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"高保費折扣：\"&高保費折扣_顯示,\"高保費折扣：\")","v":"高保費折扣：0.5%"},null,null,null,null,null,{"$f":"IF(總檢核,\"首期/續期繳費折扣：\"&繳費折扣_顯示,\"首期/續期繳費折扣：\")","v":"首期/續期繳費折扣：1%"}]
[]
["*","本商品為終身壽險，給付項目無生存保險金或年金給付，且任何保單年度之減少保險金額，均會減少保單保障、解約金及紅利，建議必須依照自身財務及保障需求妥適規劃。"]
[{"$f":"\"保險金額影響說明_以假設\"&$AJ$10&\"分紅為例\"","v":"保險金額影響說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","中"]
[]
["年\n度",null,"年\n齡",null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AJ$10&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
[null,null,null,null,null,null,null,null,null,null,"原保險金額試算",null,null,null,null,null,"減少保險金額試算"]
[null,null,null,null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末\n可能領取\n解約金總額",null,null,"該次減少\n保險金額\n可領取之解約金",null,null,"歷年減少\n保險金額\n領取之解約金總額",null,null,"減少保險金額後\n當年度末壽險保障及\n假設紅利＿分紅保額",null,null,"減少保險金額後\n當年度末解約\n可能領取之解約金",null,null,"累計至\n當年度末\n解約可能總領金額"]
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[]
["*","本商品為終身壽險，給付項目無生存保險金或年金給付，且任何保單年度之減少保險金額，均會減少保單保障、解約金及紅利，建議必須依照自身財務及保障需求妥適規劃。"]
[{"$f":"\"保險金額影響說明_以假設\"&$AJ$10&\"分紅為例\"","v":"保險金額影響說明_以假設中分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
["年\n度",null,"年\n齡",null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AJ$10&\"分紅)\"","v":"非保證給付項目(假設中分紅)"}]
[null,null,null,null,null,null,null,null,null,null,"原保險金額試算",null,null,null,null,null,"減少保險金額試算"]
[null,null,null,null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末\n可能領取\n解約金總額",null,null,"該次減少\n保險金額\n可領取之解約金",null,null,"歷年減少\n保險金額\n領取之解約金總額",null,null,"減少保險金額後\n當年度末壽險保障及\n假設紅利＿分紅保額",null,null,"減少保險金額後\n當年度末解約\n可能領取之解約金",null,null,"累計至\n當年度末\n解約可能總領金額"]
[null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本商品為終身壽險，給付項目無生存保險金或年金給付，且任何保單年度之減少保險金額，均會減少保單保障、解約金及紅利，建議必須依照自身財務及保障需求妥適規劃。"]
[{"$f":"\"保險金額影響說明_以假設\"&$AJ$138&\"分紅為例\"","v":"保險金額影響說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","低"]
[]
["年\n度",null,"年\n齡",null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AJ$138&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
[null,null,null,null,null,null,null,null,null,null,"原保險金額試算",null,null,null,null,null,"減少保險金額試算"]
[null,null,null,null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末\n可能領取\n解約金總額",null,null,"該次減少\n保險金額\n可領取之解約金",null,null,"歷年減少\n保險金額\n領取之解約金總額",null,null,"減少保險金額後\n當年度末壽險保障及\n假設紅利＿分紅保額",null,null,"減少保險金額後\n當年度末解約\n可能領取之解約金",null,null,"累計至\n當年度末\n解約可能總領金額"]
[null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本商品為終身壽險，給付項目無生存保險金或年金給付，且任何保單年度之減少保險金額，均會減少保單保障、解約金及紅利，建議必須依照自身財務及保障需求妥適規劃。"]
[{"$f":"\"保險金額影響說明_以假設\"&$AJ$138&\"分紅為例\"","v":"保險金額影響說明_以假設低分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
["年\n度",null,"年\n齡",null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AJ$138&\"分紅)\"","v":"非保證給付項目(假設低分紅)"}]
[null,null,null,null,null,null,null,null,null,null,"原保險金額試算",null,null,null,null,null,"減少保險金額試算"]
[null,null,null,null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末\n可能領取\n解約金總額",null,null,"該次減少\n保險金額\n可領取之解約金",null,null,"歷年減少\n保險金額\n領取之解約金總額",null,null,"減少保險金額後\n當年度末壽險保障及\n假設紅利＿分紅保額",null,null,"減少保險金額後\n當年度末解約\n可能領取之解約金",null,null,"累計至\n當年度末\n解約可能總領金額"]
[null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本商品為終身壽險，給付項目無生存保險金或年金給付，且任何保單年度之減少保險金額，均會減少保單保障、解約金及紅利，建議必須依照自身財務及保障需求妥適規劃。"]
[{"$f":"\"保險金額影響說明_以假設\"&$AJ$266&\"分紅為例\"","v":"保險金額影響說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"},null,null,null,"選擇分紅","無"]
[]
["年\n度",null,"年\n齡",null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AJ$266&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
[null,null,null,null,null,null,null,null,null,null,"原保險金額試算",null,null,null,null,null,"減少保險金額試算"]
[null,null,null,null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末\n可能領取\n解約金總額",null,null,"該次減少\n保險金額\n可領取之解約金",null,null,"歷年減少\n保險金額\n領取之解約金總額",null,null,"減少保險金額後\n當年度末壽險保障及\n假設紅利＿分紅保額",null,null,"減少保險金額後\n當年度末解約\n可能領取之解約金",null,null,"累計至\n當年度末\n解約可能總領金額"]
[null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本商品為終身壽險，給付項目無生存保險金或年金給付，且任何保單年度之減少保險金額，均會減少保單保障、解約金及紅利，建議必須依照自身財務及保障需求妥適規劃。"]
[{"$f":"\"保險金額影響說明_以假設\"&$AJ$266&\"分紅為例\"","v":"保險金額影響說明_以假設無分紅為例"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
["年\n度",null,"年\n齡",null,null,null,null,null,null,null,{"$f":"\"非保證給付項目\"&\"(假設\"&$AJ$266&\"分紅)\"","v":"非保證給付項目(假設無分紅)"}]
[null,null,null,null,null,null,null,null,null,null,"原保險金額試算",null,null,null,null,null,"減少保險金額試算"]
[null,null,null,null,"折扣後\n當年度\n所繳保險費",null,null,"折扣後\n累計\n所繳保險費",null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末\n可能領取\n解約金總額",null,null,"該次減少\n保險金額\n可領取之解約金",null,null,"歷年減少\n保險金額\n領取之解約金總額",null,null,"減少保險金額後\n當年度末壽險保障及\n假設紅利＿分紅保額",null,null,"減少保險金額後\n當年度末解約\n可能領取之解約金",null,null,"累計至\n當年度末\n解約可能總領金額"]
[null,null,null,null,null,null,null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["*","本頁並非完整文件，應與《建議書》併為閱讀。"]
["*","上表所列之假設紅利數值係依主約商品各分紅情境之投資報酬率，並考慮合理的理賠率及費用率等整體經營績效後而得，不表示保單之實際紅利，亦不能作為未來分紅之保證或推論，實際紅利金額可能較高或較低。"]
["*","上表若有\"---\"表示基本保險金額歸零，保單效力即行終止。"]
["*","上表「當年度末壽險保障及假設紅利_分紅保額」於被保險人投保當時未滿15足歲者，其15歲(含)以下保單年度數值將以\"*****\"呈現，惟實際給付金額應依條款約定為準。"]
["*","減額後的「基本保險金額」，不得低於本保險最低承保金額。"]
["*","上表顯示早期解約對保戶不利。"]
["1.","減少保險金額：其減少部分依保單條款終止之約定處理。要保人申請減少「基本保險金額」後的「增額分紅保額」與「額外分紅保額」之計算，將以減少後的「基本保險金額」為準。要保人不得申請減少「額外分紅保額」。"]
["2.","當「增額分紅保額」累積達有保單價值準備金時，要保人得申請減少全部或部分有效之「累積已分配增額分紅保額」，保誠人壽以減少部分之「累積已分配增額分紅保額」的保單價值準備金給付予要保人。上述保單價值準備金之金額將小於所申請減少之「累積已分配增額分紅保額」。申請減少之「累積已分配增額分紅保額」視為終止契約，未來每年分配的「增額分紅保額」與「額外分紅保額」將因此減少。"]

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["保險金分期定期給付試算表",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
["●",{"$f":"商品名稱&\"(\"&商品代碼&\")\"","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)(ARLPLU42)"}]
[]
[{"$f":"IF(總檢核,\"要保人：\"&要保人_顯示,\"要保人：\")","v":"要保人：貴保戶 君"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"被保險人：\"&被保人_顯示,\"被保險人：\")","v":"被保險人：貴保戶 君"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"被保險人性別/年齡：\"&被保人性別年齡_顯示,\"被保險人性別/年齡：\")","v":"被保險人性別/年齡：男/40歲"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,\"保障期間：\"&保障年期_顯示,\"保障期間：\")","v":"保障期間：達110歲之保單週年日"},null,null,null,null,null,null,null,null,null,"回資料輸入"]
[{"$f":"IF(總檢核,\"保額：\"&保額_顯示,\"保額：\")","v":"保額：100,000元(美元)"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"每期原始保費：\"&每期原始保費_顯示,\"每期原始保費：\")","v":"每期原始保費：10,190元"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"每期折扣後保費：\"&每期折扣後保費_顯示,\"每期折扣後保費：\")","v":"每期折扣後保費：10,038元"}]
[{"$f":"IF(總檢核,\"繳別：\"&繳別_顯示,\"繳別：\")","v":"繳別：年繳"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"高保費折扣：\"&高保費折扣_顯示,\"高保費折扣：\")","v":"高保費折扣：0.5%"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"首期/續期繳費折扣：\"&繳費折扣_顯示,\"首期/續期繳費折扣：\")","v":"首期/續期繳費折扣：1%"}]
[{"$f":"IF(總檢核,\"年期：\"&繳費年期_顯示,\"年期：\")","v":"年期：6年"},null,null,null,null,null,null,{"$f":"IF(總檢核,IF(保險金分期檢核,\"指定保險金比例：\"&TEXT(指定保險金比例_定期,\"#,##0\")&\"%\",\"指定保險金比例：\"),\"指定保險金比例：\")","v":"指定保險金比例：100%"},null,null,null,null,null,null,{"$f":"IF(總檢核,IF(保險金分期檢核,\"分期定期保險金給付期間：\"&分期定期給付期間&\"年\",\"分期定期保險金給付期間：\"),\"分期定期保險金給付期間：\")","v":"分期定期保險金給付期間：10年"},null,null,null,null,null,null,null,{"$f":"IF(總檢核,IF(保險金分期檢核,\"假設分期定期保險金預定利率：\"&TEXT(年金預定利率,\"0.00%\"),\"假設分期定期保險金預定利率：\"),\"假設分期定期保險金預定利率：\")","v":"假設分期定期保險金預定利率：4.12%"}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
["年\n度",null,"年\n齡",null,"非保證給付項目"]
[null,null,null,null,"假設中分紅",null,null,null,null,null,null,null,null,"假設低分紅",null,null,null,null,null,null,null,null,"假設無分紅"]
[null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末身故/完全失能可領金額",null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末身故/完全失能可領金額",null,null,null,null,null,"當年度末\n壽險保障及\n假設紅利_分紅保額",null,null,"當年度末身故/完全失能可領金額"]
[null,null,null,null,null,null,null,{"$f":"IF(AND(總檢核,保險金分期檢核),\"一次給付\n(給付比例\"&(100-指定保險金比例_定期)&\"%)\",\"一次給付\")","v":"一次給付\n(給付比例0%)"},null,null,{"$f":"IF(AND(總檢核,保險金分期檢核),\"每年分期給付\"&\"\n(給付比例\"&(指定保險金比例_定期)&\"%)\",\"每年分期給付\")","v":"每年分期給付\n(給付比例100%)"},null,null,null,null,null,{"$f":"IF(AND(總檢核,保險金分期檢核),\"一次給付\n(給付比例\"&(100-指定保險金比例_定期)&\"%)\",\"一次給付\")","v":"一次給付\n(給付比例0%)"},null,null,{"$f":"IF(AND(總檢核,保險金分期檢核),\"每年分期給付\"&\"\n(給付比例\"&(指定保險金比例_定期)&\"%)\",\"每年分期給付\")","v":"每年分期給付\n(給付比例100%)"},null,null,null,null,null,{"$f":"IF(AND(總檢核,保險金分期檢核),\"一次給付\n(給付比例\"&(100-指定保險金比例_定期)&\"%)\",\"一次給付\")","v":"一次給付\n(給付比例0%)"},null,null,{"$f":"IF(AND(總檢核,保險金分期檢核),\"每年分期給付\"&\"\n(給付比例\"&(指定保險金比例_定期)&\"%)\",\"每年分期給付\")","v":"每年分期給付\n(給付比例100%)"}]
[null,null,null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)",null,null,"(預估值)"]
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[]
["＊","分期定期保險金之相關說明請詳《建議書》"]
["1.","要保人選擇身故保險金或完全失能保險金為分期定期給付者，保誠人壽自「分期定期給付開始日」起，依「分期定期保險金給付期間」及「分期定期保險金預定利率」將「指定保險金」換算成每年初應給付之金額，按約定將每期分期定期保險金給付予受益人。"]
["2.","上表「一次給付」金額係指身故保險金或完全失能保險金扣除「指定保險金」後之餘額，於「分期定期給付開始日」時給付予受益人。"]
["3.","上表「每年分期給付」金額低於5,000美元時，該保單年度「一次給付」及「每年分期給付」數值將以 \"*****\" 呈現，保誠人壽將一次給付「指定保險金」予保險契約受益人，分期定期給付之約定即行終止。"]
["4.","上表「當年度末壽險保障及假設紅利_分紅保額」於被保險人投保當時未滿15足歲者，其15歲(含)以下保單年度數值將以 \"*****\" 呈現，惟實際金額應依條款約定為準。"]

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["保險金分期定額給付試算表",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
["●",{"$f":"商品名稱&\"(\"&商品代碼&\")\"","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)(ARLPLU42)"}]
[]
[{"$f":"IF(總檢核,\"要保人：\"&要保人_顯示,\"要保人：\")","v":"要保人：貴保戶 君"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"被保險人：\"&被保人_顯示,\"被保險人：\")","v":"被保險人：貴保戶 君"},null,null,null,{"$f":"IF(總檢核,\"被保險人性別/年齡：\"&被保人性別年齡_顯示,\"被保險人性別/年齡：\")","v":"被保險人性別/年齡：男/40歲"},null,null,null,{"$f":"IF(總檢核,\"保障期間：\"&保障年期_顯示,\"保障期間：\")","v":"保障期間：達110歲之保單週年日"},null,null,null,null,"回資料輸入"]
[{"$f":"IF(總檢核,\"保額：\"&保額_顯示,\"保額：\")","v":"保額：100,000元(美元)"},null,null,null,null,null,null,{"$f":"IF(總檢核,\"每期原始保費：\"&每期原始保費_顯示,\"每期原始保費：\")","v":"每期原始保費：10,190元"},null,null,null,{"$f":"IF(總檢核,\"每期折扣後保費：\"&每期折扣後保費_顯示,\"每期折扣後保費：\")","v":"每期折扣後保費：10,038元"}]
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[]
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[null,null,null,null,"假設中分紅",null,null,null,null,"假設低分紅",null,null,null,null,"假設無分紅"]
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[]
["＊","分期定額保險金之相關說明請詳《建議書》"]
["1.","要保人選擇身故保險金或完全失能保險金為分期定額給付者，自分期定額給付開始日起，保誠人壽將扣除「指定保險金」後之餘額一次給付予受益人；保誠人壽依約定再將分期定額保險金每年給付予受益人。"]
["2.","上表一次給付金額係指身故保險金或完全失能保險金扣除「指定保險金」後之餘額，於「分期定額給付開始日」時給付予受益人。"]
["3.","當該年度之分期給付金額不足一期分期定額保險金金額時，該年度數值將以”******”表示。"]
["4.","上表預估期數最大僅試算至100期，實際給付期數將依保單條款約定辦理。"]
["5.","上表「剩餘金額」若小於「每期給付金額」時，「剩餘金額」為「不足一期應給付金額」，如給付分期定額保險金時留有不足一期應給付金額時，保誠人壽將「剩餘金額」與當期金額一併給付予受益人；上表「剩餘金額」若大於或等於「每期給付金額」時，「剩餘金額」則為「尚未領取的分期定額保險金及利息」。"]
["6.","上表「當年度末壽險保障及假設紅利_分紅保額」於被保險人投保當時未滿15足歲者，其15歲(含)以下保單年度數值將以\"*****\"呈現，惟實際金額應依條款約定為準。"]

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[{"$f":"BNLTRU1商品名稱","v":"保誠人壽美滿人生美元定期壽險附約"}]
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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
["給付項目",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"給付金額 (元)"]
["身故保險金或喪葬費用保險金(註)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(OR(BNLTRU1附約保額=0,BNLTRU1附約保額=\"\"),\"\",TEXT(BNLTRU1_SA*10000,\"#,##0\")), \"\")","v":""}]
["完全失能保險金(註)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(總檢核,BNLTRU1檢核),IF(OR(BNLTRU1附約保額=0,BNLTRU1附約保額=\"\"),\"\",TEXT(BNLTRU1_SA*10000,\"#,##0\")), \"\")","v":""}]
[]
["註："]
["1.","被保險人於本附約有效期間內身故者，保誠人壽按「保險金額」給付身故保險金，另加計按日數比例計算當期已繳付之未到期保險費。"]
["2.","訂立本附約時，以受監護宣告尚未撤銷者為被保險人，其身故保險金變更為喪葬費用保險金。"]
["3.","被保險人於本附約有效期間內致成保單條款附表一所列完全失能程度之一者，保誠人壽按失能診斷確定當時之「保險金額」給付完全失能保險金，另加計按日數比例計算當期已繳付之未到期保險費。"]
["4.","保誠人壽依規定給付前述身故保險金或喪葬費用保險金或完全失能保險金後，本附約效力即行終止。"]
["※","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
[]
["●",{"$f":"BNLTRU1商品名稱","v":"保誠人壽美滿人生美元定期壽險附約"}]
[null,"商品備查文號：民國107年04月25日保誠總字第1070127號"]
[null,"逕行修訂文號：民國114年01月01日依金融監督管理委員會113年09月23日金管保壽字第1130427324號函修正"]
[null,"給付項目：身故保險金或喪葬費用保險金、完全失能保險金"]
[]
["※","本保險為不分紅保險單，不參加紅利分配，並無紅利給付項目。"]
["※","投保後解約或不繼續繳費可能不利消費者，請慎選符合需求之保險商品。"]
["※","保險契約各項權利義務皆詳列於保單條款，消費者務必詳加閱讀了解，並把握保單契約撤銷之時效(收到保單翌日起算十日內)。"]
["※","本商品為以外幣收付之非投資型人身保險契約，不得與新臺幣收付之人身保險契約辦理契約轉換。"]
["※","本商品保險費之收取或返還、給付各項保險金或解約金、支付保險單借款或保險單借款本息之收取及其他款項收付之幣別，皆以美元為貨幣單位。要保人及受益人須留意美元在未來兌換成新臺幣將會因匯率不同，產生匯兌上的差異，此差異可能使要保人及受益人享有匯兌價差的收益或造成損失，要保人及受益人須自行承擔該部分之風險及該幣別所屬國家之政治、經濟變動風險。"]
["※","本商品為保險商品，受人身保險安定基金保障，非屬存款，故不受存款保險之保障。"]
["※","本商品經保誠人壽合格簽署人員檢視其內容業已符合一般精算原則及保險法令，惟為確保權益，基於保險公司與消費者衡平對等原則，消費者仍應詳加閱讀保險單條款與相關文件，審慎選擇保險商品。本商品如有虛偽不實或違法情事，應由保誠人壽及負責人依法負責。"]
["※","人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。消費者如欲進一步參考實質課稅相關案例，請詳保誠人壽網站。"]
["※","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["※","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高67％，最低21％，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線 0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
["※","本商品係由保誠人壽提供並負擔基於保險契約所生之權利義務，與保誠人壽合作之各保險代理人或保險經紀人協助招攬及代收保費(含保險文件之轉交)，承保與否及保險給付之責任由保誠人壽負責，惟各保險代理人或保險經紀人並不因此而與保誠人壽成立合夥、委任或僱傭等任何關係。"]
[]
["保費效益比"]
[]
["1.",{"$f":"\"下列表格數值係指投保\"&BNLTRU1商品名稱&\"(6年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿人生美元定期壽險附約(6年期)，各保單年度末解約金與保險費之比例關係："},null,null,null,null,null,null,null,null,null,{"$f":"\"下列表格數值係指投保\"&BNLTRU1商品名稱&\"(10年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿人生美元定期壽險附約(10年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,"(單位：%)",null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                    投保年齡\n  保單年度",null,null,"20歲",null,"35歲",null,"65歲",null,null,"                          投保年齡\n  保單年度",null,null,"20歲",null,"35歲",null,"65歲"]
