這是主約保險
這張保險可以單獨購買，也可以搭配其他附約保險一起購買。
這是定期險
通常繳費期間等於保障期間，假設選擇20年期，代表繳費20年保障20年，每年保費都不會變，20年到了就沒有保障；有些會保障到固定年齡，如繳費10年保障到65歲。
這張保險還沒做好 :(
保險商品真的太多了......再給我們一點時間。
如果急著想了解這張商品，問問網站其他會員，
可以得到即時的建議哦！
-1/39
中國人壽輕鬆致富投資連結壽險
中國人壽輕鬆致富投資連結壽險中國人壽輕鬆致富投資連結壽險
中國人壽輕鬆致富投資連結壽險
保單條款
保單條款保單條款
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】
※本商品所連結之一切投資標的，其發行或管理機構以往之投資績效不保證未來之投資收益
，除保險契約另有約定外，本公司不負投資盈虧之責。
※本商品經本公司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，應由本公司及負責人依法負責。
※稅法相關規定之改變可能會影響本險之投資報酬及給付金額。
※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)。
0800 021200
92.05.13
0920704039
www.chinalife.com.tw
92.06.10
0920705334
92.07.11
0920706893
92.12.18
0920712407
92.12.26
92 1733
93.02.23
0930701602
93.09.01
93 0997
93.11.09
93 1269
94.02.23
09402016190
94.06.13
09402062010
94.12.27
94 1642
96 8 31
95 9 1 0950252225B
【保險契約的構成】
【名詞定義】
-2/39
【保險責任的開始及交付保險費】
【契約撤銷權】
【告知義務與本契約的解除】
【貨幣單位與匯率計算】
-3/39
【保險金額或投資帳戶價值的減少】
【投資帳戶價值的計算及通知】
【契約的終止】
【保險事故的通知與保險金的申請時間】
【失蹤處理】
【保險範圍與保險給付】
-4/39
【身故保險金的申領】
【全殘廢保險金的申領】
【滿期保險金的申領】
【除外責任】
-5/39
【未還款項的扣除】
【保險單借款】
【保險單紅利】
【投資收益的計算及給付】
【年齡的計算及錯誤的處理】
-6/39
【受益人的指定及變更】
【變更住所】
【時效】
【批註】
【管轄法院】
-7/39
【
【【
【附表一
附表一附表一
附表一】
】】
】
殘
殘殘
殘
廢
廢廢
廢
程
程程
程
度
度度
度
表
表表
表
等級
項別
殘
廢
程
度
1
2 3
4
1
1
2
3
2
1
2
3
3
4
-8/39
【
【【
【附表二
附表二附表二
附表二】
】】
】費用
費用費用
費用
10
6 7 8 10
14 573
230
688
277
800
323
1,017
411
15 648
252
763
299
875
345
1,091
432
16 703
271
818
317
929
363
1,144
448
17 732
284
846
330
957
375
1,172
459
18 737
293
850
338
961
382
1,177
466
19 738
297
851
341
962
385
1,180
471
20 738
296
851
341
962
384
1,184
475
21 736
294
850
339
963
384
1,190
480
22 735
292
851
338
966
385
1,202
488
23 736
291
854
340
973
390
1,220
501
24 740
293
862
345
986
400
1,247
519
25 749
300
875
356
1,006
415
1,285
544
26 763
312
896
373
1,035
437
1,336
575
27 784
329
926
395
1,075
463
1,399
613
28 813
351
966
421
1,127
496
1,477
656
29 853
377
1,017
453
1,191
532
1,568
705
30 902
406
1,080
487
1,267
573
1,674
758
31 962
437
1,153
525
1,356
617
1,793
816
32 1,031
471
1,238
565
1,455
664
1,927
878
33 1,110
507
1,332
608
1,567
714
2,076
945
34 1,196
546
1,436
654
1,689
768
2,238
1,018
35 1,290
587
1,548
703
1,821
827
2,415
1,098
36 1,392
631
1,670
757
1,965
891
2,607
1,187
37 1,501
679
1,803
815
2,121
961
2,815
1,285
38 1,620
731
1,946
880
2,290
1,040
3,039
1,395
39 1,749
790
2,101
953
2,474
1,128
3,282
1,520
40 1,890
857
2,271
1,035
2,673
1,227
3,545
1,659
41 2,043
932
2,454
1,128
2,889
1,340
3,830
1,815
42 2,209
1,017
2,653
1,234
3,122
1,467
4,138
1,986
43 2,389
1,114
2,868
1,353
3,374
1,609
4,472
2,172
44 2,583
1,224
3,101
1,485
3,647
1,765
4,833
2,372
45 2,792
1,345
3,352
1,630
3,942
1,933
5,226
2,586
46 3,019
1,477
3,624
1,786