[null,null,null,null,"男","女","男","女","男","女",null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,0,0,0,0,0,0,null,1,null,null,0,0,0,0,0,0]
[null,2,null,null,0,0,5,5,5,5,null,2,null,null,0,0,9,8,9,10]
[null,3,null,null,0,0,5,3,5,5,null,3,null,null,3,8,10,8,11,12]
[null,4,null,null,0,0,4,2,4,4,null,4,null,null,2,6,10,6,11,13]
[null,5,null,null,0,0,2,2,2,2,null,5,null,null,2,5,9,6,10,12]
[null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)",null,10,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
[null,{"$f":"\"下列表格數值係指投保\"&BNLTRU1商品名稱&\"(15年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿人生美元定期壽險附約(15年期)，各保單年度末解約金與保險費之比例關係："},null,null,null,null,null,null,null,null,null,{"$f":"\"下列表格數值係指投保\"&BNLTRU1商品名稱&\"(20年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿人生美元定期壽險附約(20年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,"(單位：%)",null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                    投保年齡\n  保單年度",null,null,"20歲",null,"35歲",null,"65歲",null,null,"                          投保年齡\n  保單年度",null,null,"20歲",null,"35歲",null,"60歲"]
[null,null,null,null,"男","女","男","女","男","女",null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,0,0,0,0,0,0,null,1,null,null,0,0,0,0,0,0]
[null,2,null,null,4,10,13,9,13,15,null,2,null,null,11,8,16,11,15,18]
[null,3,null,null,8,13,16,11,16,19,null,3,null,null,10,16,21,14.000000000000002,20,24]
[null,4,null,null,6,10,16,11,17,20,null,4,null,null,11,12,22,16,22,26]
[null,5,null,null,6,11,16,10,18,21,null,5,null,null,12,13,23,16,23,27]
[null,10,null,null,5,5,10,7.0000000000000009,11,14.000000000000002,null,10,null,null,11,11,19,14.000000000000002,20,24]
[null,15,null,null,0,0,0,0,0,0,null,15,null,null,8,7.0000000000000009,11,7.0000000000000009,12,15]
[null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)",null,20,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
["2.","保費效益比公式如下："]
[]
["註1：",null,"CVm為第m保單年度之年末解約金。"]
["註2：",null,"GPt為第t保單年度之年繳保險費。"]
["註3：",null,"Endt為第t保單年度之生存保險金(本險無生存保險金，故值為0)。"]
["註4：",null,"m=1~5、10、15、20"]
["註5：",null,"i為113年度之十二個月臺灣銀行股份有限公司、第一商業銀行股份有限公司與合作金庫商業銀行股份有限公司每月初(每月第一個營業日)牌告之二年期定期儲蓄存款最高年利率之平均值(1.72%)。"]
["註6：",null,"Σ為加總之符號。"]
[]
["3.","上述保費效益比是依據主管機關規定，應揭露依被保險人性別，以至少三個主要年齡層之代表年齡計算之數值。"]

{"sheet":"保障明細表 - ADDNTR2附約","index":20,"n_rows":34,"n_cols":22,"rows_kept":34,"cut":false,"hidden":false,"merged":[[2,0,2,19],[8,0,8,13],[8,15,8,19],[9,0,9,13],[9,15,9,19],[25,1,25,19],[26,1,26,19],[20,1,20,19],[12,1,12,19],[13,1,13,19],[14,1,14,19],[16,1,16,19],[18,0,18,19],[33,1,33,19],[34,1,34,19],[35,1,35,19],[15,1,15,19],[17,1,17,19],[24,0,24,19],[27,1,27,19],[28,1,28,19],[29,1,29,19],[30,1,30,19],[31,1,31,19],[32,1,32,19],[19,1,19,19],[21,1,21,19],[22,1,22,19],[23,0,23,19]]}
[{"$f":"\"保障明細表\"","v":"保障明細表"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)&\"  \"","v":"列印日期：114/06/26  "}]
[]
[{"$f":"ADDNTR2商品名稱","v":"保誠人壽特安心一年期特定傷病美元健康保險附約"}]
[]
["投保對象：主被保險人",null,null,null,null,null,{"$f":"IF(AND(總檢核,ADDNTR2檢核),IF(OR(ADDNTR2附約保額=0,ADDNTR2附約保額=\"\"),\"投保金額：\",\"投保金額：\"&IF(AND(總檢核,ADDNTR2檢核),TEXT(ADDNTR2_SA,\"#,##0\"),\"\")&\"萬元(美元)\"),\"投保金額：\")","v":"投保金額："},null,null,null,null,{"$f":"IF(AND(總檢核,ADDNTR2檢核),IF(OR(ADDNTR2附約保額=0,ADDNTR2附約保額=\"\"),\"繳費年期：\",\"繳費年期：\"&ADDNTR2年期&\"年\"),\"繳費年期：\")","v":"繳費年期："},null,null,null,null,{"$f":"IF(AND(總檢核,ADDNTR2檢核),IF(OR(ADDNTR2附約保額=0,ADDNTR2附約保額=\"\"),\"保險期間：\",\"保險期間：\"&ADDNTR2年期&\"年\"),\"保險期間：\")","v":"保險期間："},null,null,null,null,"回資料輸入"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"(單位：\"&幣別&\"/元)\"","v":"(單位：美元/元)"}]
[]
["給付項目",null,null,null,null,null,null,null,null,null,null,null,null,null,null,"給付金額 (元)"]
["特定傷病保險金(註)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AND(總檢核,ADDNTR2檢核),IF(OR(ADDNTR2附約保額=0,ADDNTR2附約保額=\"\"),\"\",TEXT(ADDNTR2_SA*10000,\"#,##0\")), \"\")","v":""}]
[]
["註："]
["1.","被保險人於本附約有效期間內經醫師診斷確定第一次罹患符合保單條款約定任一「特定傷病」時，保誠人壽按「保險金額」給付「特定傷病保險金」，給付後本附約之效力即行終止。\n被保險人罹患二項以上保單條款約定之「特定傷病」者，保誠人壽僅給付一次「特定傷病保險金」。"]
["※","本附約所稱「特定傷病」係指被保險人自本附約生效日起持續有效30日(但「癌症(重度)」則為90日)以後或自復效日起第一次罹患，並經醫師診斷確定符合保單條款定義之特定傷病。但被保險人因遭受意外傷害事故致成之「特定傷病」不受前述等待期間之限制。續保者亦不受前述等待期間之限制；惟中途加保且加保之當年度附約生效日未滿前述等待期間續保者，則自附約加保生效日起受前述等待期間之限制。"]
["※","本附約保險期間為一年，保險期間屆滿時，要保人得依續保當時被保險人保險年齡交付續保保險費，以逐年使本附約繼續有效，本附約續保年齡最高以保險年齡85歲為限，保誠人壽不得拒絕續保；本附約為保證續保之保險商品，惟續保之保險費費率因被保險人年齡及當時依規定陳報主管機關之費率而有所變動。附約效力的終止請詳閱保單條款之說明。"]
["※","上表所列給付項目及內容僅摘錄重點，相關名詞定義、細節、給付限制請詳閱保單條款。"]
["※","本保險為不分紅保險單，不參加紅利分配，並無紅利給付項目。"]
["※","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
[]
["●",{"$f":"ADDNTR2商品名稱","v":"保誠人壽特安心一年期特定傷病美元健康保險附約"}]
[null,"商品備查文號：民國111年06月20日保誠總字第1110510號"]
[null,"逕行修訂文號：民國113年09月30日依金融監督管理委員會113年06月28日金管保壽字第11304207572號函修正"]
[null,"給付項目：特定傷病保險金"]
[]
["【注意事項】"]
["1.","投保後解約或不繼續繳費可能不利消費者，請慎選符合需求之保險商品。"]
["2.","保險契約各項權利義務皆詳列於保單條款，消費者務必詳加閱讀了解，並把握保單契約撤銷之時效(收到保單翌日起算十日內)。"]
["3.","本商品為以外幣收付之非投資型人身保險附約，不得與新臺幣收付之人身保險契約辦理契約轉換。"]
["4.","本商品保險費之收取或返還、給付各項保險金及其他款項收付之幣別，皆以美元為貨幣單位。要保人及受益人須留意美元在未來兌換成新臺幣將會因匯率不同，產生匯兌上的差異，此差異可能使要保人及受益人享有匯兌價差的收益或造成損失，要保人及受益人須自行承擔該部分之風險及該幣別所屬國家之政治、經濟變動風險。"]
["5.","本商品為保險商品，受人身保險安定基金保障，非屬存款，故不受存款保險之保障。"]
["6.","本商品經保誠人壽合格簽署人員檢視其內容業已符合一般精算原則及保險法令，惟為確保權益，基於保險公司與消費者衡平對等原則，消費者仍應詳加閱讀保險單條款與相關文件，審慎選擇保險商品。本商品如有虛偽不實或違法情事，應由保誠人壽及負責人依法負責。"]
["7.","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["8.","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高30%，最低7%，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線 0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
["9.","本商品係由保誠人壽提供並負擔基於保險契約所生之權利義務，與保誠人壽合作之各保險代理人或保險經紀人協助招攬及代收保費(含保險文件之轉交)，承保與否及保險給付之責任由保誠人壽負責，惟各保險代理人或保險經紀人並不因此而與保誠人壽成立合夥、委任或僱傭等任何關係。"]

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["豁免附約_給付說明",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
[{"$f":"BWPNTR1商品名稱&\"(\"&BWPNTR1商品代碼&\")\"","v":"保誠人壽豁元甲美元豁免保險費保險附約(BWPNTR1)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回資料輸入"]
[]
["給付項目",null,null,null,null,null,null,null,null,null,null,"說明"]
[]
["身故、完全失能豁免保險費",null,null,null,null,null,null,null,null,null,null,"本附約被保險人(註1)在本附約有效期間內身故或完全失能時，自身故或完全失能診斷確定日起，按下列方式豁免保險費："]
[null,null,null,null,null,null,null,null,null,null,null,"1.","退還按日數比例計算當期已繳付未到期保險費總和(包括主契約、本附約及附加於主契約之其他附約)。"]
[null,null,null,null,null,null,null,null,null,null,null,"2.","豁免爾後各期的保險費(包括主契約、本附約及附加於主契約之其他附約)至主契約繳費期滿日止。(註2)"]
[]
["二至六級失能豁免保險費",null,null,null,null,null,null,null,null,null,null,"本附約被保險人(註1)在本附約有效期間內致成保單條款附表二所列第二至第六級失能程度之一時，自失能診斷確定日起，按下列方式豁免保險費："]
[null,null,null,null,null,null,null,null,null,null,null,"1.","退還按日數比例計算當期已繳付未到期保險費總和(包括主契約、本附約及附加於主契約之其他附約)。"]
[null,null,null,null,null,null,null,null,null,null,null,"2.","豁免爾後各期的保險費(包括主契約、本附約及附加於主契約之其他附約)至主契約繳費期滿日止。(註2)"]
[]
["重大疾病豁免保險費",null,null,null,null,null,null,null,null,null,null,"本附約被保險人(註1)在本附約有效期間內第一次罹患下列重大疾病時，自診斷確定日起，按下列方式豁免保險費："]
[null,null,null,null,null,null,null,null,null,null,null,"1.","退還按日數比例計算當期已繳付未到期保險費總和(包括主契約、本附約及附加於主契約之其他附約)。"]
[null,null,null,null,null,null,null,null,null,null,null,"2.","豁免爾後各期的保險費(包括主契約、本附約及附加於主契約之其他附約)至主契約繳費期滿日止。(註2)"]
[null,null,null,null,null,null,null,null,null,null,null,"※","重大疾病:急性心肌梗塞(重度)、冠狀動脈繞道手術、末期腎病變、腦中風後障礙(重度)、癌症(重度)、癱瘓(重度)、重大器官移植或造血幹細胞移植。(註3)"]
[]
["註："]
["1.","本附約被保險人即主契約之「要保人」，且主契約之要、被保險人須為不同人。"]
["2.","本附約豁免保險費至主契約繳費期滿日止，於主契約繳費期滿日後，若有其他附約須再繳納保險費，請持續繳納以維持其他附約之效力。"]
["3.","本附約所稱「等待期間」係指本附約被保險人於本附約生效日起持續有效90日內罹患「重大疾病」，保誠人壽不負保險責任之期間。本附約所稱「重大疾病」係指被保險人自「等待期間」屆滿後第一次罹患，並經醫師診斷確定符合下列定義之疾病或傷害者。但被保險人因遭受意外傷害事故致成之「重大疾病」不受前述「等待期間」之限制：急性心肌梗塞(重度)、冠狀動脈繞道手術、末期腎病變、腦中風後障礙(重度)、癌症(重度)、癱瘓(重度)、重大器官移植或造血幹細胞移植。"]
["4.","豁免保險費後之約定："]
[null,"(1)","若主契約或其他附約同時或於其後終止，或其他附約不續保時，將自終止或不續保之日起至主契約繳費期滿日止之各期應繳保險費以年利率1.25%貼現計算一次給付予要保人。"]
[null,"(2)","若主契約或其他附約另有豁免保險費之約定，且同時或於其後發生其豁免保險費事故，將自主契約或其他附約豁免保險費之日起至主契約繳費期滿日止之各期應繳保險費以年利率1.25%貼現計算一次給付予要保人。"]
["※","本保險為不分紅保險單，不參加紅利分配，並無紅利給付項目。"]
["※","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
["※","人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。消費者如欲進一步參考實質課稅相關案例，請詳保誠人壽網站。"]
["※","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["※","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高38％，最低22％，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
[]
["●",{"$f":"BWPNTR1商品名稱","v":"保誠人壽豁元甲美元豁免保險費保險附約"}]
[null,"商品備查文號：民國107年08月30日保誠總字第1070395號"]
[null,"逕行修訂文號：民國113年09月30日依金融監督管理委員會113年06月28日金管保壽字第11304207572號函修正"]
[null,"給付項目：身故、完全失能、二至六級失能、重大疾病豁免保險費"]
[]
["保費效益比"]
[]
["1.",{"$f":"\"下列表格數值係指投保\"&BWPNTR1商品名稱&\"(6年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽豁元甲美元豁免保險費保險附約(6年期)，各保單年度末解約金與保險費之比例關係："},null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"下列表格數值係指投保\"&BWPNTR1商品名稱&\"(10年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽豁元甲美元豁免保險費保險附約(10年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,"(單位：%)",null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                            投保年齡\n  保單年度",null,null,null,"15歲",null,"35歲",null,"60歲",null,null,null,"                     投保年齡\n  保單年度",null,null,"15歲",null,"35歲",null,"60歲"]
[null,null,null,null,null,"男","女","男","女","男","女",null,null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,null,0,0,0,0,0,0,null,null,1,null,null,0,0,0,0,0,0]
[null,2,null,null,null,0,0,0,0,0,0,null,null,2,null,null,0,0,0,0,0,0]
[null,3,null,null,null,0,0,0,0,0,0,null,null,3,null,null,0,0,0,0,0,0]
[null,4,null,null,null,0,0,0,0,0,0,null,null,4,null,null,0,0,0,0,0,0]
[null,5,null,null,null,0,0,0,0,0,0,null,null,5,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)",null,null,10,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
[null,{"$f":"\"下列表格數值係指投保\"&BWPNTR1商品名稱&\"(15年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽豁元甲美元豁免保險費保險附約(15年期)，各保單年度末解約金與保險費之比例關係："},null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"下列表格數值係指投保\"&BWPNTR1商品名稱&\"(20年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽豁元甲美元豁免保險費保險附約(20年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,"(單位：%)",null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                            投保年齡\n  保單年度",null,null,null,"15歲",null,"35歲",null,"60歲",null,null,null,"                     投保年齡\n  保單年度",null,null,"15歲",null,"35歲",null,"55歲"]
[null,null,null,null,null,"男","女","男","女","男","女",null,null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,null,0,0,0,0,0,0,null,null,1,null,null,0,0,0,0,0,0]
[null,2,null,null,null,0,0,0,0,0,0,null,null,2,null,null,0,0,2,0,0,1]
[null,3,null,null,null,0,0,0,0,0,0,null,null,3,null,null,0,0,1,0,0,1]
[null,4,null,null,null,0,0,0,0,0,0,null,null,4,null,null,0,0,0,0,0,1]
[null,5,null,null,null,0,0,0,0,0,0,null,null,5,null,null,0,0,0,0,0,1]
[null,10,null,null,null,0,0,0,0,0,0,null,null,10,null,null,0,0,0,0,0,0]
[null,15,null,null,null,0,0,0,0,0,0,null,null,15,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)",null,null,20,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
["2.","保費效益比公式如下："]
[]
["註1：",null,"CVm為第m保單年度之年末解約金。"]
["註2：",null,"GPt為第t保單年度之年繳保險費。"]
["註3：",null,"Endt為第t保單年度之生存保險金(本險無生存保險金，故值為0)。"]
["註4：",null,"m=1~5、10、15、20"]
["註5：",null,"i為113年度之十二個月臺灣銀行股份有限公司、第一商業銀行股份有限公司與合作金庫商業銀行股份有限公司每月初(每月第一個營業日)牌告之二年期定期儲蓄存款最高年利率之平均值(1.72%)。"]
["註6：",null,"Σ為加總之符號。"]
[]
["3.","上述保費效益比是依據主管機關規定，應揭露依被保險人性別，以至少三個主要年齡層之代表年齡計算之數值。"]

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["豁免附約_給付說明",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
[{"$f":"BWPNTR2商品名稱&\"(\"&BWPNTR2商品代碼&\")\"","v":"保誠人壽豁元乙美元豁免保險費健康保險附約(BWPNTR2)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回資料輸入"]
[]
["給付項目",null,null,null,null,null,null,null,null,null,null,"說明"]
[]
["重大疾病豁免保險費",null,null,null,null,null,null,null,null,null,null,"本附約被保險人(註1)在本附約有效期間內第一次罹患下列重大疾病時，自診斷確定日起，按下列方式豁免保險費："]
[null,null,null,null,null,null,null,null,null,null,null,"1.","退還按日數比例計算當期已繳付未到期保險費總和(包括主契約、本附約及附加於主契約之其他附約)。"]
[null,null,null,null,null,null,null,null,null,null,null,"2.","豁免爾後各期的保險費(包括主契約、本附約及附加於主契約之其他附約)至主契約繳費期滿日止。(註2)"]
[null,null,null,null,null,null,null,null,null,null,null,"※","重大疾病:急性心肌梗塞(重度)、冠狀動脈繞道手術、末期腎病變、腦中風後障礙(重度)、癌症(重度)、癱瘓(重度)、重大器官移植或造血幹細胞移植。(註3)"]
[]
["註："]
["1.","本附約被保險人即主契約之「要保人」，且主契約之要、被保險人須為同一人。"]
["2.","本附約豁免保險費至主契約繳費期滿日止，於主契約繳費期滿日後，若有其他附約須再繳納保險費，請持續繳納以維持其他附約之效力。"]
["3.","本附約所稱「等待期間」係指本附約被保險人於本附約生效日起持續有效90日內罹患「重大疾病」，保誠人壽不負保險責任之期間。本附約所稱「重大疾病」係指被保險人自「等待期間」屆滿後第一次罹患，並經醫師診斷確定符合下列定義之疾病或傷害者。但被保險人因遭受意外傷害事故致成之「重大疾病」不受前述「等待期間」之限制：急性心肌梗塞(重度)、冠狀動脈繞道手術、末期腎病變、腦中風後障礙(重度)、癌症(重度)、癱瘓(重度)、重大器官移植或造血幹細胞移植。"]
["4.","豁免保險費後之約定："]
[null,"(1)","若主契約或其他附約同時或於其後終止，或其他附約不續保時，將自終止或不續保之日起至主契約繳費期滿日止之各期應繳保險費以年利率1.25%貼現計算一次給付予要保人。"]
[null,"(2)","若主契約或其他附約另有豁免保險費之約定，且同時或於其後發生其豁免保險費事故，將自主契約或其他附約豁免保險費之日起至主契約繳費期滿日止之各期應繳保險費以年利率1.25%貼現計算一次給付予要保人。"]
["※","本保險為不分紅保險單，不參加紅利分配，並無紅利給付項目。"]
["※","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
["※","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["※","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高24％，最低21％，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
[]
["●",{"$f":"BWPNTR2商品名稱","v":"保誠人壽豁元乙美元豁免保險費健康保險附約"}]
[null,"商品備查文號：民國107年08月30日保誠總字第1070396號"]
[null,"逕行修訂文號：民國113年09月30日依金融監督管理委員會113年06月28日金管保壽字第11304207572號函修正"]
[null,"給付項目：重大疾病豁免保險費"]