4,263
2,112
5,652
2,814
47 3,264
1,618
3,919
1,951
4,610
2,300
6,117
3,059
48 3,531
1,766
4,240
2,123
4,990
2,500
6,625
3,326
49 3,822
1,919
4,591
2,304
5,405
2,712
7,180
3,620
50 4,140
2,078
4,975
2,496
5,860
2,943
7,788
3,947
51 4,491
2,248
5,398
2,705
6,359
3,198
8,455
4,312
52 4,876
2,434
5,862
2,939
6,908
3,486
9,184
4,720
53 5,300
2,647
6,373
3,207
7,510
3,814
9,980
5,176
54 5,766
2,893
6,935
3,515
8,170
4,187
10,849
5,684
55 6,280
3,180
7,550
3,868
8,892
4,609
11,794
6,248
56 6,843
3,510
8,224
4,269
9,679
5,081
12,820
6,873
57 7,459
3,882
8,959
4,715
10,536
5,604
13,932
7,561
58 8,131
4,294
9,758
5,206
11,467
6,178
15,134
8,314
59 8,863
4,743
10,627
5,740
12,477
6,801
16,433
9,137
60 9,657
5,227
11,569
6,317
13,569
7,478
17,831
10,031
61 10,519
5,748
12,588
6,941
14,749
8,212
19,335
11,005
62 11,453
6,313
13,691
7,620
16,022
9,011
20,949
12,065
63 12,465
6,929
14,884
8,361
17,395
9,885
22,680
13,222
64 13,561
7,605
16,172
9,175
18,874
10,844
24,530
14,485
65 14,748
8,352
17,562
10,072
20,465
11,897
26,505
15,865
66 16,030
9,177
19,059
11,061
22,172
13,054
28,608
17,370
67 17,415
10,089
20,669
12,148
24,001
14,322
30,839
19,010
68 18,907
11,092
22,398
13,341
25,955
15,709
33,199
20,790
69 20,512
12,193
24,249
14,647
28,038
17,222
35,687
22,716
70 22,236
13,400
26,228
16,073
30,252
18,867
38,300
24,793
71 24,084
14,718
28,336
17,625
32,598
20,651
41,031
27,025
72 26,058
16,155
30,576
19,310
35,074
22,580
43,873
29,414
73 28,163
17,719
32,949
21,135
37,678
24,660
46,815
31,963
74 30,401
19,417
35,454
23,109
40,407
26,897
49,844
34,671
75 32,772
21,257
38,088
25,236
43,252
29,294
52,943
37,533
76 35,277
23,247
40,847
27,523
46,204
31,853
77 37,913
25,392
43,722
29,971
49,250
34,574
78 40,675
27,697
46,705
32,583
79 43,557
30,165
-9/39
【
【【
【附表三
附表三附表三
附表三】
】】
】
【投資標的之發行或保證公司介紹】
本契約所提供之結構式債券（Structure Notes），其所屬之公司如下：
HSBC Bank Plc
HSBC Bank Plc
HSBC Bank Plc
1. 2002/6/30 7,460
2.
3. 81
1.Moody's Investor Service Aa2
2.Standard & Poor's Rating Group AA-
Deutsche Bank AG
Deutsche Bank AG
Deutsche Bank AG
1. 1870 132
2.2002 1 (Euromoney) 2001
9 (The Banker)
3. 70 2086 9 2 1200
4.2002 9180
1.Moody's Investor Service Aa3
2.Standard & Poor's Rating Group AA-
RaboBank
RaboBank
RaboBank
1. 19 2,000
2.
3. 34 143 18 29
1995
1.Moody's Investor Service Aaa
2.Standard & Poor's Rating Group AAA
Soci t G n rale
Société Générale Acceptance N.V. (SGA)
Société Générale
1. 1864 6 15 2002 12 31 240
1 /
2. Risk Magazine 2001 2002 IFR 2002 The Banker 2003
3. 80 8
1.Moody's Investor Service Aa3
2.Standard & Poor's Rating Group AA-
3.Fitch Ratings
AA-
JP Morgan
: (JP Morgan International Derivatives Ltd. )
: (JP Morgan Chase Bank)
-10/39
1.