{"sheet":"保障明細表 - CWPNTR3豁免附約(甲)","index":23,"n_rows":94,"n_cols":24,"rows_kept":94,"cut":false,"hidden":false,"merged":[[52,13,52,15],[53,13,53,15],[57,13,57,21],[59,13,60,15],[59,16,59,17],[59,18,59,19],[59,20,59,21],[80,1,80,4],[66,13,66,15],[67,13,67,15],[54,13,54,15],[61,13,61,15],[52,1,52,4],[53,1,53,4],[54,1,54,4],[62,13,62,15],[63,13,63,15],[64,13,64,15],[65,13,65,15],[79,1,79,4],[72,9,72,10],[74,1,74,4],[75,1,75,4],[76,1,76,4],[91,0,91,1],[91,2,91,21],[93,1,93,21],[88,0,88,1],[88,2,88,21],[89,0,89,1],[89,2,89,21],[90,0,90,1],[90,2,90,21],[84,1,84,21],[85,1,85,21],[86,0,86,1],[86,2,86,21],[87,0,87,1],[87,2,87,21],[57,1,57,10],[59,1,60,4],[59,5,59,6],[59,7,59,8],[59,9,59,10],[61,1,61,4],[62,1,62,4],[63,1,63,4],[64,1,64,4],[65,1,65,4],[66,1,66,4],[70,1,70,10],[72,1,73,4],[72,5,72,6],[72,7,72,8],[81,1,81,4],[77,1,77,4],[78,1,78,4],[47,9,47,10],[47,18,47,19],[47,20,47,21],[49,1,49,4],[50,1,50,4],[51,1,51,4],[38,1,38,4],[38,13,38,15],[39,1,39,4],[39,13,39,15],[40,1,40,4],[40,13,40,15],[41,13,41,15],[42,13,42,15],[45,1,45,10],[45,13,45,21],[47,13,48,15],[47,16,47,17],[49,13,49,15],[50,13,50,15],[51,13,51,15],[47,1,48,4],[47,5,47,6],[47,7,47,8],[34,1,34,10],[34,13,34,21],[36,1,37,4],[36,5,36,6],[36,7,36,8],[36,9,36,10],[36,13,37,15],[36,16,36,17],[36,18,36,19],[36,20,36,21],[18,2,18,21],[19,2,19,21],[21,1,21,21],[20,1,20,21],[30,1,30,21],[22,1,22,21],[23,1,23,21],[24,1,24,21],[26,1,26,21],[27,1,27,21],[29,1,29,21],[28,1,28,21],[9,0,9,10],[9,11,9,21],[10,0,12,10],[10,11,10,21],[11,12,11,21],[12,12,12,21],[15,1,15,21],[16,1,16,21],[17,1,17,21],[2,0,2,21],[4,0,4,10],[4,11,4,21],[5,0,5,10],[5,11,5,21],[6,0,8,10],[6,11,6,21],[7,12,7,21],[8,12,8,21]]}
["豁免附約_給付說明",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
[{"$f":"BWPNTR3商品名稱&\"(\"&BWPNTR3商品代碼&\")\"","v":"保誠人壽美滿美元豁免保險費保險附約甲型(CWPNTR3)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回資料輸入"]
[]
["給付項目",null,null,null,null,null,null,null,null,null,null,"說明"]
[]
["身故、完全失能豁免保險費",null,null,null,null,null,null,null,null,null,null,"本附約被保險人(註1)在本附約有效期間內身故或完全失能時，自身故或完全失能診斷確定日起，按下列方式豁免保險費："]
[null,null,null,null,null,null,null,null,null,null,null,"1.","退還按日數比例計算當期已繳付未到期保險費總和(包括主契約、本附約及附加於主契約之其他附約)。"]
[null,null,null,null,null,null,null,null,null,null,null,"2.","豁免爾後各期的保險費(包括主契約、本附約及附加於主契約之其他附約)至主契約繳費期滿日止。(註2)"]
[]
["二至六級失能豁免保險費",null,null,null,null,null,null,null,null,null,null,"本附約被保險人(註1)在本附約有效期間內致成保單條款附表二所列第二至第六級失能程度之一，自失能診斷確定日起，按下列方式豁免保險費："]
[null,null,null,null,null,null,null,null,null,null,null,"1.","退還按日數比例計算當期已繳付未到期保險費總和(包括主契約、本附約及附加於主契約之其他附約)。"]
[null,null,null,null,null,null,null,null,null,null,null,"2.","豁免爾後各期的保險費(包括主契約、本附約及附加於主契約之其他附約)至主契約繳費期滿日止。(註2)"]
[]
["註："]
["1.","本附約被保險人即主契約之「要保人」，且主契約之要、被保險人須為不同人。"]
["2.","本附約豁免保險費至主契約繳費期滿日止，於主契約繳費期滿日後，若有其他附約須再繳納保險費，請持續繳納以維持其他附約之效力。"]
["3.","豁免保險費後之約定："]
[null,"(1)","若主契約或其他附約同時或於其後終止，或其他附約不續保時，將自終止或不續保之日起至主契約繳費期滿日止之各期應繳保險費以年利率1%貼現計算一次給付予要保人。"]
[null,"(2)","若主契約或其他附約另有豁免保險費之約定，且同時或於其後發生其豁免保險費事故，將自主契約或其他附約豁免保險費之日起至主契約繳費期滿日止之各期應繳保險費以年利率1%貼現計算一次給付予要保人。"]
["※","本保險為不分紅保險單，不參加紅利分配，並無紅利給付項目。"]
["※","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
["※","人壽保險之死亡給付及年金保險之確定年金給付於被保險人死亡後給付於指定受益人者，依保險法第一百十二條規定不得作為被保險人之遺產，惟如涉有規避遺產稅等稅捐情事者，稽徵機關仍得依據有關稅法規定或納稅者權利保護法第七條所定實質課稅原則辦理。消費者如欲進一步參考實質課稅相關案例，請詳保誠人壽網站。"]
["※","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["※","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高24％，最低22％，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
[]
["●",{"$f":"BWPNTR3商品名稱","v":"保誠人壽美滿美元豁免保險費保險附約甲型"}]
[null,"商品備查文號：民國108年07月23日保誠總字第1080447號"]
[null,"商品備查文號：民國114年01月01日保誠總字第1140050號"]
[null,"逕行修訂文號：民國113年09月30日依金融監督管理委員會113年06月28日金管保壽字第11304207572號函修正"]
[null,"給付項目：身故、完全失能、二至六級失能豁免保險費"]
[]
["保費效益比"]
[]
["1.",{"$f":"\"下列表格數值係指投保\"&BWPNTR3商品名稱&\"(3年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿美元豁免保險費保險附約甲型(3年期)，各保單年度末解約金與保險費之比例關係："},null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"下列表格數值係指投保\"&BWPNTR3商品名稱&\"(6年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿美元豁免保險費保險附約甲型(6年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,"(單位：%)",null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                            投保年齡\n  保單年度",null,null,null,"15歲",null,"35歲",null,"65歲",null,null,null,"                     投保年齡\n  保單年度",null,null,"15歲",null,"35歲",null,"65歲"]
[null,null,null,null,null,"男","女","男","女","男","女",null,null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,null,0,0,0,0,0,0,null,null,1,null,null,0,0,0,0,0,0]
[null,2,null,null,null,0,0,0,0,0,0,null,null,2,null,null,0,0,0,0,0,0]
[null,3,null,null,null,0,0,0,0,0,0,null,null,3,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)",null,null,4,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,5,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
[null,{"$f":"\"下列表格數值係指投保\"&BWPNTR3商品名稱&\"(8年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿美元豁免保險費保險附約甲型(8年期)，各保單年度末解約金與保險費之比例關係："},null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"下列表格數值係指投保\"&BWPNTR3商品名稱&\"(10年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿美元豁免保險費保險附約甲型(10年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,"(單位：%)",null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                            投保年齡\n  保單年度",null,null,null,"15歲",null,"35歲",null,"65歲",null,null,null,"                     投保年齡\n  保單年度",null,null,"15歲",null,"35歲",null,"65歲"]
[null,null,null,null,null,"男","女","男","女","男","女",null,null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,null,0,0,0,0,0,0,null,null,1,null,null,0,0,0,0,0,0]
[null,2,null,null,null,0,0,0,0,0,0,null,null,2,null,null,0,0,0,0,0,0]
[null,3,null,null,null,0,0,0,0,0,0,null,null,3,null,null,0,0,0,0,0,0]
[null,4,null,null,null,0,0,0,0,0,0,null,null,4,null,null,0,0,0,0,0,0]
[null,5,null,null,null,0,0,0,0,0,0,null,null,5,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)",null,null,10,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
[null,{"$f":"\"下列表格數值係指投保\"&BWPNTR3商品名稱&\"(12年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿美元豁免保險費保險附約甲型(12年期)，各保單年度末解約金與保險費之比例關係："},null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"下列表格數值係指投保\"&BWPNTR3商品名稱&\"(15年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿美元豁免保險費保險附約甲型(15年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,"(單位：%)",null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                            投保年齡\n  保單年度",null,null,null,"15歲",null,"35歲",null,"64歲",null,null,null,"                     投保年齡\n  保單年度",null,null,"15歲",null,"35歲",null,"61歲"]
[null,null,null,null,null,"男","女","男","女","男","女",null,null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,null,0,0,0,0,0,0,null,null,1,null,null,0,0,0,0,0,0]
[null,2,null,null,null,0,0,0,0,0,0,null,null,2,null,null,0,0,0,0,0,0]
[null,3,null,null,null,0,0,0,0,0,0,null,null,3,null,null,0,0,0,0,0,0]
[null,4,null,null,null,0,0,0,0,0,0,null,null,4,null,null,0,0,0,0,0,0]
[null,5,null,null,null,0,0,0,0,0,0,null,null,5,null,null,0,0,0,0,0,0]
[null,10,null,null,null,0,0,0,0,0,0,null,null,10,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)",null,null,15,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
[null,{"$f":"\"下列表格數值係指投保\"&BWPNTR3商品名稱&\"(20年期)，各保單年度末解約金與保險費之比例關係：\"","v":"下列表格數值係指投保保誠人壽美滿美元豁免保險費保險附約甲型(20年期)，各保單年度末解約金與保險費之比例關係："}]
[null,null,null,null,null,null,null,null,null,null,"(單位：%)"]
[null,"                            投保年齡\n  保單年度",null,null,null,"15歲",null,"35歲",null,"56歲"]
[null,null,null,null,null,"男","女","男","女","男","女"]
[null,1,null,null,null,0,0,0,0,0,0]
[null,2,null,null,null,0,0,0,0,0,3]
[null,3,null,null,null,0,0,0,0,0,3]
[null,4,null,null,null,0,0,0,0,0,2]
[null,5,null,null,null,0,0,0,0,0,1]
[null,10,null,null,null,0,0,0,0,0,0]
[null,15,null,null,null,0,0,0,0,0,0]
[null,20,null,null,null,0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,"(上表顯示早期解約對保戶不利)"]
[]
["2.","保費效益比公式如下："]
[]
["註1：",null,"CVm為第m保單年度之年末解約金。"]
["註2：",null,"GPt為第t保單年度之年繳保險費。"]
["註3：",null,"Endt為第t保單年度之生存保險金(本險無生存保險金，故值為0)。"]
["註4：",null,"m=1~5、10、15、20"]
["註5：",null,"i為113年度之十二個月臺灣銀行股份有限公司、第一商業銀行股份有限公司與合作金庫商業銀行股份有限公司每月初(每月第一個營業日)牌告之二年期定期儲蓄存款最高年利率之平均值(1.72%)。"]
["註6：",null,"Σ為加總之符號。"]
[]
["3.","上述保費效益比是依據主管機關規定，應揭露依被保險人性別，以至少三個主要年齡層之代表年齡計算之數值。"]

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["豁免附約_給付說明",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"\"列印日期：\"&YEAR(TODAY())-1911&\"/\"&RIGHT(\"0\"&MONTH(TODAY()),2)&\"/\"&RIGHT(\"0\"&DAY(TODAY()),2)","v":"列印日期：114/06/26"}]
[]
[{"$f":"BWPNTR4商品名稱&\"(\"&BWPNTR4商品代碼&\")\"","v":"保誠人壽美滿美元豁免保險費健康保險附約乙型(CWPNTR4)"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"回資料輸入"]
[]
["給付項目",null,null,null,null,null,null,null,null,null,null,"說明"]
[]
["二至六級失能豁免保險費",null,null,null,null,null,null,null,null,null,null,"本附約被保險人(註1)在本附約有效期間內致成保單條款附表一所列第二至第六級失能程度之一，自失能診斷確定日起，按下列方式豁免保險費："]
[null,null,null,null,null,null,null,null,null,null,null,"1.","退還按日數比例計算當期已繳付未到期保險費總和(包括主契約、本附約及附加於主契約之其他附約)。"]
[null,null,null,null,null,null,null,null,null,null,null,"2.","豁免爾後各期的保險費(包括主契約、本附約及附加於主契約之其他附約)至主契約繳費期滿日止。(註2)"]
[]
["註："]
["1.","本附約被保險人即主契約之「要保人」，且主契約之要、被保險人須為同一人。"]
["2.","本附約豁免保險費至主契約繳費期滿日止，於主契約繳費期滿日後，若有其他附約須再繳納保險費，請持續繳納以維持其他附約之效力。"]
["3.","豁免保險費後之約定："]
[null,"(1)","若主契約或其他附約於其後終止，或其他附約不續保時，將自終止或不續保之日起至主契約繳費期滿日止之各期應繳保險費以年利率1%貼現計算一次給付予要保人。"]
[null,"(2)","若主契約或其他附約另有豁免保險費之約定，且同時或於其後發生其豁免保險費事故，將自主契約或其他附約豁免保險費之日起至主契約繳費期滿日止之各期應繳保險費以年利率1%貼現計算一次給付予要保人。"]
["※","本保險為不分紅保險單，不參加紅利分配，並無紅利給付項目。"]
["※","受益人申領保險給付時，依保單條款之約定，保誠人壽於需要時得參據醫學專業意見，或對被保險人的身體予以檢驗，以作為理賠審核之依據。"]
["※","本商品於銷售65歲(含)以上之高齡客戶(要保人、被保險人或繳費人)時，為充分了解高齡客戶特性，若評估結果顯示其不具有辨識不利投保權益之能力或投保保險商品不適合，保誠人壽得不予承保，核保與否依保誠人壽最終核保結果為準。"]
["※","消費者於購買本商品前，應詳閱各種銷售文件內容，本商品之預定費用率(預定附加費用率)最高24％，最低20％，如要詳細了解其他相關資訊，請洽保誠人壽總公司(地址：台北市信義區松智路1號8樓，免付費客戶服務/申訴專線0809-0809-68)或(網址 http://www.pcalife.com.tw)，以保障您的權益。"]
[]
["●",{"$f":"BWPNTR4商品名稱","v":"保誠人壽美滿美元豁免保險費健康保險附約乙型"}]
[null,"商品備查文號：民國108年07月23日保誠總字第1080448號"]
[null,"商品備查文號：民國114年01月01日保誠總字第1140051號"]
[null,"逕行修訂文號：民國113年09月30日依金融監督管理委員會113年06月28日金管保壽字第11304207572號函修正"]
[null,"給付項目：二至六級失能豁免保險費"]

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[]
[null,"總檢核"]
[null,{"$f":"AND(C7=1,G7=1,C12=1,G12=1,C18=1,G18=1,K7=1,K12=1,C15=1,K14=1,BNLTRU1檢核,ADDNTR2檢核)","v":true}]
[]
[null,"基本檢核項目"]
[null,"【要保人】資訊檢核",null,null," ","【被保人】資訊檢核",null,null,null,"【繳款人】資訊檢核"]
[null,"生日檢核",{"$f":"IF(要保人身分=\"與被保險人為「同一人」\",1,MAX(C8:C10))","v":1},null," ","生日檢核",{"$f":"MAX(G8:G10)","v":1},null," ","生日檢核",{"$f":"IF(OR(繳款人身分=\"與被保險人為「同一人」\",繳款人身分=\"與要保人為「同一人」\"),1,MAX(K8:K10))","v":1}]
[null,"▲ 生日格式",{"$f":"IF(ISERROR(要保人生日),2,IF(要保人日月檢核,1,2))","v":1},{"$f":"IF(要保人生日6碼=\"\",\"◆請輸入要保人生日！\n\",\"◆要保人生日格式錯誤，Ex:880101或1021212！\n\")","v":"◆要保人生日格式錯誤，Ex:880101或1021212！\n"}," ","▲ 生日格式",{"$f":"IF(ISERROR(被保人生日),2,IF(被保人日月檢核,1,2))","v":1},{"$f":"IF(被保人生日6碼=\"\",\"◆請輸入被保人生日！\n\",\"◆被保人生日格式錯誤，Ex:880101或1021212！\n\")","v":"◆被保人生日格式錯誤，Ex:880101或1021212！\n"}," ","▲ 生日格式",{"$f":"IF(ISERROR(繳款人生日),2,IF(繳款人日月檢核,1,2))","v":1},{"$f":"IF(繳款人生日6碼=\"\",\"◆請輸入繳款人生日！\n\",\"◆繳款人生日格式錯誤，Ex:880101或1021212！\n\")","v":"◆繳款人生日格式錯誤，Ex:880101或1021212！\n"}]
[null,"▲ 承保年齡",{"$f":"IF(ISERROR(要保人生日),2,IF(AND(要保人足歲年齡>=0,要保人保險年齡>=要保人最小保險年齡,要保人保險年齡<=要保人最大保險年齡-1),1,3))","v":1},{"$f":"\"◆要保人承保年齡為\"&要保人最小保險年齡&\"~99歲！\n\"","v":"◆要保人承保年齡為0~99歲！\n"}," ","▲ 承保年齡",{"$f":"IF(ISERROR(被保人生日),2,IF(OR(被保人足歲年齡<被保人最小保險年齡,被保人保險年齡>被保人最大投保年齡),3, 1))","v":1},{"$f":"\"◆被保人承保年齡為\"&被保人最小投保年齡&\"~\"&被保人最大投保年齡&\"歲！\n\"","v":"◆被保人承保年齡為0~75歲！\n"}," ","▲ 承保年齡",1,{"$f":"\"◆繳款人承保年齡為0~99歲！\n\"","v":"◆繳款人承保年齡為0~99歲！\n"}]
[null,"▲ 未來日",{"$f":"IF(ISERROR(要保人生日),\"\",IF(要保人足歲年齡<0,4,1))","v":1},{"$f":"\"◆要保人生日不得為未來日！\n\"","v":"◆要保人生日不得為未來日！\n"}," ","▲ 未來日",{"$f":"IF(G8<>1,1,IF(被保人足歲年齡<0,4,1))","v":1},{"$f":"\"◆被保人生日不得為未來日！\n\"","v":"◆被保人生日不得為未來日！\n"}," ","▲ 未來日",{"$f":"IF(K8<>1,1,IF(繳款人足歲年齡<0,4,1))","v":1},{"$f":"\"◆繳款人生日不得為未來日！\n\"","v":"◆繳款人生日不得為未來日！\n"}]
[]
[null,"資訊檢核",{"$f":"IF(要保人身分=\"與被保險人為「同一人」\",1,MAX(C13:C15))","v":1},null,null,"資訊檢核",{"$f":"MAX(G13:G14)","v":1},null,null,"資訊檢核",{"$f":"IF(OR(繳款人身分=\"與被保險人為「同一人」\",繳款人身分=\"與要保人為「同一人」\"),1,MAX(K13:K14))","v":1}]
[null,"▲ 姓名輸入",{"$f":"IF(OR(要保人身分=\"與被保險人為「同一人」\",要保人身分=\"\"),1,IF(要保人<>\"\",1,2))","v":1},{"$f":"\"◆請輸入要保人姓名！\n\"","v":"◆請輸入要保人姓名！\n"}," ","▲ 姓名輸入",{"$f":"IF(被保人<>\"\",1,2)","v":1},{"$f":"\"◆請輸入被保人姓名！\n\"","v":"◆請輸入被保人姓名！\n"}," ","▲ 姓名輸入",{"$f":"IF(OR(繳款人身分=\"與被保險人為「同一人」\",繳款人身分=\"與要保人為「同一人」\",繳款人身分=\"\"),1,IF(繳款人<>\"\",1,2))","v":1},{"$f":"\"◆請輸入繳款人姓名！\n\"","v":"◆請輸入繳款人姓名！\n"}]
[null,"▲ 性別輸入",{"$f":"IF(OR(要保人身分=\"與被保險人為「同一人」\",要保人身分=\"\"),1,IF(要保人性別=\"\",3,1))","v":1},{"$f":"\"◆請選擇要保人性別！\n\"","v":"◆請選擇要保人性別！\n"}," ","▲ 性別輸入",{"$f":"IF(被保人性別=\"\",3,1)","v":1},{"$f":"\"◆請選擇被保人性別！\n\"","v":"◆請選擇被保人性別！\n"}," ","▲ 身分辨識",{"$f":"IF(繳款人身分=\"\",3,1)","v":1},{"$f":"\"◆請選擇繳款人身分！\n\"","v":"◆請選擇繳款人身分！\n"}]
[null,"▲ 身分辨識",{"$f":"IF(要保人身分=\"\",4,1)","v":1},{"$f":"\"◆請選擇要保人身分！\n\"","v":"◆請選擇要保人身分！\n"}]
[]
[null,"【保額/保費】資訊檢核",null,null," ","【其他輸入欄位】資訊檢核",null,null," ","生日總檢核",{"$f":"AND(C7=1,G7=1,K7=1,C12=1,G12=1,K12=1,C15=1,K14=1)","v":true}]
[null,"保額保費金額",{"$f":"MAX(C19:C21)","v":1},null," ","其他必要資訊",{"$f":"MAX(G19:G25)","v":1},null," "]
[null,"▲ 保額限制",{"$f":"IF(ISERROR(被保人保險年齡),1,IF(ISERROR(主約保險金額),1,IF(AND(主約保險金額>=最低保額,主約保險金額<=最高保額),1,2)))","v":1},{"$f":"IF(ISERROR(最大推估保險金額),\"\",IF(AND(計算方式=\"主約保費試算保額\",最大推估保險金額=\"error\"),\"◆輸入保費無對應之保額，請調整保費金額!\n\",IF(幣別=\"美元\",\"◆保額低於或超出投保限制，保額限制：\"&TEXT(最低保額,\"#,##0\")&\"~\"&TEXT(最高保額,\"#,##0\")&\"美元！\n\",IF(幣別=\"人民幣\",\"◆保額低於或超出投保限制，保額限制：人民幣\"&TEXT(最低保額,\"#,##0\")&\"~\"&TEXT(最高保額,\"#,##0\")&\"元！\n\",\"◆保額低於或超出投保限制，保額限制：\"&TEXT(最低保額,\"#,##0\")&\"~\"&TEXT(最高保額,\"#,##0\")&\"元！\n\"))))","v":"◆保額低於或超出投保限制，保額限制：10,000~2,500,000美元！\n"}," ","▲ 繳別輸入",{"$f":"IF(繳別=\"\",2,1)","v":1},{"$f":"\"◆請選擇繳別。\n\"","v":"◆請選擇繳別。\n"}," "]
[null,"▲ 增加單位",{"$f":"IF(保額=\"\",3,IF(ISERROR(被保人保險年齡),1,IF(ISERROR(主約保險金額),1,IF(MOD(主約保險金額,保額單位數值)=0,1,3))))","v":1},{"$f":"\"◆保額請以\"&保額單位&\"為單位！\n\"","v":"◆保額請以元為單位！\n"}," ","▲ 計算方式輸入",{"$f":"IF(計算方式=\"\",3,1)","v":1},{"$f":"\"◆請選擇以「保費」或「保額」進行試算\n\"","v":"◆請選擇以「保費」或「保額」進行試算\n"}," "]
[null,"▲ 金額輸入",{"$f":"IF(生日檢核,IF(AND(G19=1,G20=1),IF(OR(ISERROR(主約保險金額),保額=\"\"),4,1),1),1)","v":1},{"$f":"\"◆請輸入正確「保額」或「預計年繳保費」！\n\"","v":"◆請輸入正確「保額」或「預計年繳保費」！\n"}," ","▲ 職業等級輸入",{"$f":"IF(職業等級=\"\",4,1)","v":1},{"$f":"\"◆請選擇職業等級！\n\"","v":"◆請選擇職業等級！\n"}," "]
[null,"▲ 高保費折扣",{"$f":"IF(總檢核,IF(OR(高保額訊息判斷),2,1),1)","v":1},{"$f":"\"◆表定保險費以元計價回推保額出現取位誤差，「請提高保額」以享高保費折扣。\n\"","v":"◆表定保險費以元計價回推保額出現取位誤差，「請提高保額」以享高保費折扣。\n"}," ","▲ 首期繳費方式",{"$f":"IF(首期繳費方式=\"\",5,1)","v":1},{"$f":"\"◆請選擇首期繳費方式！\n\"","v":"◆請選擇首期繳費方式！\n"}]
[null,"▲ 保費換算保額",{"$f":"IF(總檢核,IF(OP!B59=\"主約保費試算保額\",IF(AND(紅利給付方式=\"年繳\",Premium<>保額),2,1),1),1)","v":1},{"$f":"\"◆試算後依據主約保險金額調整保費，實際繳交保費請參照投保(折扣後)首期總保費之欄位數值。\n\"","v":"◆試算後依據主約保險金額調整保費，實際繳交保費請參照投保(折扣後)首期總保費之欄位數值。\n"}," ","▲ 續期繳費方式",{"$f":"IF(續期繳費方式=\"\",6,1)","v":1},{"$f":"\"◆請選擇續期繳費方式！\n\"","v":"◆請選擇續期繳費方式！\n"}," "]
[null,"▲ 豁免承保對象",{"$f":"IF(豁免附約檢核,IF(OR(豁免附約一是否附加=\"附加\",豁免附約二是否附加=\"附加\"),IF(AND(要保人身分=\"與被保險人為「不同一人」\",AND(要保人=被保人,要保人性別=被保人性別,要保人生日6碼=被保人生日6碼)),TRUE,FALSE),FALSE),FALSE)","v":false},{"$f":"\"◆請確認要、被保人是否為「同一人」！\n\"","v":"◆請確認要、被保人是否為「同一人」！\n"},null,"▲ 繳費年期輸入",{"$f":"IF(主約繳費年期=\"\",7,1)","v":1},{"$f":"\"◆請選擇主約繳費年期。\n\"","v":"◆請選擇主約繳費年期。\n"}]
[null,null,null,null,null,"▲ 體檢匯率輸入",{"$f":"IF(體檢保額估算匯率=\"\",8,1)","v":1},{"$f":"\"◆請填寫體檢保額估算匯率！\n\"","v":"◆請填寫體檢保額估算匯率！\n"}]
[]
[null,"附約檢核項目"]
[null,"【美滿定期】資訊檢核",null,null,null,"【特安心】資訊檢核",null,null,null,"【豁免附約】資訊檢核"]
[null,{"$f":"AND(AND(C29=1,C33=1),C34=1)","v":true},{"$f":"MAX(C30:C32)","v":1},null," ",{"$f":"G29=1","v":true},{"$f":"MAX(G30:G32)","v":1},null," ",{"$f":"K29=1","v":true},{"$f":"MAX(K30:K34)","v":1},null," "]
[null,"▲ 保額空白",{"$f":"IF(BNLTRU1附約年期<>\"\",IF(OR(BNLTRU1附約保額=\"\",BNLTRU1附約保額=0),2,IF(ISNUMBER(BNLTRU1附約保額),1,2)),\"\")","v":""},{"$f":"\"◆美滿人生定期附約保額請輸入範圍內金額！\n\"","v":"◆美滿人生定期附約保額請輸入範圍內金額！\n"}," ","▲ 年齡檢核",{"$f":"IF(ADDNTR2附約保額=\"\",1,IF(ISERROR(被保人保險年齡),1,IF(OR(被保人保險年齡<ADDNTR2最小投保年齡,被保人保險年齡>ADDNTR2最大投保年齡),2,1)))","v":1},{"$f":"\"◆特安心一年期特定傷病美元健康保險附約投保年齡為\"&ADDNTR2最小投保年齡&\"~\"&ADDNTR2最大投保年齡&\"歲！\n\"","v":"◆特安心一年期特定傷病美元健康保險附約投保年齡為0~70歲！\n"}," ","▲ BWPNTR1 2 ",{"$f":"IF(總檢核,IF(AND(豁免附約一是否附加=\"附加\",K32=1),IF(ISERROR(要保人生日),1,IF(豁免附約一=BWPNTR1商品名稱,IF(AND(要保人足歲年齡>=BWPNTR1最小投保年齡,要保人保險年齡<=BWPNTR1最大投保年齡),1,2),IF(AND(要保人足歲年齡>=BWPNTR2最小投保年齡,要保人保險年齡<=BWPNTR2最大投保年齡),1,2))),1),1)","v":1},{"$f":"IF(豁免附約一=BWPNTR1商品名稱,\"◆豁元甲美元豁免保險費保險附約投保年齡為\"&BWPNTR1最小投保年齡&\"足~\"&BWPNTR1最大投保年齡&\"歲！\n\",\"◆豁元乙美元豁免保險費保險附約投保年齡為\"&BWPNTR2最小投保年齡&\"足~\"&BWPNTR2最大投保年齡&\"歲！\n\")","v":"◆豁元乙美元豁免保險費保險附約投保年齡為15足~60歲！\n"}," "]
[null,"▲ 保額限制",{"$f":"IF(AND(BNLTRU1附約保額>=BNLTRU1最低保額,BNLTRU1附約保額<=BNLTRU1最高保額),1,IF(OR(BNLTRU1附約保額=\"\",BNLTRU1附約保額=0),1,3))","v":1},{"$f":"\"◆美滿人生定期附約保額請輸入範圍內金額，以壽險主約保額之5倍為限！\n\"","v":"◆美滿人生定期附約保額請輸入範圍內金額，以壽險主約保額之5倍為限！\n"}," ","▲ 保額限制",{"$f":"IF(AND(ADDNTR2附約保額>=ADDNTR2最低保額,ADDNTR2附約保額<=ADDNTR2最高保額),1,IF(OR(ADDNTR2附約保額=\"\",ADDNTR2附約保額=0),1,3))","v":1},{"$f":"\"◆特安心一年期特定傷病美元健康保險附約保額請輸入範圍內金額！\n\"","v":"◆特安心一年期特定傷病美元健康保險附約保額請輸入範圍內金額！\n"}," ","▲ BWPNTR3 4",{"$f":"IF(總檢核,IF(AND(豁免附約二是否附加=\"附加\",K33=1),IF(ISERROR(要保人生日),1,IF(豁免附約二=BWPNTR3商品名稱,IF(AND(要保人足歲年齡>=BWPNTR3最小投保年齡,要保人保險年齡<=BWPNTR3最大投保年齡),1,2),IF(AND(要保人保險年齡>=BWPNTR4最小投保年齡,要保人保險年齡<=BWPNTR4最大投保年齡),1,2))),1),1)","v":1},{"$f":"IF(豁免附約二=BWPNTR3商品名稱,\"◆美滿美元豁免保險費保險附約甲型投保年齡為\"&BWPNTR3最小投保年齡&\"足~\"&BWPNTR3最大投保年齡&\"歲！\n\",\"◆美滿美元豁免保險費保險附約乙型投保年齡為\"&BWPNTR4最小投保年齡&\"~\"&BWPNTR4最大投保年齡&\"歲！\n\")","v":"◆美滿美元豁免保險費保險附約乙型投保年齡為0~70歲！\n"}," "]
[null,"▲ 增加單位",{"$f":"IF(MOD(BNLTRU1附約保額,1000)<>0,4,1)","v":1},{"$f":"\"◆美滿人生定期附約保額以仟元為單位請重新輸入！\n\"","v":"◆美滿人生定期附約保額以仟元為單位請重新輸入！\n"}," ","▲ 增加單位",{"$f":"IF(G31=1,IF(MOD(ADDNTR2附約保額,10000)<>0,4,1),1)","v":1},{"$f":"\"◆特安心一年期特定傷病美元健康保險附約保額以萬元為單位請重新輸入！\n\"","v":"◆特安心一年期特定傷病美元健康保險附約保額以萬元為單位請重新輸入！\n"}," ","▲ 繳費年期檢核一",{"$f":"IF(AND(豁免附約一是否附加=\"附加\",payterm=3),2,1)","v":1},{"$f":"IF(豁免附約一=BWPNTR1商品名稱,\"◆投保主約繳費年期為\"&繳費年期&\"年期\"&\"，不得附加「豁元甲美元豁免保險費保險附約」\"&\"！\n\",\"◆投保主約繳費年期為\"&繳費年期&\"年期\"&\"，不得附加「豁元乙美元豁免保險費保險附約」\"&\"！\n\")","v":"◆投保主約繳費年期為6年期，不得附加「豁元乙美元豁免保險費保險附約」！\n"}," "]
[null,"▲ 年期檢核",{"$f":"IF(OR(BNLTRU1附約保額<>0,BNLTRU1附約保額<>\"\"),IF(BNLTRU1附約年期=\"\",5,1),1)","v":1},{"$f":"\"◆美滿人生定期附約請選擇繳費年期！\n\"","v":"◆美滿人生定期附約請選擇繳費年期！\n"}," ",null,null,null," ","▲ 繳費年期檢核二",{"$f":"IF(OR(豁免附約二是否附加=\"不附加\",豁免附約二是否附加=\"\"),1,IF(AND(豁免附約二是否附加=\"附加\",OR(payterm=3,payterm=6,payterm=8,payterm=10,payterm=12,payterm=15,payterm=20)),1,2))","v":1},{"$f":"IF(豁免附約二=BWPNTR3商品名稱,\"◆投保主約繳費年期為\"&繳費年期&\"年期\"&\"，不得附加「美滿美元豁免保險費保險附約甲型」\"&\"！\n\",\"◆投保主約繳費年期為\"&繳費年期&\"年期\"&\"，不得附加「美滿美元豁免保險費保險附約乙型」\"&\"！\n\")","v":"◆投保主約繳費年期為6年期，不得附加「美滿美元豁免保險費保險附約乙型」！\n"}," "]
[null,"▲ 年期年齡檢核",{"$f":"IF(ISERROR(被保人生日),1,IF(BNLTRU1附約年期=20,IF(AND(被保人足歲年齡>=15,投保年齡<=60),1,2),IF(AND(被保人足歲年齡>=15,投保年齡<=65),1,IF(BNLTRU1附約年期=\"\",1,2))))","v":1},{"$f":"\"◆美滿人生美元定期壽險附約繳費年期6、10、15為15足歲~65歲，20年期為15足歲~60歲！請確認資料輸入是否正確！\n\"","v":"◆美滿人生美元定期壽險附約繳費年期6、10、15為15足歲~65歲，20年期為15足歲~60歲！請確認資料輸入是否正確！\n"}," ",null,null,null," ","▲ 擇一限制",{"$f":"IF(AND(豁免附約一是否附加=\"附加\",豁免附約二是否附加=\"附加\"),2,1)","v":1},{"$f":"\"◆豁免附約只能選擇其中一項投保！\n\"","v":"◆豁免附約只能選擇其中一項投保！\n"}," "]
[null,null,null,null,null,null,null,null,null,"▲ 反灰檢核一",{"$f":"IF(ISERROR(要保人生日),1,IF(豁免附約一=BWPNTR1商品名稱,IF(AND(要保人足歲年齡>=BWPNTR1最小投保年齡,要保人保險年齡<=BWPNTR1最大投保年齡),1,2),IF(AND(要保人足歲年齡>=BWPNTR2最小投保年齡,要保人保險年齡<=BWPNTR2最大投保年齡),1,2)))","v":1}]
[null,null,null,null,null,null,null,null,null,"▲ 反灰檢核二",{"$f":"IF(ISERROR(要保人生日),1,IF(豁免附約二=BWPNTR3商品名稱,IF(AND(要保人足歲年齡>=BWPNTR3最小投保年齡,要保人保險年齡<=BWPNTR3最大投保年齡),1,2),IF(AND(要保人保險年齡>=BWPNTR4最小投保年齡,要保人保險年齡<=BWPNTR4最大投保年齡),1,2)))","v":1}]
[]
[null,"附加檢核項目"]
[null,"【體檢保額】相關檢核",null,null," ","【BNLTRU1體檢保額】相關檢核",null,null,null,"【ADDNTR2體檢保額】相關檢核"]
[null,"體檢檢核開關","Y",null," ","體檢保額檢核",{"$f":"IF(體檢保額檢核=\"Y\",IF(AND(總檢核,BNLTRU1附約保額<>0),IF(G45=1,1,IF(G41*體檢保額估算匯率>G45*10000,2,IF(G45=0,2,1))),1),1)","v":1},null,null,"體檢保額檢核",{"$f":"IF(體檢保額檢核=\"Y\",IF(AND(總檢核,ADDNTR2附約保額<>0),IF(K45=1,1,IF(K41*體檢保額估算匯率>K45*10000,2,IF(K45=0,2,1))),1),1)","v":1}]
[null,"二段體檢檢核","Y",null," ","▲ 總保額",{"$f":"主約保險金額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table,4,FALSE)+G43+G44","v":100000},null,null,"▲ 總保額",{"$f":"主約保險金額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table,4,FALSE)+K43+K44","v":100000}]
[null,"體檢保額檢核",{"$f":"IF(體檢保額檢核=\"Y\",IF(總檢核,IF(C50=1,1,IF(總保額*體檢保額估算匯率>C50*10000,2,IF(C50=0,2,1))),1),1)","v":1},{"$f":"\"◆◆您輸入的保額已超過投保年齡規範的免體檢額度！被保險人需進行體檢！(當商品包含壽險附約時，主附約保額會一併納入體檢保額額度計算)\n\"","v":"◆◆您輸入的保額已超過投保年齡規範的免體檢額度！被保險人需進行體檢！(當商品包含壽險附約時，主附約保額會一併納入體檢保額額度計算)\n"}," ","▲ 主約體檢保額",{"$f":"主約保險金額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table,4,FALSE)","v":100000},null,null,"▲ 主約體檢保額",{"$f":"主約保險金額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table,4,FALSE)","v":100000}]
[null,"▲ 保額累計方式","特規","◎ 請依「主約投保規則」設定",null,"▲ 壽險附約體檢保額",{"$f":"IF(AND(BNLTRU1附約保額<>\"\",BNLTRU1檢核),BNLTRU1附約保額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table_定期壽險附約,4,FALSE),0)","v":0},null,null,"▲ 壽險附約體檢保額",{"$f":"IF(AND(BNLTRU1附約保額<>\"\",BNLTRU1檢核),BNLTRU1附約保額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table_定期壽險附約,4,FALSE),0)","v":0}]
[null,"▲ 總保額",{"$f":"主約保險金額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table,4,FALSE)+BNLTRU1體檢保額+ADDNTR2體檢保額","v":100000},null," ","▲ 特傷附約體檢保額",{"$f":"IF(AND(ADDNTR2附約保額<>\"\",ADDNTR2檢核),ADDNTR2附約保額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table_特定傷病附約,4,FALSE),0)","v":0},null,null,"▲ 特傷附約體檢保額",{"$f":"IF(AND(ADDNTR2附約保額<>\"\",ADDNTR2檢核),ADDNTR2附約保額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table_特定傷病附約,4,FALSE),0)","v":0}]
[null,"▲ 主約體檢保額",{"$f":"IF(AND(BNLTRU1附約保額=0,ADDNTR2附約保額=0),IF(AND(被保人保險年齡>=0,被保人保險年齡<=70,主約保險金額<=60000000/體檢保額估算匯率),\"0\",IF(AND(被保人保險年齡>=71,被保人保險年齡<=75,主約保險金額<=5000000/體檢保額估算匯率),\"0\",主約保險金額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table,4,FALSE))))","v":"0"},null," ","▲ 體檢限額",{"$f":"IF(AND(BNLTRU1附約保額<>\"\",BNLTRU1檢核),VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PE_Table_定期壽險附約,4,FALSE),1)","v":1},null,null,"▲ 體檢限額",{"$f":"IF(AND(ADDNTR2附約保額<>\"\",ADDNTR2檢核),VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PE_Table_特定傷病附約,4,FALSE),1)","v":1}]
[null,"▲ 壽險附約體檢保額",{"$f":"IF(AND(BNLTRU1附約保額<>\"\",BNLTRU1檢核),IF(SA_Pool=\"一般\",BNLTRU1附約保額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table_定期壽險附約,4,FALSE),0),0)","v":0},{"$f":"總保額*體檢保額估算匯率","v":3191000}," "]
[null,"▲ 特傷附約體檢保額",{"$f":"IF(AND(ADDNTR2附約保額<>\"\",ADDNTR2檢核),IF(SA_Pool=\"一般\",ADDNTR2附約保額*VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PENumber_Table_特定傷病附約,4,FALSE),0),0)","v":0},null," "]
[null,"▲ 年齡上區間",{"$f":"IF(被保人保險年齡=0,0,IF(MOD(被保人保險年齡,5)<>0,INT(被保人保險年齡/5),IF(被保人保險年齡=0,0,INT(被保人保險年齡/5)-1))*5+IF(INT(被保人保險年齡/5)=0,1,1))","v":36},null," "]
[null,"▲ 年齡下區間",{"$f":"IF(MOD(被保人保險年齡,5)<>0,INT(被保人保險年齡/5)+1,IF(被保人保險年齡=0,0,INT(被保人保險年齡/5)))*5","v":40},null," "]
[null,"▲ 體檢限額",{"$f":"IF(二段體檢檢核=\"Y\",IF(主約體檢保額=\"0\",1,VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PE_Table,4,FALSE)),VLOOKUP(\"S\"&REPT(\"0\",2-LEN(C48))&C48&\"L\"&REPT(\"0\",2-LEN(C49))&C49,PE_Table,4,FALSE))","v":1},null," "]
[null,"▲ 體檢警語",{"$f":"MAX(C52:C58)","v":1},null," "]
[null,null,{"$f":"IF(AND(C42>1,G40>1,K40>1),2,1)","v":1},{"$f":"IF(SA_Pool=\"一般\",\"◆◆您輸入的保額已超過「主約」、「定期壽險附約」及「特定傷病附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n\",\"◆◆您輸入的保額已超過「主約」、「定期壽險附約」及「特定傷病附約」投保年齡規範的免體檢額度(主約 ：單獨計算 / 附約 ：累計主約及特定附約)！被保險人需進行體檢！\n\")","v":"◆◆您輸入的保額已超過「主約」、「定期壽險附約」及「特定傷病附約」投保年齡規範的免體檢額度(主約 ：單獨計算 / 附約 ：累計主約及特定附約)！被保險人需進行體檢！\n"}," "]
[null,null,{"$f":"IF(AND(C42>1,G40>1,K40=1),3,1)","v":1},{"$f":"IF(SA_Pool=\"一般\",\"◆◆您輸入的保額已超過「主約」及「定期壽險附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n\",\"◆◆您輸入的保額已超過「主約」及「定期壽險附約」投保年齡規範的免體檢額度(主約 ：單獨計算 / 附約 ：累計主約及特定附約)！被保險人需進行體檢！\n\")","v":"◆◆您輸入的保額已超過「主約」及「定期壽險附約」投保年齡規範的免體檢額度(主約 ：單獨計算 / 附約 ：累計主約及特定附約)！被保險人需進行體檢！\n"}," "]
[null,null,{"$f":"IF(AND(C42>1,G40=1,K40>1),4,1)","v":1},{"$f":"IF(SA_Pool=\"一般\",\"◆◆您輸入的保額已超過「主約」及「特定傷病附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n\",\"◆◆您輸入的保額已超過「主約」及「特定傷病附約」投保年齡規範的免體檢額度(主約 ：單獨計算 / 附約 ：累計主約及特定附約)！被保險人需進行體檢！\n\")","v":"◆◆您輸入的保額已超過「主約」及「特定傷病附約」投保年齡規範的免體檢額度(主約 ：單獨計算 / 附約 ：累計主約及特定附約)！被保險人需進行體檢！\n"}," "]
[null,null,{"$f":"IF(AND(C42>1,G40=1,K40=1),5,1)","v":1},{"$f":"IF(SA_Pool=\"一般\",\"◆◆您輸入的保額已超過「主約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n\",\"◆◆您輸入的保額已超過「主約」投保年齡規範的免體檢額度！被保險人需進行體檢！\n\")","v":"◆◆您輸入的保額已超過「主約」投保年齡規範的免體檢額度！被保險人需進行體檢！\n"}," "]
[null,null,{"$f":"IF(AND(C42=1,G40>1,K40=1),6,1)","v":1},{"$f":"\"◆◆您輸入的保額已超過「定期壽險附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n\"","v":"◆◆您輸入的保額已超過「定期壽險附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n"}," "]
[null,null,{"$f":"IF(AND(C42=1,G40=1,K40>1),7,1)","v":1},{"$f":"\"◆◆您輸入的保額已超過「特定傷病附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n\"","v":"◆◆您輸入的保額已超過「特定傷病附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n"}," "]
[null,null,{"$f":"IF(AND(C42=1,G40>1,K40>1),8,1)","v":1},{"$f":"\"◆◆您輸入的保額已超過「定期壽險附約」及「特定傷病附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n\"","v":"◆◆您輸入的保額已超過「定期壽險附約」及「特定傷病附約」投保年齡規範的免體檢額度(累計主約及特定附約)！被保險人需進行體檢！\n"}," "]
[null,null,null,null," "]
[null,"【15足歲以下投保】相關檢核",null,null,null,"【分期保險金】相關檢核",null,null,null,"【定額保險金】相關檢核"]
[null,"▲ 未滿15足歲",{"$f":"IF(總檢核,IF(被保人足歲年齡>=15,1,2),1)","v":1},{"$f":"\"◆被保險人未滿15足歲，請簽署【投保聲明書】。\n\"","v":"◆被保險人未滿15足歲，請簽署【投保聲明書】。\n"},null,null,{"$f":"IF(AND(申請分期定期保險金,MAX(G62:G63)=1),TRUE,FALSE)","v":true},null,null,null,{"$f":"IF(AND(申請分期定額保險金,K62=1),TRUE,FALSE)","v":true}]
[null,null,null,null,null,"▲ 分期金額/期間",{"$f":"IF(AND(指定保險金比例_定期<>0,分期定期給付期間=\"\"),2,1)","v":1},{"$f":"\"◆請輸入分期定期保險金期間!\n\"","v":"◆請輸入分期定期保險金期間!\n"},null,null,{"$f":"MAX(K63:K64)","v":1},{"$f":"\"\"","v":""}]
[null,null,null,null,null,"▲ 保險金比例",{"$f":"IF(AND(分期定期給付期間<>0,指定保險金比例_定期=\"\"),2,1)","v":1},{"$f":"\"◆請輸入指定保險金比例！\n\"","v":"◆請輸入指定保險金比例！\n"},null,"▲ 保額限制",{"$f":"IF(申請分期定額保險金,IF(分期定額保險金<最低分期定額保險金,2,1),1)","v":1},{"$f":"IF(分期定額保險金<>\"\",\"◆分期定額保險金每年最低限制：\"&TEXT(最低分期定額保險金,\"#,##0\")&\"美元！\n\",\"◆請輸入分期定額保險金！\n\")","v":"◆分期定額保險金每年最低限制：5,000美元！\n"}]
[null,null,null,null,null,"▲ 申請分期保險金",{"$f":"IF(OR(指定保險金比例_定期=\"\",分期定期保險金給付期間=\"\"),FALSE,TRUE)","v":true},null,null,"▲ 保險金比例",{"$f":"IF(AND(分期定額保險金<>0,指定保險金比例_定額=\"\"),3,IF(OR(指定保險金比例_定額>100,指定保險金比例_定額<0),3,1))","v":1},{"$f":"\"◆請輸入指定保險金比例，上限為100%\n\"","v":"◆請輸入指定保險金比例，上限為100%\n"}]
[null,null,null,null,null,null,null,null,null,"▲ 申請分期保險金",{"$f":"IF(AND(指定保險金比例_定額=\"\",分期定額保險金=\"\"),FALSE,TRUE)","v":true}]
[null,null,null,null," "]
[null,"【定額提領】相關檢核",null,null,null,"【額外提領】相關檢核"]
[null,"▲ 年齡一",{"$f":"IF(ISERROR(age),1,IF(定額提領年齡一<=age+開始提領年齡,IF(定額提領年齡一=\"\",1,2),IF(定額提領年齡一>=被保人最大保險年齡,2,1)))","v":1},{"$f":"IF(定額提領年齡一>=(被保人最大保險年齡-1),\"建議提領試算年齡不得大於保障期間！\",\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\")","v":"建議提領試算年齡須至少大於投保年齡加6歲！"},null,"▲ 年齡一",{"$f":"IF(ISERROR(age),1,IF(額外提領年齡一<=age+開始提領年齡,IF(額外提領年齡一=\"\",1,2),IF(額外提領年齡一>=被保人最大保險年齡,2,1)))","v":1},{"$f":"IF(額外提領年齡一>=(被保人最大保險年齡-1),\"建議提領試算年齡不得大於保障期間！\",\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\")","v":"建議提領試算年齡須至少大於投保年齡加6歲！"}]
[null,"▲ 年齡二",{"$f":"IF(ISERROR(age),1,IF(定額提領年齡二<=age+開始提領年齡,IF(定額提領年齡二=\"\",1,2),IF(OR(定額提領年齡二<=定額提領年齡一,定額提領年齡二>=被保人最大保險年齡),2,1)))","v":1},{"$f":"IF(定額提領年齡二<=定額提領年齡一,\"定額提領試算年齡二需大於定額提領試算年齡一！\",IF(定額提領年齡二>=(被保人最大保險年齡-1),\"建議提領試算年齡不得大於保障期間！\",\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\"))","v":"定額提領試算年齡二需大於定額提領試算年齡一！"},null,"▲ 年齡二",{"$f":"IF(ISERROR(age),1,IF(額外提領年齡二<=age+開始提領年齡,IF(額外提領年齡二=\"\",1,2),IF(OR(額外提領年齡二<=額外提領年齡一,額外提領年齡二>=被保人最大保險年齡),2,1)))","v":1},{"$f":"IF(額外提領年齡二<=額外提領年齡一,\"額外提領試算年齡二需大於額外提領試算年齡一！\",IF(額外提領年齡二>=(被保人最大保險年齡-1),\"建議提領試算年齡不得大於保障期間！\",\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\"))","v":"額外提領試算年齡二需大於額外提領試算年齡一！"}]
[null,"▲ 年齡三",{"$f":"IF(ISERROR(age),1,IF(定額提領年齡三<=age+開始提領年齡,IF(定額提領年齡三=\"\",1,2),IF(OR(定額提領年齡三<=定額提領年齡一,定額提領年齡三<=定額提領年齡二,定額提領年齡三>=被保人最大保險年齡),2,1)))","v":1},{"$f":"IF(OR(定額提領年齡三<=定額提領年齡一,定額提領年齡三<=定額提領年齡二),\"定額提領試算年齡三需大於定額提領試算年齡一及二！\",IF(定額提領年齡三>=(被保人最大保險年齡-1),\"建議提領試算年齡不得大於保障期間！\",\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\"))","v":"定額提領試算年齡三需大於定額提領試算年齡一及二！"},null,"▲ 年齡三",{"$f":"IF(ISERROR(age),1,IF(額外提領年齡三<=age+開始提領年齡,IF(額外提領年齡三=\"\",1,2),IF(OR(額外提領年齡三<=額外提領年齡一,額外提領年齡三<=額外提領年齡二,額外提領年齡三>=被保人最大保險年齡),2,1)))","v":1},{"$f":"IF(OR(額外提領年齡三<=額外提領年齡一,額外提領年齡三<=額外提領年齡二),\"額外提領試算年齡三需大於額外提領試算年齡一及二！\",IF(額外提領年齡三>=(被保人最大保險年齡-1),\"建議提領試算年齡不得大於保障期間！\",\"建議提領試算年齡須至少大於投保年齡加\"&開始提領年齡&\"歲！\"))","v":"額外提領試算年齡三需大於額外提領試算年齡一及二！"}]
[]
[null,"高齡錄音檢核項目"]
[null,"【高齡錄音話術】相關檢核(1)",null,null,null,"【高齡錄音話術】相關檢核(2)"]
[null,"高齡錄音話術檢核",{"$f":"IF(生日檢核,OR(C76,C77,C78),FALSE)","v":false},{"$f":"\"◆要保人、被保人、繳款人其一達\"&高齡錄音年齡&\"歲，請填寫錄音話術補充資訊(右方V欄)，依錄音話術表進行錄音。\n\"","v":"◆要保人、被保人、繳款人其一達65歲，請填寫錄音話術補充資訊(右方V欄)，依錄音話術表進行錄音。\n"}," ","投保目的檢核",{"$f":"OR(G76,G77)","v":false},{"$f":"IF(AND(COUNTIF(資料輸入!X14:X17,\"V\")+COUNTIF(資料輸入!X18,\"V\")=1,投保目的保障項次=\"V\"),投保目的保障文字,IF(投保目的保障項次=\"V\",投保目的保障文字&\"、\",\"\"))&IF(AND(COUNTIF(資料輸入!X15:X17,\"V\")+COUNTIF(資料輸入!X18,\"V\")=1,投保目的子女=\"V\"),投保目的子女文字,IF(投保目的子女=\"V\",投保目的子女文字&\"、\",\"\"))&IF(AND(COUNTIF(資料輸入!X16:X17,\"V\")+COUNTIF(資料輸入!X18,\"V\")=1,投保目的退休=\"V\"),投保目的退休文字,IF(投保目的退休=\"V\",投保目的退休文字&\"、\",\"\"))&IF(AND(COUNTIF(資料輸入!X17,\"V\")+COUNTIF(資料輸入!X18,\"V\")=1,投保目的房貸=\"V\"),投保目的房貸文字,IF(投保目的房貸=\"V\",投保目的房貸文字&\"、\",\"\"))&IF(投保目的其他=\"V\",投保目的其他文字,\"\")","v":""}]
[null,"啟動年齡",65,null," ","投保目的勾選檢核",{"$f":"OR(G76,G78)","v":false}]
[null,"▲ 要保人高齡判斷",{"$f":"IF(要保人保險年齡<>\"\",IF(ISERROR(AND(要保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡)),FALSE,IF(AND(要保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),TRUE,FALSE)),FALSE)","v":false},null," ","▲ 投保目的",{"$f":"OR(投保目的保障項次=\"V\",投保目的子女=\"V\",投保目的退休=\"V\",投保目的房貸=\"V\")","v":false}]
[null,"▲ 被保險人高齡判斷",{"$f":"IF(被保人保險年齡<>\"\",IF(ISERROR(AND(被保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡)),FALSE,IF(AND(被保人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),TRUE,FALSE)),FALSE)","v":false},null," ","▲ 投保目的其他",{"$f":"AND(投保目的其他=\"V\",投保目的其他文字<>\"\")","v":false}]
[null,"▲ 繳款險人高齡判斷",{"$f":"IF(繳款人保險年齡<>\"\",IF(ISERROR(AND(繳款人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡)),FALSE,IF(AND(繳款人保險年齡>=高齡錄音年齡,被保人保險年齡<=被保人最大投保年齡),TRUE,FALSE)),FALSE)","v":false},null," ","▲ 投保目的其他勾選",{"$f":"AND(投保目的其他=\"V\")","v":false}]
[null,"雙招攬判斷",{"$f":"IF(高齡話術檢核,IF(雙招選項=\"是\",TRUE,FALSE),FALSE)","v":false},null," ","▲ 投保目的其他文字",{"$f":"IF(投保目的其他=\"V\",IF(投保目的其他文字=\"\",1,2),3)","v":3}]
[null,"高齡錄音欄位填寫",{"$f":"IF(高齡話術檢核,IF(雙招攬判斷,AND(雙招選項<>\"\",服務專員第二招攬<>\"\",登錄字號第二<>\"\",服務公司檢核=TRUE,服務專員<>\"\",登錄字號<>\"\",要保人身分證字號<>\"\",投保目的檢核=TRUE,OR(投保目的其他文字檢核=2,投保目的其他文字檢核=3)),AND(雙招選項<>\"\",服務公司檢核=TRUE,服務專員<>\"\",登錄字號<>\"\",要保人身分證字號<>\"\",投保目的檢核=TRUE,OR(投保目的其他文字檢核=2,投保目的其他文字檢核=3))),FALSE)","v":false},{"$f":"\"◆錄音話術補充資訊填寫不完整，請補全內容。\"","v":"◆錄音話術補充資訊填寫不完整，請補全內容。"}," ","折扣後保費",{"$f":"ROUND(資料輸入!L42,0)","v":10038},{"$f":"ROUND(G80,0)*payfrq","v":10038}]
[null,"服務公司",null,null," "]
[null,"▲ 服務單位檢核(欣台)",{"$f":"IF(ISERROR(FIND(\"欣台\",服務公司,1)),FALSE,TRUE)","v":false},null," "]
[null,"▲ 服務公司檢核",{"$f":"IF(服務單位檢核=TRUE,AND(服務公司<>\"\",保經保代<>\"\",服務單位<>\"\"),AND(服務公司<>\"\",保經保代<>\"\"))","v":false},null," "]

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["投保商品",null,null,"繳別","性別","幣別","首期優惠折扣","分期保險金給付期間",null,null,null,null,null,null,null,"報表顯示",null,null,"user輸入"]
[{"$f":"主約商品名稱","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)"},null,null,{"$f":"IF(T5=\"躉繳\",\"躉繳\",\"年繳\")","v":"年繳"},"男",{"$f":"T6","v":"美元"},"有",5,null,null,null,null,null,null,null,"要保人姓名",{"$f":"IF(要保人身分=\"與被保險人為「同一人」\",被保人_顯示,要保人&\" 君\")","v":"貴保戶 君"},null,"主約商品名稱","保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)",null,"版號","V1.1"]
[{"$f":"T3","v":"ARLPLU42"},null,null,{"$f":"IF(T5=\"躉繳\",\"\",\"半年繳\")","v":"半年繳"},"女",null,"無",10,null,null,null,null,null,null,null,"被保人姓名",{"$f":"被保人&\" 君\"","v":"貴保戶 君"},null,"主約商品代號","ARLPLU42"]
[null,null,null,{"$f":"IF(T5=\"躉繳\",\"\",\"季繳\")","v":"季繳"},null,null,null,15,null,null,null,null,null,null,null,"性別/年齡",{"$f":"被保人性別&\"/\"&被保人保險年齡&\"歲\"","v":"男/40歲"},null,"主約商品年期",{"$f":"主約繳費年期","v":6}]
[null,null,null,{"$f":"IF(T5=\"躉繳\",\"\",\"月繳\")","v":"月繳"},null,null,null,20,null,null,null,null,null,null,null,"年期",{"$f":"payterm&\"年\"","v":"6年"},null,"主約商品繳別","期繳"]
[null,null,null,null,null,null,null,25,null,null,null,null,null,null,null,"保額",{"$f":"IF(ISERROR(TEXT(主約保險金額/保額單位數值,\"#,##0\")),0,IF(幣別=\"新臺幣\",TEXT(主約保險金額/保額單位數值,\"#,##0\")&\"元\",TEXT(主約保險金額/保額單位數值,\"#,##0\")&\"元\"&\"(\"&幣別&\")\"))","v":"100,000元(美元)"},null,"主約商品幣別","美元"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"繳別",{"$f":"繳別","v":"年繳"},null,"主約商品最低保額",10000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"每期原始保費",{"$f":"TEXT(首期表定保費,\"#,##0\")&\"元\"","v":"10,190元"},null,"主約商品最高保額",2500000]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"每期折扣後保費",{"$f":"TEXT(Premium,\"#,##0\")&\"元\"","v":"10,038元"},null,"主約商品保額單位","元"]
["要保人生日",null,null,"最小保險年齡","最大保險年齡",null,null,null,null,"繳款人生日",null,null,null,null,null,"高保費折扣",{"$f":"IF(MOD(高保費折扣率,0.01)=0,TEXT(高保費折扣率,\"0%\"),TEXT(高保費折扣率,\"0.0%\"))","v":"0.5%"},null,"主約商品Factor單位",10000]
["要保人姓名",{"$f":"IF(要保人身分=\"與被保險人為「同一人」\",被保人,要保人)","v":"貴保戶"},null,{"$f":"T11","v":0},{"$f":"T12","v":100},null,null,null,null,"繳款人姓名",{"$f":"IF(繳款人身分=\"與被保險人為「同一人」\",被保人,IF(繳款人身分=\"與要保人為「同一人」\",要保人姓名,繳款人))","v":"貴保戶"},null,null,null,null,"首續期折扣",{"$f":"TEXT(首期繳費折扣,\"0%\")","v":"1%"},null,"要保人最小年齡",0]
["要保人西元生日",{"$f":"DATE(LEFT(要保人生日6碼,LEN(要保人生日6碼)-4)+1911, MID(要保人生日6碼,LEN(LEFT(要保人生日6碼,LEN(要保人生日6碼)-4))+1,2), RIGHT(要保人生日6碼,2))","v":"1985-07-01"},{"$f":"YEAR(TODAY())-YEAR(要保人生日)","v":40},null,null,null,null,null,null,"繳款人西元生日",{"$f":"DATE(LEFT(繳款人生日6碼,LEN(繳款人生日6碼)-4)+1911, MID(繳款人生日6碼,LEN(LEFT(繳款人生日6碼,LEN(繳款人生日6碼)-4))+1,2), RIGHT(繳款人生日6碼,2))","v":"1985-07-01"},{"$f":"YEAR(TODAY())-YEAR(繳款人生日)","v":40},null,null,null,"保障年期",{"$f":"\"達\"&列表年齡上限+1&\"歲之保單週年日\"","v":"達110歲之保單週年日"},null,"要保人最大年齡",100]
["要保人年",{"$f":"LEFT(要保人生日6碼,LEN(要保人生日6碼)-4)","v":"74"},null,null,null,null,null,null,null,"繳款人年",{"$f":"LEFT(繳款人生日6碼,LEN(繳款人生日6碼)-4)","v":"74"},null,null,null,null,null,null,null,"被保人最小投保年齡",0,6]
["要保人月",{"$f":"MID(要保人生日6碼,LEN(LEFT(要保人生日6碼,LEN(要保人生日6碼)-4))+1,2)","v":"07"},null,null,null,null,null,null,null,"繳款人月",{"$f":"MID(繳款人生日6碼,LEN(LEFT(繳款人生日6碼,LEN(繳款人生日6碼)-4))+1,2)","v":"07"},null,null,null,null,null,null,null,"被保人最大投保年齡",{"$f":"IF(主約繳費年期=U13,U14,V14)","v":75},75]
["要保人日",{"$f":"RIGHT(要保人生日6碼,2)","v":"01"},null,null,null,null,null,null,null,"繳款人日",{"$f":"RIGHT(繳款人生日6碼,2)","v":"01"},null,null,null,null,null,null,null,"儲存生息試算利率","-"]
["要保人今年生日",{"$f":"MIN(DATE(YEAR(TODAY()),MONTH(要保人生日),DAY(要保人生日)),DATE(YEAR(TODAY()),MONTH(要保人生日)+1,1))","v":"2025-07-01"},null,null,null,null,null,null,null,"繳款人今年生日",{"$f":"MIN(DATE(YEAR(TODAY()),MONTH(繳款人生日),DAY(繳款人生日)),DATE(YEAR(TODAY()),MONTH(繳款人生日)+1,1))","v":"2025-07-01"},null,null,null,null,null,null,null,"被保人最大保險年齡",110]
["要保人去年生日",{"$f":"MIN(DATE(YEAR(TODAY())-1,MONTH(要保人生日),DAY(要保人生日)),DATE(YEAR(TODAY())-1,MONTH(要保人生日)+1,1))","v":"2024-07-01"},null,null,null,null,null,null,null,"繳款人去年生日",{"$f":"MIN(DATE(YEAR(TODAY())-1,MONTH(繳款人生日),DAY(繳款人生日)),DATE(YEAR(TODAY())-1,MONTH(繳款人生日)+1,1))","v":"2024-07-01"},null,null,null,null,null,null,null,"列表年齡上限",{"$f":"T16-1","v":109}]
["要保人最接近生日",{"$f":"IF(B16<=TODAY(),B16,B17)","v":"2024-07-01"},null,null,null,null,null,null,null,"繳款人最接近生日",{"$f":"IF(K16<=TODAY(),K16,K17)","v":"2024-07-01"}]
["保險年齡進日",{"$f":"MIN(DATE(YEAR(B18),MONTH(B18)+6,DAY(B18)+1),DATE(YEAR(B18),MONTH(B18)+7,1))","v":"2025-01-02"},null,null,null,null,null,null,null,"保險年齡進日",{"$f":"MIN(DATE(YEAR(K18),MONTH(K18)+6,DAY(K18)+1),DATE(YEAR(K18),MONTH(K18)+7,1))","v":"2025-01-02"}]
["保險年齡明年進日",{"$f":"MIN(DATE(YEAR(B19)+1,MONTH(B19),DAY(B19)),DATE(YEAR(B19)+1,MONTH(B19)+1,1))","v":"2026-01-02"},null,null,null,null,null,null,null,"保險年齡明年進日",{"$f":"MIN(DATE(YEAR(K19)+1,MONTH(K19),DAY(K19)),DATE(YEAR(K19)+1,MONTH(K19)+1,1))","v":"2026-01-02"},null,null,null,null,null,null,null,"遺產稅喪葬費扣除額",1380000]
["下一歲保險日期",{"$f":"IF(B19<=TODAY(),B20,B19)","v":"2026-01-02"},null,null,null,null,null,null,null,"下一歲保險日期",{"$f":"IF(K19<=TODAY(),K20,K19)","v":"2026-01-02"},null,null,null,null,null,null,null,"遺產稅喪葬費扣除額佔比",0.5]
["保險年齡",{"$f":"IF(要保人身分=\"與被保險人為「同一人」\",被保人保險年齡,IF(OR(MONTH(TODAY())-MONTH(要保人生日)>6,AND(MONTH(TODAY())-MONTH(要保人生日)=6,DAY(TODAY())>DAY(要保人生日))),YEAR(TODAY())-YEAR(要保人生日)+1,IF(OR(MONTH(要保人生日)-MONTH(TODAY())>6,AND(MONTH(要保人生日)-MONTH(TODAY())=6,DAY(要保人生日)>=DAY(TODAY()))),YEAR(TODAY())-YEAR(要保人生日)-1,YEAR(TODAY())-YEAR(要保人生日))))","v":40},null,null,null,null,null,null,null,"保險年齡",{"$f":"IF(繳款人身分=\"與被保險人為「同一人」\",被保人保險年齡,IF(繳款人身分=\"與要保人為「同一人」\",要保人保險年齡,IF(OR(MONTH(TODAY())-MONTH(繳款人生日)>6,AND(MONTH(TODAY())-MONTH(繳款人生日)=6,DAY(TODAY())>DAY(繳款人生日))),YEAR(TODAY())-YEAR(繳款人生日)+1,IF(OR(MONTH(繳款人生日)-MONTH(TODAY())>6,AND(MONTH(繳款人生日)-MONTH(TODAY())=6,DAY(繳款人生日)>=DAY(TODAY()))),YEAR(TODAY())-YEAR(繳款人生日)-1,YEAR(TODAY())-YEAR(繳款人生日)))))","v":40},null,null,null,null,null,null,null,"喪葬費用",{"$f":"T20*T21","v":690000},"※依NB提供更新，此匯率未來每季檢視是否調整"]
["足歲年齡",{"$f":"IF(要保人身分=\"與被保險人為「同一人」\",被保人足歲年齡,IF(B16<=TODAY(),C12,C12-1))","v":39},null,null,null,null,null,null,null,"足歲年齡",{"$f":"IF(K16<=TODAY(),L12,L12-1)","v":39},null,null,null,null,null,null,null,"喪葬費用保險金換算匯率",32]
["要保人年月日整合",{"$f":"\"\"&(YEAR(要保人生日)-1911)&TEXT(MONTH(要保人生日),\"00\")&TEXT(DAY(要保人生日),\"00\")","v":"740701"},null,null,null,null,null,null,null,"繳款人年月日整合",{"$f":"\"\"&(YEAR(繳款人生日)-1911)&TEXT(MONTH(繳款人生日),\"00\")&TEXT(DAY(繳款人生日),\"00\")","v":"740701"},null,null,null,null,null,null,null,"喪葬費用保險金檢核年齡",15]
["要保人年月日value",{"$f":"VALUE(要保人生日6碼)","v":740701},null,null,null,null,null,null,null,"繳款人年月日value",{"$f":"VALUE(繳款人生日6碼)","v":740701}]
["要保人日月檢核",{"$f":"IF(ISERROR(VALUE(B24)=VALUE(B25)),FALSE,VALUE(B24)=VALUE(B25))","v":true},null,null,null,null,null,null,null,"繳款人日月檢核",{"$f":"IF(ISERROR(VALUE(K24)=VALUE(K25)),FALSE,VALUE(K24)=VALUE(K25))","v":true}]
["要保人sex",{"$f":"IF(要保人身分=\"與被保險人為「同一人」\",被保人sex,IF(要保人性別=\"男\",1,2))","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"高保額折扣",null,null,"高保額訊息判斷",null,6]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0,{"$f":"IF(主約繳費年期=$X$27,X28,Z28)","v":0},0,{"$f":"AND((ROUND(首期表定保費,TW706進位))*payfrq>=S28,(ROUND(首期表定保費,TW706進位))*payfrq<T28)","v":false},null,0,0]
["被保人生日",null,null,"最小保險年齡","最大保險年齡","祝壽保險金-100","假設紅利-無","假設紅利-中","假設紅利-低","祝壽保險金_紅利_無","祝壽保險金_紅利_中","祝壽保險金_紅利_低",null,null,null,null,null,null,{"$f":"T29-10","v":9990},10000,5.0000000000000001E-3,{"$f":"AND((ROUND(首期表定保費,TW706進位))*payfrq>=S29,(ROUND(首期表定保費,TW706進位))*payfrq<T29)","v":false},null,10000,5.0000000000000001E-3]
["被保人西元生日",{"$f":"DATE(LEFT(被保人生日6碼,LEN(被保人生日6碼)-4)+1911, MID(被保人生日6碼,LEN(LEFT(被保人生日6碼,LEN(被保人生日6碼)-4))+1,2), RIGHT(被保人生日6碼,2))","v":"1985-07-01"},{"$f":"YEAR(TODAY())-YEAR(被保人生日)","v":40},{"$f":"T13","v":0},{"$f":"T16","v":110},{"$f":"VLOOKUP(被保人最大保險年齡,試算表!$C$7:$CD$117,7,TRUE)","v":100000},{"$f":"VLOOKUP(被保人最大保險年齡,試算表!$C$7:$CD$117,11,TRUE)","v":0},{"$f":"VLOOKUP(被保人最大保險年齡,試算表!$C$7:$CD$117,15,TRUE)","v":391508},{"$f":"VLOOKUP(被保人最大保險年齡,試算表!$C$7:$CD$117,19,TRUE)","v":33873},{"$f":"VLOOKUP(被保人最大保險年齡,試算表!$C$7:$CD$117,13,TRUE)","v":100000},{"$f":"VLOOKUP(被保人最大保險年齡,試算表!$C$7:$CD$117,17,TRUE)","v":491508},{"$f":"VLOOKUP(被保人最大保險年齡,試算表!$C$7:$CD$117,21,TRUE)","v":133873},null,null,null,null,null,null,{"$f":"T30","v":15000},15000,0.01,{"$f":"AND((ROUND(首期表定保費,TW706進位))*payfrq>=S30,(ROUND(首期表定保費,TW706進位))*payfrq<T30)","v":false},null,15000,0.01]
["被保人年",{"$f":"LEFT(被保人生日6碼,LEN(被保人生日6碼)-4)","v":"74"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"T31","v":20000},20000,1.4999999999999999E-2,{"$f":"AND((ROUND(首期表定保費,TW706進位))*payfrq>=S31,(ROUND(首期表定保費,TW706進位))*payfrq<T31)","v":false},null,20000,1.4999999999999999E-2]
["被保人月",{"$f":"MID(被保人生日6碼,LEN(LEFT(被保人生日6碼,LEN(被保人生日6碼)-4))+1,2)","v":"07"}]
["被保人日",{"$f":"RIGHT(被保人生日6碼,2)","v":"01"}]
["被保人今年生日",{"$f":"MIN(DATE(YEAR(TODAY()),MONTH(被保人生日),DAY(被保人生日)),DATE(YEAR(TODAY()),MONTH(被保人生日)+1,1))","v":"2025-07-01"}]
["被保人去年生日",{"$f":"MIN(DATE(YEAR(TODAY())-1,MONTH(被保人生日),DAY(被保人生日)),DATE(YEAR(TODAY())-1,MONTH(被保人生日)+1,1))","v":"2024-07-01"}]
["被保人最接近生日",{"$f":"IF(B34<=TODAY(),B34,B35)","v":"2024-07-01"}]
["保險年齡進日",{"$f":"MIN(DATE(YEAR(B36),MONTH(B36)+6,DAY(B36)+1),DATE(YEAR(B36),MONTH(B36)+7,1))","v":"2025-01-02"}]
["保險年齡明年進日",{"$f":"MIN(DATE(YEAR(B37)+1,MONTH(B37),DAY(B37)),DATE(YEAR(B37)+1,MONTH(B37)+1,1))","v":"2026-01-02"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"BWPNTR3商品名稱","v":"保誠人壽美滿美元豁免保險費保險附約甲型"}]
["下一歲保險日期",{"$f":"IF(B37<=TODAY(),B38,B37)","v":"2026-01-02"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"繳費年期","投保年齡上限","投保年齡下限"]
["保險年齡",{"$f":"IF(OR(MONTH(TODAY())-MONTH(被保人生日)>6,AND(MONTH(TODAY())-MONTH(被保人生日)=6,DAY(TODAY())>DAY(被保人生日))),YEAR(TODAY())-YEAR(被保人生日)+1,IF(OR(MONTH(被保人生日)-MONTH(TODAY())>6,AND(MONTH(被保人生日)-MONTH(TODAY())=6,DAY(被保人生日)>=DAY(TODAY()))),YEAR(TODAY())-YEAR(被保人生日)-1,YEAR(TODAY())-YEAR(被保人生日)))","v":40},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,15,73]
["足歲年齡",{"$f":"IF(B34<=TODAY(),C30,C30-1)","v":39},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,6,15,70]
["被保人年月日整合",{"$f":"\"\"&(YEAR(被保人生日)-1911)&TEXT(MONTH(被保人生日),\"00\")&TEXT(DAY(被保人生日),\"00\")","v":"740701"},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8,15,68]
["被保人年月日value",{"$f":"VALUE(被保人生日6碼)","v":740701},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,10,15,66]
["被保人日月檢核",{"$f":"IF(ISERROR(VALUE(B42)=VALUE(B43)),FALSE,VALUE(B42)=VALUE(B43))","v":true},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,15,64]
["被保人sex",{"$f":"IF(被保人性別=\"男\",1,2)","v":1},null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,15,61]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,15,56]
["險種名稱","英文代碼","年期","投保年齡起","投保年齡迄","子女投保年齡起","子女投保年齡迄","保額限制起","保額限制迄","配偶保額限制迄","子女1保額限制迄","子女2保額限制迄","子女3保額限制迄","保額單位","高保費折扣","保額factor單位"]
[{"$f":"商品名稱","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)"},{"$f":"商品代碼","v":"ARLPLU42"},{"$f":"T4","v":6},{"$f":"被保人最小保險年齡","v":0},{"$f":"T14","v":75},null,null,{"$f":"T7","v":10000},{"$f":"T8","v":2500000},null,null,null,null,{"$f":"T9","v":"元"},{"$f":"VLOOKUP(ROUND(首期表定保費,TW706進位)*payfrq,高保費折扣級距,2,TRUE)","v":5.0000000000000001E-3},{"$f":"T10","v":10000}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(保額單位=\"萬元\",10000,IF(保額單位=\"仟元\",1000,1))","v":1}]
["保誠人壽美滿人生美元定期壽險附約","BNLTRU1",{"$f":"BNLTRU1附約年期","v":0},15,{"$f":"IF(BNLTRU1附約年期=20,60,65)","v":65},null,null,10000,{"$f":"IF(ISNUMBER(主約保險金額),IF(主約保險金額*5>1000000,1000000,主約保險金額*5),1000000)","v":500000},null,null,null,null,null,null,null,null,null,{"$f":"BWPNTR4商品名稱","v":"保誠人壽美滿美元豁免保險費健康保險附約乙型"}]
["保誠人壽特安心一年期特定傷病美元健康保險附約","ADDNTR2",1,0,70,null,null,10000,30000,null,null,null,null,null,null,null,null,null,"繳費年期","投保年齡上限","投保年齡下限"]
["保誠人壽豁元甲美元豁免保險費保險附約","BWPNTR1",{"$f":"payterm","v":6},15,{"$f":"IF(BWPNTR1年期<20,60,55)","v":60},null,null,null,null,null,null,null,null,null,null,null,null,null,3,0,73]
["保誠人壽豁元乙美元豁免保險費健康保險附約","BWPNTR2",{"$f":"payterm","v":6},15,{"$f":"IF(BWPNTR2年期<20,60,55)","v":60},null,null,null,null,null,null,null,null,null,null,null,null,null,6,0,70]
["保誠人壽美滿美元豁免保險費保險附約甲型","CWPNTR3",{"$f":"payterm","v":6},{"$f":"VLOOKUP(BWPNTR3年期,BWPNTR3投保年齡區間,2,FALSE)","v":15},{"$f":"VLOOKUP(BWPNTR3年期,BWPNTR3投保年齡區間,3,FALSE)","v":70},null,null,null,null,null,null,null,null,null,null,null,null,null,8,0,68]
["保誠人壽美滿美元豁免保險費健康保險附約乙型","CWPNTR4",{"$f":"payterm","v":6},{"$f":"VLOOKUP(BWPNTR4年期,BWPNTR4投保年齡區間,2,FALSE)","v":0},{"$f":"VLOOKUP(BWPNTR4年期,BWPNTR4投保年齡區間,3,FALSE)","v":70},null,null,null,null,null,null,null,null,null,null,null,null,null,10,0,66]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,12,0,64]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,0,61]
["資料輸入頁面統整",null,null,"繳別係數",null,null,"繳費方式折扣",null,null,null,null,null,"男",null,"女",null,null,null,20,0,56]
["計算方式",{"$f":"計算方式","v":"保險金額"},null,"繳別係數",null,{"$f":"VLOOKUP(B81,$E$60:$F$63,2,FALSE)","v":1},"繳費方式折扣","首期繳費方式","續期繳費方式",null,null,"歲數","最低","最高","最低","最高"]
["保費/保額輸入",{"$f":"IF(OR(B59=\"保險金額\",計算方式=\"\",繳別=\"\",資料輸入!G26=\"\"),保額,B132)","v":100000},null,"年繳",1,1,"自動轉帳",0.01,0.01,null,null,0,15000,10000000,15000,10000000]
["繳別",{"$f":"繳別","v":"年繳"},null,"半年繳",2,0.52,"匯款",0.01,0.01,null,null,1,15000,10000000,15000,10000000]
["首期繳款方式",{"$f":"首期繳費方式","v":"匯款或自動轉帳"},null,"季繳",4,0.26200000000000001,"匯款或自動轉帳",0.01,0.01,null,null,2,15000,10000000,15000,10000000]
["續期繳款方式",{"$f":"續期繳費方式","v":"匯款或自動轉帳"},null,"月繳",12,8.7999999999999995E-2,"信用卡",0,0,null,null,3,15000,10000000,15000,10000000]
["推估保險金額",{"$f":"IF(最大推估保險金額=\"error\",0,最大推估保險金額)","v":981357},null,null,null,null,null,null,null,null,null,4,15000,10000000,15000,10000000]
["主約保險金額",{"$f":"IF(OR(B59=\"年繳保費換算保額\",B59=\"主約保費試算保額\"),B64,B60)","v":100000},{"$f":"主約保險金額/保額factor單位","v":10},null,null,null,null,null,null,null,null,5,15000,10000000,15000,10000000]
["儲存生息試算利率",{"$f":"T15","v":"-"},null,null,null,null,null,null,null,null,null,6,15000,10000000,15000,10000000]
["首期月繳份數",2,null,null,null,null,null,null,null,null,null,7,15000,10000000,15000,10000000]
["原始保費進位數",3,null,null,null,null,null,null,null,null,null,8,15000,10000000,15000,10000000]
["轉帳折扣前進位數",3,null,null,null,null,null,null,null,null,null,9,15000,10000000,15000,10000000]
["高保費折扣進位數",3,null,null,null,null,null,null,null,null,null,10,15000,10000000,15000,10000000]
["折扣後總保費進位數",0,null,null,null,null,null,null,null,null,null,11,15000,10000000,15000,10000000]
["個別險種進位數",0,null,null,null,null,null,null,null,null,null,12,15000,10000000,15000,10000000]
["豁免附約進位數1",0,null,null,null,null,null,null,null,null,null,13,15000,10000000,15000,10000000]
["豁免附約進位數2",2,"※只有美滿豁免才有小數點2位",null,null,null,null,null,null,null,null,14,15000,10000000,15000,10000000]
["保費總和折扣前進位數",2,null,null,null,null,null,null,null,null,null,15,15000,10000000,15000,10000000]
["保費總和折扣後進位數",0]
["TW706進位",0]
["BBP",{"$f":"列表年齡上限-age+1","v":70}]
["AGE",{"$f":"投保年齡","v":40}]
["SEX",{"$f":"IF(被保人性別=\"男\",1,2)","v":1}]
["payfrq",{"$f":"IF(B61=\"年繳\",1,IF(B61=\"半年繳\",2,IF(B61=\"季繳\",4,IF(B61=\"月繳\",12,\"\"))))","v":1}]
["列表年齡上限",{"$f":"T17","v":109}]
["年期列表迄",{"$f":"列表年齡上限-age+1","v":70}]
[]
[]
["主約商品",null,null,{"$f":"BNLTRU1商品代碼","v":"BNLTRU1"},null,null,{"$f":"ADDNTR2商品代碼","v":"ADDNTR2"},null,null,{"$f":"BWPNTR1商品代碼","v":"BWPNTR1"},null,null,{"$f":"BWPNTR2商品代碼","v":"BWPNTR2"},null,null,{"$f":"B54","v":"CWPNTR3"},null,null,{"$f":"BWPNTR4商品代碼","v":"CWPNTR4"}]
["保險金額(仟元)",{"$f":"IF(總檢核,B65/保額factor單位,\"\")","v":10},null,"保險金額(萬元)",{"$f":"IF(總檢核,IF(BNLTRU1檢核,BNLTRU1附約保額/10000,0),0)","v":0},null,"保險金額(萬元)",{"$f":"IF(總檢核,IF(ADDNTR2檢核,ADDNTR2附約保額/10000,0),0)","v":0},null,"保險金額(萬元)",{"$f":"IF(AND(總檢核,豁免附約檢核),IF(AND(豁免附約一是否附加=\"附加\",豁免附約一=BWPNTR1商品名稱),(高保費折扣後保費_主約使用+ROUND(BNLTRU1_首期表定保費,0)+ROUND(ADDNTR2_首期表定保費,0))/1000,0),0)","v":0},null,"保險金額(萬元)",{"$f":"IF(AND(總檢核,豁免附約檢核),IF(AND(豁免附約一是否附加=\"附加\",豁免附約一=BWPNTR2商品名稱),(高保費折扣後保費_主約使用+ROUND(BNLTRU1_首期表定保費,0)+ROUND(ADDNTR2_首期表定保費,0))/1000,0),0)","v":0},null,"保險金額(十萬元)",{"$f":"IF(AND(總檢核,豁免附約檢核),IF(AND(豁免附約二是否附加=\"附加\",豁免附約二=BWPNTR3商品名稱),(高保費折扣後保費_主約使用+ROUND(BNLTRU1_首期表定保費,0)+ROUND(ADDNTR2_首期表定保費,0))/1000,0),0)","v":0},null,"保險金額(十萬元)",{"$f":"IF(AND(總檢核,豁免附約檢核),IF(AND(豁免附約二是否附加=\"附加\",豁免附約二=BWPNTR4商品名稱),(高保費折扣後保費_主約使用+ROUND(BNLTRU1_首期表定保費,0)+ROUND(ADDNTR2_首期表定保費,0))/1000,0),0)","v":0}]
["NP_GP",{"$f":"VLOOKUP(\"P\"&REPT(\"0\",2-LEN(payterm))&payterm&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age,PV,6,FALSE)","v":1019},null,"NP_GP",{"$f":"IF(ISERROR(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BNLTRU1年期))&BNLTRU1年期&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age,BNLTRU1_PV,6,FALSE)),0,VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BNLTRU1年期))&BNLTRU1年期&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age,BNLTRU1_PV,6,FALSE))","v":0},null,"NP_GP",{"$f":"IF(ISERROR(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(ADDNTR2年期))&ADDNTR2年期&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age,ADDNTR2_PV,6,FALSE)),0,VLOOKUP(\"P\"&REPT(\"0\",2-LEN(ADDNTR2年期))&ADDNTR2年期&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age,ADDNTR2_PV,6,FALSE))","v":58},null,"NP_GP",{"$f":"IF(ISERROR(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR1年期))&BWPNTR1年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR1_PV,6,FALSE)),0,VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR1年期))&BWPNTR1年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR1_PV,6,FALSE))","v":26.3},null,"NP_GP",{"$f":"IF(ISERROR(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR2年期))&BWPNTR2年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR2_PV,6,FALSE)),0,VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR2年期))&BWPNTR2年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR2_PV,6,FALSE))","v":19.100000000000001},null,"NP_GP",{"$f":"IF(ISERROR(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR3年期))&BWPNTR3年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR3_PV,6,FALSE)),0,VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR3年期))&BWPNTR3年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR3_PV,6,FALSE))","v":12.03},null,"NP_GP",{"$f":"IF(ISERROR(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR4年期))&BWPNTR4年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR4_PV,6,FALSE)),0,VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BWPNTR4年期))&BWPNTR4年期&\"S\"&要保人sex&\"A\"&REPT(\"0\",2-LEN(要保人保險年齡))&要保人保險年齡,BWPNTR4_PV,6,FALSE))","v":2}]
["原始保費(年繳)",{"$f":"ROUND(IF(ISNUMBER(B88*B87),B88*B87,\"\"),原始保費進位數)","v":10190},null,"原始保費(年繳)",{"$f":"ROUND(E88*BNLTRU1_SA,原始保費進位數)","v":0},null,"原始保費(年繳)",{"$f":"ROUND(ADDNTR2_SA*H88,原始保費進位數)","v":0},null,"原始保費(年繳)",{"$f":"ROUND(BWPNTR1_SA*K88,原始保費進位數)","v":0},null,"原始保費(年繳)",{"$f":"ROUND(BWPNTR2_SA*N88,原始保費進位數)","v":0},null,"原始保費(年繳)",{"$f":"ROUND(BWPNTR3_SA*Q88,原始保費進位數)","v":0},null,"原始保費(年繳)",{"$f":"ROUND(BWPNTR4_SA*T88,原始保費進位數)","v":0}]
["首期表定保費",{"$f":"IF(ISNUMBER(ROUND(表定年繳保費*繳別係數,轉帳折扣前進位數)),ROUND(表定年繳保費*繳別係數,轉帳折扣前進位數),\"\")","v":10190},null,"首期表定保費",{"$f":"IF(ISNUMBER(ROUND(BNLTRU1_原始保費*繳別係數,轉帳折扣前進位數)),ROUND(BNLTRU1_原始保費*繳別係數,轉帳折扣前進位數),\"\")","v":0},null,"首期表定保費",{"$f":"IF(ISNUMBER(ROUND(ADDNTR2_原始保費*繳別係數,轉帳折扣前進位數)),ROUND(ADDNTR2_原始保費*繳別係數,轉帳折扣前進位數),\"\")","v":0},null,"首期表定保費",{"$f":"ROUND(BWPNTR1_原始保費,豁免附約進位數)","v":0},null,"首期表定保費",{"$f":"ROUND(BWPNTR2_原始保費,豁免附約進位數)","v":0},null,"首期表定保費",{"$f":"ROUND(BWPNTR3_原始保費,豁免附約進位數_小數2位)","v":0},null,"首期表定保費",{"$f":"ROUND(BWPNTR4_原始保費,豁免附約進位數_小數2位)","v":0}]
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[]
[]
["高保費折扣",{"$f":"IF(ISNUMBER(O48),O48,\"\")","v":5.0000000000000001E-3}]
["集彙折扣",0]
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[]
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["續期表定保費",{"$f":"IF(AND(總檢核,豁免附約檢核),MAX(BWPNTR1_續期表定保費,BWPNTR2_續期表定保費,BWPNTR3_續期表定保費,BWPNTR4_續期表定保費),0)","v":0},null,"首期折扣後保費總和",{"$f":"ROUND(E109*(1-B105),保費總和折扣後進位數)","v":10038},null,"美滿附約",null,{"$f":"IF(ISNUMBER(BNLTRU1_首期表定保費),ROUND(BNLTRU1_首期表定保費,0),0)","v":0},{"$f":"IF(ISNUMBER(BNLTRU1_首期折扣後保費),BNLTRU1_首期折扣後保費,0)","v":0},{"$f":"IF(AND(BNLTRU1附約保額<>0,BNLTRU1附約保額<>\"\",BNLTRU1附約年期<>\"\"),2,0)","v":0}]
["首期折扣後保費",{"$f":"IF(AND(總檢核,豁免附約檢核),MAX(BWPNTR1_首期折扣後保費,BWPNTR2_首期折扣後保費,BWPNTR3_首期折扣後保費,BWPNTR4_首期折扣後保費),0)","v":0},null,"續期折扣後保費總和",{"$f":"ROUND(E110*(1-B106),保費總和折扣後進位數)","v":10038},null,"豁免附約",null,{"$f":"IF(B110=\"\",0,B110)","v":0},{"$f":"B112","v":0},{"$f":"IF(AND(OR(豁免附約一是否附加=\"附加\",豁免附約二是否附加=\"附加\"),豁免附約檢核),3,0)","v":0}]
["續期折扣後保費",{"$f":"IF(AND(總檢核,豁免附約檢核),MAX(BWPNTR1_續期折扣後保費,BWPNTR2_續期折扣後保費,BWPNTR3_續期折扣後保費,BWPNTR4_續期折扣後保費),0)","v":0},null,null,null,null,null,"總保險費",{"$f":"IF(首期繳費折扣<>0,ROUND((I109+I111+I110+I112)*(1-首期繳費折扣),0),(I109+I111+I110+I112))","v":10038}]
[null,null,null,null,null,null,null,"最後一隻附約",{"$f":"MAX(K109:K112)","v":0}]
[]
["保額推估計算"]
[null,"Round( X*99% , 0)=Y  則  Y-0.5<= X*99% <=Y+0.499",null,null,">>2024/10/28修改，從0.49999999999改為0.499(配合ePOS語言位數計算調整)"]
["Step 1 還原轉帳匯款折扣",null,"取整數"," "]
["轉帳匯款折扣",{"$f":"IF(AND(首期繳費折扣<>\"\",首期繳費折扣<>0),\"Y\",\"N\")","v":"Y"}]
["上界",{"$f":"(保額+0.499)/(1-首期繳費折扣)","v":101010.60505050505},{"$f":"ROUNDDOWN(B120,0)","v":101010}]
["下界",{"$f":"(保額-0.5)/(1-首期繳費折扣)","v":101009.59595959596},{"$f":"ROUNDUP(B121,0)","v":101010}]
["折扣前保費",{"$f":"IF(B119=\"Y\",C120,保額)","v":101010}]
["Step 2 還原集彙折扣"]
["集彙折扣",{"$f":"IF(AND(B104<>\"\",B104<>0),\"Y\",\"N\")","v":"N"}]
["上界",{"$f":"(B122+0.499)/(1-1%)","v":102030.80707070707},{"$f":"ROUNDDOWN(B125,0)","v":102030}]
["下界",{"$f":"(B122-0.5)/(1-1%)","v":102029.79797979798},{"$f":"ROUNDUP(B126,0)","v":102030}]
["折扣前保費",{"$f":"IF(B124=\"Y\",C125,B122)","v":101010}]
["Step 3 還原高保費折扣"]
["高保費折扣",{"$f":"IF((B127)/(1-U29)>=T29,\"Y\",\"N\")","v":"Y"}]
["上界",{"$f":"(B127+0.499)/(1-VLOOKUP(B127,高保費折扣級距,2,TRUE))","v":102548.72994923858},{"$f":"ROUNDDOWN(B130,0)","v":102548}]
["下界",{"$f":"(B127-0.5)/(1-VLOOKUP(B127,高保費折扣級距,2,TRUE))","v":102547.71573604061},{"$f":"ROUNDUP(B131,0)","v":102548}]
["折扣前保費",{"$f":"IF(B129=\"Y\",C130,B127)","v":102548}]
[]
[]
["推估保險金額(B67) - 2022/05/27 advised by Pricing"]
["推估程序","Step 1","Step 2","Step 3","Step 4","Step 5"]
[null,"推估4種保額","回算4種保額之下原始保費","原始保費檢核\nIF(column=0,\"Pass\")","取\"最大\"推估保險金額","Validation"]
[1,{"$f":"INT(ROUNDDOWN(B60/NP_GP,IF(保額單位=\"萬元\",0,IF(保額單位=\"仟元\",1,4)))*保額factor單位)","v":981354},{"$f":"ROUND(ROUND(ROUND($B138/10000*NP_GP*1,3)*(1-0),0)*(1-0),0)","v":100000},{"$f":"$C138-$B$60","v":0},{"$f":"IF(AND(保費推估初始保額>=最低保額,保費推估初始保額<=最高保額),IF(D141=0,B141,IF(AND(D141<>0,D140=0),B140,IF(AND(D141<>0,D140<>0,D139=0),B139,IF(AND(D141<>0,D140<>0,D139<>0,D138=0),B138,\"error\")))))","v":981357},{"$f":"IF(OR(Premium-保額=0,ROUND(ROUND(ROUND(E138/10000*NP_GP*1,3)*(1-高保費折扣率),0)*(1-首期繳費折扣),0)-保額=0),\"\",\"注意期望折扣後保費可能與系統試算後折扣後保費不同\")","v":"注意期望折扣後保費可能與系統試算後折扣後保費不同"}]
[2,{"$f":"$B138+1","v":981355},{"$f":"ROUND(ROUND(ROUND($B139/10000*NP_GP*1,3)*(1-0),0)*(1-0),0)","v":100000},{"$f":"$C139-$B$60","v":0}]
[3,{"$f":"$B139+1","v":981356},{"$f":"ROUND(ROUND(ROUND($B140/10000*NP_GP*1,3)*(1-0),0)*(1-0),0)","v":100000},{"$f":"$C140-$B$60","v":0}]
[4,{"$f":"$B140+1","v":981357},{"$f":"ROUND(ROUND(ROUND($B141/10000*NP_GP*1,3)*(1-0),0)*(1-0),0)","v":100000},{"$f":"$C141-$B$60","v":0}]

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[{"$f":"BNLTRU1商品名稱","v":"保誠人壽美滿人生美元定期壽險附約"}]
["年度","年齡","當年度\n所繳保險費","累積\n所繳保險費","當年度末\n壽險保障","當年度末\n解約金"]
[1,{"$f":"age+A3-1","v":40},{"$f":"IF(A3<=BNLTRU1年期,ROUND(BNLTRU1_首期折扣後年繳化保費,0),0)","v":0},{"$f":"IF(A3<=BNLTRU1年期,ROUND(BNLTRU1_首期折扣後年繳化保費*A3,0),0)","v":0},{"$f":"IF(A3<=BNLTRU1年期,ROUND(BNLTRU1_SA*10000,0),0)","v":0},{"$f":"IF(A3<=BNLTRU1年期,IF(BNLTRU1年期<>0,ROUND(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BNLTRU1年期))&BNLTRU1年期&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age&\"D\"&REPT(\"0\",3-LEN(A3))&A3,BNLTRU1_RV,8,TRUE)*BNLTRU1_SA,0),0),0)","v":0}]
[2,41,{"$f":"IF(A4<=BNLTRU1年期,ROUND(BNLTRU1_續期折扣後年繳化保費,0),0)","v":0},{"$f":"IF(A4<=BNLTRU1年期,ROUND(BNLTRU1_續期折扣後年繳化保費,0)+D3,D3)","v":0},0,0]
[3,42,0,0,0,0]
[4,43,0,0,0,0]
[5,44,0,0,0,0]
[6,45,0,0,0,0]
[7,46,0,0,0,0]
[8,47,0,0,0,0]
[9,48,0,0,0,0]
[10,49,0,0,0,0]
[11,50,0,0,0,0]
[12,51,0,0,0,0]
[13,52,0,0,0,0]
[14,53,0,0,0,0]
[15,54,0,0,0,0]
[16,55,0,0,0,0]
[17,56,0,0,0,0]
[18,57,0,0,0,0]
[19,58,0,0,0,0]
[20,59,0,0,0,0]
[21,60,0,0,0,0]
[22,61,0,0,0,0]
[23,62,0,0,0,0]
[24,63,0,0,0,0]
[25,64,0,0,0,0]
[26,65,0,0,0,0]
[27,66,0,0,0,0]
[28,67,0,0,0,0]
[29,68,0,0,0,0]
[30,69,0,0,0,0]
[31,70,0,0,0,0]
[32,71,0,0,0,0]
[33,{"$f":"age+A35-1","v":72},0,0,{"$f":"IF(A35<=BNLTRU1年期,ROUND(BNLTRU1_SA*10000,0),0)","v":0},{"$f":"IF(A35<=BNLTRU1年期,IF(BNLTRU1年期<>0,ROUND(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BNLTRU1年期))&BNLTRU1年期&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age&\"D\"&REPT(\"0\",3-LEN(A35))&A35,BNLTRU1_RV,8,TRUE)*BNLTRU1_SA,0),0),0)","v":0}]
[34,73,{"$f":"IF(A36<=BNLTRU1年期,ROUND(BNLTRU1_續期折扣後年繳化保費,0),0)","v":0},{"$f":"IF(A36<=BNLTRU1年期,ROUND(BNLTRU1_續期折扣後年繳化保費,0)+D35,D35)","v":0},0,0]
[35,74,0,0,0,0]
[36,75,0,0,0,0]
[37,76,0,0,0,0]
[38,77,0,0,0,0]
[39,78,0,0,0,0]
[40,79,0,0,0,0]
[41,80,0,0,0,0]
[42,81,0,0,0,0]
[43,82,0,0,0,0]
[44,83,0,0,0,0]
[45,84,0,0,0,0]
[46,85,0,0,0,0]
[47,86,0,0,0,0]
[48,87,0,0,0,0]
[49,88,0,0,0,0]
[50,89,0,0,0,0]
[51,90,0,0,0,0]
[52,91,0,0,0,0]
[53,92,0,0,0,0]
[54,93,0,0,0,0]
[55,94,0,0,0,0]
[56,95,0,0,0,0]
[57,96,0,0,0,0]
[58,97,0,0,0,0]
[59,98,0,0,0,0]
[60,99,0,0,0,0]
[61,100,0,0,0,0]
[62,101,0,0,0,0]
[63,102,0,0,0,0]
[64,103,0,0,0,0]
[65,{"$f":"age+A67-1","v":104},0,0,{"$f":"IF(A67<=BNLTRU1年期,ROUND(BNLTRU1_SA*10000,0),0)","v":0},{"$f":"IF(A67<=BNLTRU1年期,IF(BNLTRU1年期<>0,ROUND(VLOOKUP(\"P\"&REPT(\"0\",2-LEN(BNLTRU1年期))&BNLTRU1年期&\"S\"&sex&\"A\"&REPT(\"0\",2-LEN(age))&age&\"D\"&REPT(\"0\",3-LEN(A67))&A67,BNLTRU1_RV,8,TRUE)*BNLTRU1_SA,0),0),0)","v":0}]
[66,105,{"$f":"IF(A68<=BNLTRU1年期,ROUND(BNLTRU1_續期折扣後年繳化保費,0),0)","v":0},{"$f":"IF(A68<=BNLTRU1年期,ROUND(BNLTRU1_續期折扣後年繳化保費,0)+D67,D67)","v":0},0,0]
[67,106,0,0,0,0]
[68,107,0,0,0,0]
[69,108,0,0,0,0]
[70,109,0,0,0,0]
[71,110,0,0,0,0]
[72,111,0,0,0,0]
[73,112,0,0,0,0]
[74,113,0,0,0,0]
[75,114,0,0,0,0]
[76,115,0,0,0,0]
[77,116,0,0,0,0]
[78,117,0,0,0,0]
[79,118,0,0,0,0]
[80,119,0,0,0,0]
[81,120,0,0,0,0]
[82,121,0,0,0,0]
[83,122,0,0,0,0]
[84,123,0,0,0,0]
[85,124,0,0,0,0]
[86,125,0,0,0,0]
[87,126,0,0,0,0]
[88,127,0,0,0,0]
[89,128,0,0,0,0]
[90,129,0,0,0,0]
[91,130,0,0,0,0]
[92,131,0,0,0,0]
[93,132,0,0,0,0]
[94,133,0,0,0,0]
[95,134,0,0,0,0]
[96,135,0,0,0,0]
[97,{"$f":"age+A99-1","v":136},0,0,0,0]
[98,{"$f":"age+A100-1","v":137},0,0,0,0]
[99,{"$f":"age+A101-1","v":138},0,0,0,0]
[100,{"$f":"age+A102-1","v":139},0,0,0,0]

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[null,{"$f":"商品名稱&\"(\"&商品代碼&\")\"","v":"保誠人壽美滿相傳外幣終身壽險(113)(定期給付型)(ARLPLU42)"}]
[]
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[null,"保單\n年度","保險\n年齡","折扣後\n當年度末\n保險費","折扣後\n累積總繳\n保險費","折扣前\n累積總繳\n保險費","數理表保障","當年度末\n壽險保障","當年度末\n解約金","生存金","當年度末\n保單價值準備金","減額繳清\n保險金額","非保證給付項目(無)",null,null,null,"非保證給付項目(中)",null,null,null,"非保證給付項目(低)",null,null,null,"假設紅利_壽險保障(非保證給付項目)",null,null,null,null,null,null,null,null,"假設紅利_解約金(非保證給付項目)",null,null,null,null,null,null,null,null,"部分提領_無",null,null,null,null,null,null,null,null,null,null,null,"部分提領_中",null,null,null,null,null,null,null,null,null,null,null,"部分提領_低",null,null,null,null,null,null,null,null,null,null,null,"應付巢狀層級\n多於7\n(勿刪)","非保證給付項目(中)",null,"當年度末\n保單價值準備金\n(綜合險)"]
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[null,10,49,0,60228,61140,125000,125000,46510,0,46510,0,0,0,125000,46510,122764,23102,247764,69612,12140,2285,137140,48795,0,252,25,0,1256,125,0,121508,12015,0,117,12,0,582,58,0,22520,2227,0,0,465,0,100000,46510,125000,0,{"$f":"IF(B16>被保人最大保險年齡,\"\",SUM($AX$7:AX16))","v":0},125000,46510,46510,0,0,696,0,100000,69612,247764,0,{"$f":"IF(B16>被保人最大保險年齡,\"\",SUM($BJ$7:BJ16))","v":0},247764,69612,69612,0,0,488,0,100000,48795,137140,0,{"$f":"IF(B16>被保人最大保險年齡,\"\",SUM($BV$7:BV16))","v":0},137140,48795,48795,"P06S1A40D010",0,23102,117]
[null,11,50,0,60228,61140,120000,120000,47420,0,47420,0,0,0,120000,47420,133471,24244,253471,71664,13170,2392,133170,49812,0,253,25,0,1509,150,0,131962,13020,0,120,12,0,714,71,0,23530,2321,0,0,474,0,100000,47420,120000,0,{"$f":"IF(B17>被保人最大保險年齡,\"\",SUM($AX$7:AX17))","v":0},120000,47420,47420,0,0,717,0,100000,71664,253471,0,{"$f":"IF(B17>被保人最大保險年齡,\"\",SUM($BJ$7:BJ17))","v":0},253471,71664,71664,0,0,498,0,100000,49812,133170,0,{"$f":"IF(B17>被保人最大保險年齡,\"\",SUM($BV$7:BV17))","v":0},133170,49812,49812,"P06S1A40D011",0,24244,120]
[null,12,51,0,60228,61140,115000,115000,48350,0,48350,0,0,0,115000,48350,139143,25422,254143,73772,13699,2504,128699,50854,0,254,25,0,1763,175,0,137380,13524,0,123,12,0,851,85,0,24571,2419,0,0,484,0,100000,48350,115000,0,{"$f":"IF(B18>被保人最大保險年齡,\"\",SUM($AX$7:AX18))","v":0},115000,48350,48350,0,0,738,0,100000,73772,254143,0,{"$f":"IF(B18>被保人最大保險年齡,\"\",SUM($BJ$7:BJ18))","v":0},254143,73772,73772,0,0,509,0,100000,50854,128699,0,{"$f":"IF(B18>被保人最大保險年齡,\"\",SUM($BV$7:BV18))","v":0},128699,50854,50854,"P06S1A40D012",0,25422,123]
[null,13,52,0,60228,61140,110000,110000,49310,0,49310,0,0,0,110000,49310,144843,26641,254843,75951,14228,2618,124228,51928,0,255,25,0,2018,200,0,142825,14028,0,125,12,0,995,99,0,25646,2519,0,0,493,0,100000,49310,110000,0,{"$f":"IF(B19>被保人最大保險年齡,\"\",SUM($AX$7:AX19))","v":0},110000,49310,49310,0,0,760,0,100000,75951,254843,0,{"$f":"IF(B19>被保人最大保險年齡,\"\",SUM($BJ$7:BJ19))","v":0},254843,75951,75951,0,0,519,0,100000,51928,124228,0,{"$f":"IF(B19>被保人最大保險年齡,\"\",SUM($BV$7:BV19))","v":0},124228,51928,51928,"P06S1A40D013",0,26641,125]
[null,14,53,0,60228,61140,105000,105000,50310,0,50310,0,0,0,105000,50310,150568,27897,255568,78207,14758,2735,119758,53045,0,255,25,0,2273,225,0,148295,14533,0,128,13,0,1143,113,0,26754,2622,0,0,503,0,100000,50310,105000,0,{"$f":"IF(B20>被保人最大保險年齡,\"\",SUM($AX$7:AX20))","v":0},105000,50310,50310,0,0,782,0,100000,78207,255568,0,{"$f":"IF(B20>被保人最大保險年齡,\"\",SUM($BJ$7:BJ20))","v":0},255568,78207,78207,0,0,530,0,100000,53045,119758,0,{"$f":"IF(B20>被保人最大保險年齡,\"\",SUM($BV$7:BV20))","v":0},119758,53045,53045,"P06S1A40D014",0,27897,128]
[null,15,54,0,60228,61140,100000,100000,51340,0,51340,0,0,0,100000,51340,161447,29193,261447,80533,15789,2856,115789,54196,0,255,25,0,2528,250,0,158919,15539,0,131,13,0,1298,128,0,27895,2728,0,0,513,0,100000,51340,100000,0,{"$f":"IF(B21>被保人最大保險年齡,\"\",SUM($AX$7:AX21))","v":0},100000,51340,51340,0,0,805,0,100000,80533,261447,0,{"$f":"IF(B21>被保人最大保險年齡,\"\",SUM($BJ$7:BJ21))","v":0},261447,80533,80533,0,0,542,0,100000,54196,115789,0,{"$f":"IF(B21>被保人最大保險年齡,\"\",SUM($BV$7:BV21))","v":0},115789,54196,54196,"P06S1A40D015",0,29193,131]
[null,16,55,0,60228,61140,100000,100000,52370,0,52370,0,0,0,100000,52370,163129,30526,263129,82896,15918,2980,115918,55350,0,257,25,0,2785,275,0,160344,15643,0,134,13,0,1458,144,0,29068,2836,0,0,524,0,100000,52370,100000,0,{"$f":"IF(B22>被保人最大保險年齡,\"\",SUM($AX$7:AX22))","v":0},100000,52370,52370,0,0,829,0,100000,82896,263129,0,{"$f":"IF(B22>被保人最大保險年齡,\"\",SUM($BJ$7:BJ22))","v":0},263129,82896,82896,0,0,554,0,100000,55350,115918,0,{"$f":"IF(B22>被保人最大保險年齡,\"\",SUM($BV$7:BV22))","v":0},115918,55350,55350,"P06S1A40D016",0,30526,134]
[null,17,56,0,60228,61140,100000,100000,53420,0,53420,0,0,0,100000,53420,164817,31900,264817,85320,16047,3107,116047,56527,0,257,25,0,3042,300,0,161775,15747,0,137,13,0,1625,160,0,30275,2947,0,0,534,0,100000,53420,100000,0,{"$f":"IF(B23>被保人最大保險年齡,\"\",SUM($AX$7:AX23))","v":0},100000,53420,53420,0,0,853,0,100000,85320,264817,0,{"$f":"IF(B23>被保人最大保險年齡,\"\",SUM($BJ$7:BJ23))","v":0},264817,85320,85320,0,0,565,0,100000,56527,116047,0,{"$f":"IF(B23>被保人最大保險年齡,\"\",SUM($BV$7:BV23))","v":0},116047,56527,56527,"P06S1A40D017",0,31900,137]
[null,18,57,0,60228,61140,100000,100000,54490,0,54490,0,0,0,100000,54490,166512,33317,266512,87807,16176,3238,116176,57728,0,257,25,0,3299,325,0,163213,15851,0,140,14,0,1798,177,0,31519,3061,0,0,545,0,100000,54490,100000,0,{"$f":"IF(B24>被保人最大保險年齡,\"\",SUM($AX$7:AX24))","v":0},100000,54490,{"$f":"IF(B24=\"\",\"\",AY24+BA24)","v":54490},0,0,878,0,100000,87807,266512,0,{"$f":"IF(B24>被保人最大保險年齡,\"\",SUM($BJ$7:BJ24))","v":0},266512,87807,87807,0,0,577,0,100000,57728,116176,0,{"$f":"IF(B24>被保人最大保險年齡,\"\",SUM($BV$7:BV24))","v":0},116176,57728,57728,"P06S1A40D018",0,33317,140]
[null,19,58,0,60228,61140,100000,100000,55560,0,55560,0,0,0,100000,55560,168213,34775,268213,90335,16307,3373,116307,58933,0,258,26,0,3557,351,0,164656,15956,0,143,14,0,1977,195,0,32798,3178,0,0,556,0,100000,55560,100000,0,{"$f":"IF(B25>被保人最大保險年齡,\"\",SUM($AX$7:AX25))","v":0},100000,55560,55560,0,0,903,0,100000,90335,268213,0,{"$f":"IF(B25>被保人最大保險年齡,\"\",SUM($BJ$7:BJ25))","v":0},268213,90335,90335,0,0,589,0,100000,58933,116307,0,{"$f":"IF(B25>被保人最大保險年齡,\"\",SUM($BV$7:BV25))","v":0},116307,58933,58933,"P06S1A40D019",0,34775,143]
[null,20,59,0,60228,61140,100000,100000,56650,0,56650,0,0,0,100000,56650,169922,36276,269922,92926,16436,3511,116436,60161,0,259,25,0,3816,376,0,166106,16060,0,147,14,0,2162,213,0,34114,3298,0,0,567,0,100000,56650,100000,0,{"$f":"IF(B26>被保人最大保險年齡,\"\",SUM($AX$7:AX26))","v":0},100000,56650,56650,0,0,929,0,100000,92926,269922,0,{"$f":"IF(B26>被保人最大保險年齡,\"\",SUM($BJ$7:BJ26))","v":0},269922,92926,92926,0,0,602,0,100000,60161,116436,0,{"$f":"IF(B26>被保人最大保險年齡,\"\",SUM($BV$7:BV26))","v":0},116436,60161,60161,"P06S1A40D020",0,36276,147]
[null,21,60,0,60228,61140,100000,100000,57750,0,57750,0,0,0,100000,57750,175801,37813,275801,95563,16967,3652,116967,61402,0,260,25,0,4076,401,0,171725,16566,0,150,14,0,2354,231,0,35459,3421,0,0,578,0,100000,57750,100000,0,{"$f":"IF(B27>被保人最大保險年齡,\"\",SUM($AX$7:AX27))","v":0},100000,57750,57750,0,0,956,0,100000,95563,275801,0,{"$f":"IF(B27>被保人最大保險年齡,\"\",SUM($BJ$7:BJ27))","v":0},275801,95563,95563,0,0,614,0,100000,61402,116967,0,{"$f":"IF(B27>被保人最大保險年齡,\"\",SUM($BV$7:BV27))","v":0},116967,61402,61402,"P06S1A40D021",0,37813,150]
[null,22,61,0,60228,61140,100000,100000,58850,0,58850,0,0,0,100000,58850,177534,39394,277534,98244,17097,3797,117097,62647,0,260,25,0,4336,426,0,173198,16671,0,153,15,0,2552,251,0,36842,3546,0,0,589,0,100000,58850,100000,0,{"$f":"IF(B28>被保人最大保險年齡,\"\",SUM($AX$7:AX28))","v":0},100000,58850,58850,0,0,982,0,100000,98244,277534,0,{"$f":"IF(B28>被保人最大保險年齡,\"\",SUM($BJ$7:BJ28))","v":0},277534,98244,98244,0,0,626,0,100000,62647,117097,0,{"$f":"IF(B28>被保人最大保險年齡,\"\",SUM($BV$7:BV28))","v":0},117097,62647,62647,"P06S1A40D022",0,39394,153]
[null,23,62,0,60228,61140,100000,100000,59970,0,59970,0,0,0,100000,59970,179274,41018,279274,100988,17226,3944,117226,63914,0,261,25,0,4597,451,0,174677,16775,0,156,15,0,2757,270,0,38261,3674,0,0,600,0,100000,59970,100000,0,{"$f":"IF(B29>被保人最大保險年齡,\"\",SUM($AX$7:AX29))","v":0},100000,59970,59970,0,0,1010,0,100000,100988,279274,0,{"$f":"IF(B29>被保人最大保險年齡,\"\",SUM($BJ$7:BJ29))","v":0},279274,100988,100988,0,0,639,0,100000,63914,117226,0,{"$f":"IF(B29>被保人最大保險年齡,\"\",SUM($BV$7:BV29))","v":0},117226,63914,63914,"P06S1A40D023",0,41018,156]
[null,24,63,0,60228,61140,100000,100000,61090,0,61090,0,0,0,100000,61090,181020,42686,281020,103776,17356,4097,117356,65187,0,261,25,0,4858,476,0,176162,16880,0,160,15,0,2968,291,0,39718,3806,0,0,611,0,100000,61090,100000,0,{"$f":"IF(B30>被保人最大保險年齡,\"\",SUM($AX$7:AX30))","v":0},100000,61090,61090,0,0,1038,0,100000,103776,281020,0,{"$f":"IF(B30>被保人最大保險年齡,\"\",SUM($BJ$7:BJ30))","v":0},281020,103776,103776,0,0,652,0,100000,65187,117356,0,{"$f":"IF(B30>被保人最大保險年齡,\"\",SUM($BV$7:BV30))","v":0},117356,65187,65187,"P06S1A40D024",0,42686,160]
[null,25,64,0,60228,61140,100000,100000,62230,0,62230,0,0,0,100000,62230,182775,44398,282775,106628,17486,4252,117486,66482,0,263,25,0,5121,501,0,177654,16985,0,163,16,0,3186,312,0,41212,3940,0,0,622,0,100000,62230,100000,0,{"$f":"IF(B31>被保人最大保險年齡,\"\",SUM($AX$7:AX31))","v":0},100000,62230,62230,0,0,1066,0,100000,106628,282775,0,{"$f":"IF(B31>被保人最大保險年齡,\"\",SUM($BJ$7:BJ31))","v":0},282775,106628,106628,0,0,665,0,100000,66482,117486,0,{"$f":"IF(B31>被保人最大保險年齡,\"\",SUM($BV$7:BV31))","v":0},117486,66482,66482,"P06S1A40D025",0,44398,163]
[null,26,65,0,60228,61140,100000,100000,63360,0,63360,0,0,0,100000,63360,184535,46143,284535,109503,17615,4409,117615,67769,0,262,25,0,5383,526,0,179152,17089,0,167,16,0,3411,333,0,42732,4076,0,0,634,0,100000,63360,100000,0,{"$f":"IF(B32>被保人最大保險年齡,\"\",SUM($AX$7:AX32))","v":0},100000,63360,63360,0,0,1095,0,100000,109503,284535,0,{"$f":"IF(B32>被保人最大保險年齡,\"\",SUM($BJ$7:BJ32))","v":0},284535,109503,109503,0,0,678,0,100000,67769,117615,0,{"$f":"IF(B32>被保人最大保險年齡,\"\",SUM($BV$7:BV32))","v":0},117615,67769,67769,"P06S1A40D026",0,46143,167]
[null,27,66,0,60228,61140,100000,100000,64490,0,64490,0,0,0,100000,64490,186303,47929,286303,112419,17745,4571,117745,69061,0,264,25,0,5647,551,0,180656,17194,0,170,16,0,3642,356,0,44287,4215,0,0,645,0,100000,64490,100000,0,{"$f":"IF(B33>被保人最大保險年齡,\"\",SUM($AX$7:AX33))","v":0},100000,64490,64490,0,0,1124,0,100000,112419,286303,0,{"$f":"IF(B33>被保人最大保險年齡,\"\",SUM($BJ$7:BJ33))","v":0},286303,112419,112419,0,0,691,0,100000,69061,117745,0,{"$f":"IF(B33>被保人最大保險年齡,\"\",SUM($BV$7:BV33))","v":0},117745,69061,69061,"P06S1A40D027",0,47929,170]
[null,28,67,0,60228,61140,100000,100000,65630,0,65630,0,0,0,100000,65630,188078,49787,288078,115417,17876,4738,117876,70368,0,264,26,0,5911,577,0,182167,17299,0,173,16,0,3879,378,0,45908,4360,0,0,656,0,100000,65630,100000,0,{"$f":"IF(B34>被保人最大保險年齡,\"\",SUM($AX$7:AX34))","v":0},100000,65630,65630,0,0,1154,0,100000,115417,288078,0,{"$f":"IF(B34>被保人最大保險年齡,\"\",SUM($BJ$7:BJ34))","v":0},288078,115417,115417,0,0,704,0,100000,70368,117876,0,{"$f":"IF(B34>被保人最大保險年齡,\"\",SUM($BV$7:BV34))","v":0},117876,70368,70368,"P06S1A40D028",0,49787,173]
[null,29,68,0,60228,61140,100000,100000,66770,0,66770,0,0,0,100000,66770,189860,52328,289860,119098,18006,4969,118006,71739,0,265,25,0,6176,602,0,183684,17404,0,177,17,0,4123,402,0,48205,4567,0,0,668,0,100000,66770,100000,0,{"$f":"IF(B35>被保人最大保險年齡,\"\",SUM($AX$7:AX35))","v":0},100000,66770,66770,0,0,1191,0,100000,119098,289860,0,{"$f":"IF(B35>被保人最大保險年齡,\"\",SUM($BJ$7:BJ35))","v":0},289860,119098,119098,0,0,717,0,100000,71739,118006,0,{"$f":"IF(B35>被保人最大保險年齡,\"\",SUM($BV$7:BV35))","v":0},118006,71739,71739,"P06S1A40D029",0,52328,177]
[null,30,69,0,60228,61140,100000,100000,67900,0,67900,0,0,0,100000,67900,191649,54966,291649,122866,18136,5209,118136,73109,0,265,25,0,6441,627,0,185208,17509,0,180,17,0,4374,426,0,50592,4783,0,0,679,0,100000,67900,100000,0,{"$f":"IF(B36>被保人最大保險年齡,\"\",SUM($AX$7:AX36))","v":0},100000,67900,67900,0,0,1229,0,100000,122866,291649,0,{"$f":"IF(B36>被保人最大保險年齡,\"\",SUM($BJ$7:BJ36))","v":0},291649,122866,122866,0,0,731,0,100000,73109,118136,0,{"$f":"IF(B36>被保人最大保險年齡,\"\",SUM($BV$7:BV36))","v":0},118136,73109,73109,"P06S1A40D030",0,54966,180]
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[null,47,86,0,60228,61140,100000,100000,84920,0,84920,0,0,0,100000,84920,255381,113125,355381,198045,23287,10335,123287,95255,0,277,25,0,11057,1055,0,244324,22232,0,235,21,0,9389,896,0,103736,9439,0,0,849,0,100000,84920,100000,0,{"$f":"IF(B53>被保人最大保險年齡,\"\",SUM($AX$7:AX53))","v":0},100000,84920,84920,0,0,1980,0,100000,198045,355381,0,{"$f":"IF(B53>被保人最大保險年齡,\"\",SUM($BJ$7:BJ53))","v":0},355381,198045,198045,0,0,953,0,100000,95255,123287,0,{"$f":"IF(B53>被保人最大保險年齡,\"\",SUM($BV$7:BV53))","v":0},123287,95255,95255,"P06S1A40D047",0,113125,235]
[null,48,87,0,60228,61140,100000,100000,85740,0,85740,0,0,0,100000,85740,259609,119495,359609,205235,23622,10894,123622,96634,0,277,26,0,11334,1081,0,248275,22541,0,238,22,0,9718,927,0,109777,9967,0,0,857,0,100000,85740,100000,0,{"$f":"IF(B54>被保人最大保險年齡,\"\",SUM($AX$7:AX54))","v":0},100000,85740,85740,0,0,2052,0,100000,205235,359609,0,{"$f":"IF(B54>被保人最大保險年齡,\"\",SUM($BJ$7:BJ54))","v":0},359609,205235,205235,0,0,966,0,100000,96634,123622,0,{"$f":"IF(B54>被保人最大保險年齡,\"\",SUM($BV$7:BV54))","v":0},123622,96634,96634,"P06S1A40D048",0,119495,238]
[null,49,88,0,60228,61140,100000,100000,86540,0,86540,0,0,0,100000,86540,263856,125954,363856,212494,23956,11456,123956,97996,0,278,25,0,11612,1106,0,252244,22850,0,241,22,0,10049,957,0,115905,10499,0,0,865,0,100000,86540,100000,0,{"$f":"IF(B55>被保人最大保險年齡,\"\",SUM($AX$7:AX55))","v":0},100000,86540,86540,0,0,2125,0,100000,212494,363856,0,{"$f":"IF(B55>被保人最大保險年齡,\"\",SUM($BJ$7:BJ55))","v":0},363856,212494,212494,0,0,980,0,100000,97996,123956,0,{"$f":"IF(B55>被保人最大保險年齡,\"\",SUM($BV$7:BV55))","v":0},123956,97996,97996,"P06S1A40D049",0,125954,241]
[null,50,89,0,60228,61140,100000,100000,87310,0,87310,0,0,0,100000,87310,268124,132506,368124,219816,24290,12026,124290,99336,0,280,25,0,11892,1131,0,256232,23159,0,244,22,0,10383,988,0,122123,11038,0,0,873,0,100000,87310,100000,0,{"$f":"IF(B56>被保人最大保險年齡,\"\",SUM($AX$7:AX56))","v":0},100000,87310,87310,0,0,2198,0,100000,219816,368124,0,{"$f":"IF(B56>被保人最大保險年齡,\"\",SUM($BJ$7:BJ56))","v":0},368124,219816,219816,0,0,993,0,100000,99336,124290,0,{"$f":"IF(B56>被保人最大保險年齡,\"\",SUM($BV$7:BV56))","v":0},124290,99336,99336,"P06S1A40D050",0,132506,244]
[null,51,90,0,60228,61140,100000,100000,88060,0,88060,0,0,0,100000,88060,272408,139135,372408,227195,24624,12599,124624,100659,0,279,25,0,12171,1156,0,260237,23468,0,246,22,0,10718,1018,0,128417,11581,0,0,881,0,100000,88060,100000,0,{"$f":"IF(B57>被保人最大保險年齡,\"\",SUM($AX$7:AX57))","v":0},100000,88060,88060,0,0,2272,0,100000,227195,372408,0,{"$f":"IF(B57>被保人最大保險年齡,\"\",SUM($BJ$7:BJ57))","v":0},372408,227195,227195,0,0,1007,0,100000,100659,124624,0,{"$f":"IF(B57>被保人最大保險年齡,\"\",SUM($BV$7:BV57))","v":0},124624,100659,100659,"P06S1A40D051",0,139135,246]
[null,52,91,0,60228,61140,100000,100000,88770,0,88770,0,0,0,100000,88770,276713,145824,376713,234594,24960,13175,124960,101945,0,281,26,0,12452,1182,0,264261,23778,0,249,22,0,11054,1049,0,134770,12126,0,0,888,0,100000,88770,100000,0,{"$f":"IF(B58>被保人最大保險年齡,\"\",SUM($AX$7:AX58))","v":0},100000,88770,88770,0,0,2346,0,100000,234594,376713,0,{"$f":"IF(B58>被保人最大保險年齡,\"\",SUM($BJ$7:BJ58))","v":0},376713,234594,234594,0,0,1019,0,100000,101945,124960,0,{"$f":"IF(B58>被保人最大保險年齡,\"\",SUM($BV$7:BV58))","v":0},124960,101945,101945,"P06S1A40D052",0,145824,249]
[null,53,92,0,60228,61140,100000,100000,89460,0,89460,0,0,0,100000,89460,281037,152585,381037,242045,25294,13756,125294,103216,0,281,25,0,12733,1207,0,268304,24087,0,252,23,0,11391,1080,0,141194,12676,0,0,895,0,100000,89460,100000,0,{"$f":"IF(B59>被保人最大保險年齡,\"\",SUM($AX$7:AX59))","v":0},100000,89460,89460,0,0,2420,0,100000,242045,381037,0,{"$f":"IF(B59>被保人最大保險年齡,\"\",SUM($BJ$7:BJ59))","v":0},381037,242045,242045,0,0,1032,0,100000,103216,125294,0,{"$f":"IF(B59>被保人最大保險年齡,\"\",SUM($BV$7:BV59))","v":0},125294,103216,103216,"P06S1A40D053",0,152585,252]
[null,54,93,0,60228,61140,100000,100000,90120,0,90120,0,0,0,100000,90120,285380,159413,385380,249533,25629,14340,125629,104460,0,282,25,0,13015,1232,0,272365,24397,0,254,23,0,11729,1111,0,147684,13229,0,0,901,0,100000,90120,100000,0,{"$f":"IF(B60>被保人最大保險年齡,\"\",SUM($AX$7:AX60))","v":0},100000,90120,90120,0,0,2495,0,100000,249533,385380,0,{"$f":"IF(B60>被保人最大保險年齡,\"\",SUM($BJ$7:BJ60))","v":0},385380,249533,249533,0,0,1045,0,100000,104460,125629,0,{"$f":"IF(B60>被保人最大保險年齡,\"\",SUM($BV$7:BV60))","v":0},125629,104460,104460,"P06S1A40D054",0,159413,254]
[null,55,94,0,60228,61140,100000,100000,90760,0,90760,0,0,0,100000,90760,289742,166306,389742,257066,25965,14926,125965,105686,0,282,26,0,13297,1258,0,276445,24707,0,256,23,0,12068,1141,0,154238,13785,0,0,908,0,100000,90760,100000,0,{"$f":"IF(B61>被保人最大保險年齡,\"\",SUM($AX$7:AX61))","v":0},100000,90760,90760,0,0,2571,0,100000,257066,389742,0,{"$f":"IF(B61>被保人最大保險年齡,\"\",SUM($BJ$7:BJ61))","v":0},389742,257066,257066,0,0,1057,0,100000,105686,125965,0,{"$f":"IF(B61>被保人最大保險年齡,\"\",SUM($BV$7:BV61))","v":0},125965,105686,105686,"P06S1A40D055",0,166306,256]
[null,56,95,0,60228,61140,100000,100000,91370,0,91370,0,0,0,100000,91370,294124,178445,394124,269815,26300,15978,126300,107348,0,283,25,0,13580,1283,0,280544,25017,0,259,23,0,12408,1172,0,166037,14806,0,0,914,0,100000,91370,100000,0,{"$f":"IF(B62>被保人最大保險年齡,\"\",SUM($AX$7:AX62))","v":0},100000,91370,91370,0,0,2698,0,100000,269815,394124,0,{"$f":"IF(B62>被保人最大保險年齡,\"\",SUM($BJ$7:BJ62))","v":0},394124,269815,269815,0,0,1073,0,100000,107348,126300,0,{"$f":"IF(B62>被保人最大保險年齡,\"\",SUM($BV$7:BV62))","v":0},126300,107348,107348,"P06S1A40D056",0,178445,259]
[null,57,96,0,60228,61140,100000,100000,91950,0,91950,0,0,0,100000,91950,298525,190731,398525,282681,26635,17039,126635,108989,0,284,25,0,13864,1308,0,284661,25327,0,261,23,0,12748,1203,0,177983,15836,0,0,920,0,100000,91950,100000,0,{"$f":"IF(B63>被保人最大保險年齡,\"\",SUM($AX$7:AX63))","v":0},100000,91950,91950,0,0,2827,0,100000,282681,398525,0,{"$f":"IF(B63>被保人最大保險年齡,\"\",SUM($BJ$7:BJ63))","v":0},398525,282681,282681,0,0,1090,0,100000,108989,126635,0,{"$f":"IF(B63>被保人最大保險年齡,\"\",SUM($BV$7:BV63))","v":0},126635,108989,108989,"P06S1A40D057",0,190731,261]
[null,58,97,0,60228,61140,100000,100000,92500,0,92500,0,0,0,100000,92500,305229,203154,405229,295654,27174,18107,127174,110607,0,285,26,0,14149,1334,0,291080,25840,0,263,23,0,13088,1234,0,190066,16873,0,0,925,0,100000,92500,100000,0,{"$f":"IF(B64>被保人最大保險年齡,\"\",SUM($AX$7:AX64))","v":0},100000,92500,92500,0,0,2957,0,100000,295654,405229,0,{"$f":"IF(B64>被保人最大保險年齡,\"\",SUM($BJ$7:BJ64))","v":0},405229,295654,295654,0,0,1106,0,100000,110607,127174,0,{"$f":"IF(B64>被保人最大保險年齡,\"\",SUM($BV$7:BV64))","v":0},127174,110607,110607,"P06S1A40D058",0,203154,263]
[null,59,98,0,60228,61140,100000,100000,93030,0,93030,0,0,0,100000,93030,311963,215706,411963,308736,27712,19180,127712,112210,0,285,25,0,14434,1359,0,297529,26353,0,265,24,0,13429,1264,0,202277,17916,0,0,930,0,100000,93030,100000,0,{"$f":"IF(B65>被保人最大保險年齡,\"\",SUM($AX$7:AX65))","v":0},100000,93030,93030,0,0,3087,0,100000,308736,411963,0,{"$f":"IF(B65>被保人最大保險年齡,\"\",SUM($BJ$7:BJ65))","v":0},411963,308736,308736,0,0,1122,0,100000,112210,127712,0,{"$f":"IF(B65>被保人最大保險年齡,\"\",SUM($BV$7:BV65))","v":0},127712,112210,112210,"P06S1A40D059",0,215706,265]
[null,60,99,0,60228,61140,100000,100000,93530,0,93530,0,0,0,100000,93530,318729,228374,418729,321904,28251,20261,128251,113791,0,286,25,0,14720,1384,0,304009,26867,0,268,24,0,13769,1295,0,214605,18966,0,0,935,0,100000,93530,100000,0,{"$f":"IF(B66>被保人最大保險年齡,\"\",SUM($AX$7:AX66))","v":0},100000,93530,93530,0,0,3219,0,100000,321904,418729,0,{"$f":"IF(B66>被保人最大保險年齡,\"\",SUM($BJ$7:BJ66))","v":0},418729,321904,321904,0,0,1138,0,100000,113791,128251,0,{"$f":"IF(B66>被保人最大保險年齡,\"\",SUM($BV$7:BV66))","v":0},128251,113791,113791,"P06S1A40D060",0,228374,268]
[null,61,100,0,60228,61140,100000,100000,94010,0,94010,0,0,0,100000,94010,325527,241148,425527,335158,28791,21345,128791,115355,0,287,26,0,15007,1410,0,310520,27381,0,270,24,0,14108,1325,0,227040,20020,0,0,940,0,100000,94010,100000,0,{"$f":"IF(B67>被保人最大保險年齡,\"\",SUM($AX$7:AX67))","v":0},100000,94010,94010,0,0,3352,0,100000,335158,425527,0,{"$f":"IF(B67>被保人最大保險年齡,\"\",SUM($BJ$7:BJ67))","v":0},425527,335158,335158,0,0,1154,0,100000,115355,128791,0,{"$f":"IF(B67>被保人最大保險年齡,\"\",SUM($BV$7:BV67))","v":0},128791,115355,115355,"P06S1A40D061",0,241148,270]
[null,62,101,0,60228,61140,100000,100000,94450,0,94450,0,0,0,100000,94450,332356,254027,432356,348477,29330,22433,129330,116883,0,288,25,0,15295,1435,0,317061,27895,0,272,24,0,14446,1355,0,239581,21078,0,0,945,0,100000,94450,100000,0,{"$f":"IF(B68>被保人最大保險年齡,\"\",SUM($AX$7:AX68))","v":0},100000,94450,94450,0,0,3485,0,100000,348477,432356,0,{"$f":"IF(B68>被保人最大保險年齡,\"\",SUM($BJ$7:BJ68))","v":0},432356,348477,348477,0,0,1169,0,100000,116883,129330,0,{"$f":"IF(B68>被保人最大保險年齡,\"\",SUM($BV$7:BV68))","v":0},129330,116883,116883,"P06S1A40D062",0,254027,272]
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{"sheet":"PE","index":31,"n_rows":52,"n_cols":14,"rows_kept":52,"cut":false,"hidden":true,"merged":[]}
["免體檢額度","Code","Start age","last age","PE_SA",null,"免體檢幣別匯率",{"$f":"體檢保額估算匯率","v":31.91},null,"體檢保額係數","Code","Start age","last age","PE_Number"]
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[null,"S06L10",6,10,6000,null,null,null,null,null,"S06L10",6,10,1]
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[]
["定期壽險附約"]
["免體檢額度","Code","Start age","last age","PE_SA",null,null,null,null,"體檢保額係數","Code","Start age","last age","PE_Number"]
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[null,"S01L05",1,5,1000,null,null,null,null,null,"S01L05",1,5,1]
[null,"S06L10",6,10,1000,null,null,null,null,null,"S06L10",6,10,1]
[null,"S11L15",11,15,1000,null,null,null,null,null,"S11L15",11,15,1]
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[null,"S61L65",61,65,100,null,null,null,null,null,"S61L65",61,65,1]
[]
["特定傷病附約"]
["免體檢額度","Code","Start age","last age","PE_SA",null,null,null,null,"體檢保額係數","Code","Start age","last age","PE_Number"]
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[null,"S01L05",1,5,1000,null,null,null,null,null,"S01L05",1,5,1]
[null,"S06L10",6,10,1000,null,null,null,null,null,"S06L10",6,10,1]
[null,"S11L15",11,15,1000,null,null,null,null,null,"S11L15",11,15,1]
[null,"S16L20",16,20,1000,null,null,null,null,null,"S16L20",16,20,1]
[null,"S21L25",21,25,1000,null,null,null,null,null,"S21L25",21,25,1]
[null,"S26L30",26,30,1000,null,null,null,null,null,"S26L30",26,30,1]
[null,"S31L35",31,35,1000,null,null,null,null,null,"S31L35",31,35,1]
[null,"S36L40",36,40,1000,null,null,null,null,null,"S36L40",36,40,1]
[null,"S41L45",41,45,600,null,null,null,null,null,"S41L45",41,45,1]
[null,"S46L50",46,50,600,null,null,null,null,null,"S46L50",46,50,1]
[null,"S51L55",51,55,300,null,null,null,null,null,"S51L55",51,55,1]
[null,"S56L60",56,60,300,null,null,null,null,null,"S56L60",56,60,1]
[null,"S61L65",61,65,100,null,null,null,null,null,"S61L65",61,65,1]
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