2000
2. 2002 7,590
3. ,
4. 100,000 50
1.Moody’s Investor Service Aa2
2.Standard & Poor’s Rating Group AA-
BNP Paribas Group
BNP Paribas Group
BNP Paribas Group
1. 1993 2000
( ) ( 2001 12 445 )
2. 2001 8252 40 18.2%
3. 80
4. 87 78
1.Moody’s Investor Service Aa2
2.Standard & Poor’s Rating Group AA
ABN AMRO Bank N.V.
ABN AMRO Bank N.V.
ABN AMRO Bank N.V.
1. 1824 2003 6 6140 60 3000
2. 3 Wholesale Clients Consumer & Commercial Clients
Private Clients & Asset Management
3. 30
1.Moody’s Investor Service Aa2
2.Standard & Poor’s Rating Group AA-
Citigroup Global Markets Holdings Inc
Allegro Investment Corporation -
Citigroup Global Markets Holdings Inc
1. Citigroup Inc
2. 1997 2 12 2003 4 7
3. 500
12,600
4. 2002 10,970 2,920
1.Moody’s Investor Service Aa1
2.Standard & Poor’s Rating Group AA-
The Royal Bank of Scotland
The Royal Bank of Scotland
The Royal Bank of Scotland
1. 1727
2. 2002 3,950
3.
1.Moody’s Investor Service Aa1
2.Standard & Poor’s Rating Group AA-
-11/39
Banque ET Caisse D’Epargne De L’ETAT
Banque ET Caisse D’Epargne De L’ETAT
Banque ET Caisse D’Epargne De L’ETAT
1. 1856
2. 2002 360
3. One-stop Shopping
1.Moody’s Investor Service Aa1
2.Standard & Poor’s Rating Group AA+
UBS AG
UBS AG
UBS AG
1.2002 12 31 BIS 11.3% 20,370
2. 389.91 794.48
3. 50 69,061
1.Moody’s Investor Service Aa2
2.Standard & Poor’s Rating Group AA+
(Barclays Bank PLC)
(Barclays Bank PLC)
(Barclays Bank PLC)
1. 6500 , 560
Bloomberg
2.
2002
52
3. 300 60 74,700 2003 6 30
2,077 499
1.Moody's Investor Service Aa1
2.Standard & Poor's Rating Group AA
ING Bank N.V.
ING Bank N.V.
ING Bank N.V.
1. 1845 ING Group 25
2. 7,679 60 61,190 5,000
3. The Bankers 2002 7 3,907.25 19.12
1.Moody's Investor Service Aa2
2.Standard & Poor's Rating Group AA-
(Salomon Smith Barney Holding Inc.)
(Salomon Smith Barney Holding Inc.)
(Salomon Smith Barney Holding Inc.)
1. 100 1
2. 7,000
1.Moody's Investor Service Aa1
2.Standard & Poor's Rating Group AA-
(Morgan Stanley)
(Morgan Stanley)
(Morgan Stanley)
1.1997 2004 2 4,950
-12/39
2.
27 600
1.Moody's Investor Service Aa3
2.Standard & Poor’s Rating Group: A+
(AIG Financial Products Corp.)
(AIG-FP )
(Banque AIG)
(American International Group, Inc.)
1. 130
2.
3. 2002 5,612 2002
553 2002 53
1.Moody's Investor Service Aaa
2.Standard & Poor's Rating Group AAA
(Bank of America Corp.)
: (Bank of America Corp.)
: (Bank of America Corp.)
1. 2003 7,364
2. 31
3.
4. 30 3,000 200
1.Moody’s Investor Service: Aa2
2.Standard & Poor’s Rating Group: A+
(Goldman Sachs Group Inc.)
: (Goldman Sachs Group Inc.)
: (Goldman Sachs Group Inc.)
1. 1869
2. 2003 11 4,038
3. 20 50 19,476
1.Moody’s Investor Service: Aa3
2.Standard & Poor’s Rating Group: A+
(Lloyds TSB Bank Plc)
: (Lloyds TSB Bank Plc)
: (Lloyds TSB Bank Plc)
1. 1865
2. 2003 2520
3. 2,300 40 500
4.Lloyds Aaa (Moody’s)
1.Moody’s Investor Service: Aaa
2.Standard & Poor’s Rating Group: AA
Credit Suisse First Boston
: Credit Suisse First Boston
: Credit Suisse First Boston
1. 2003 7,654
2.
3. 34 69 23,400
-13/39
1.Moody’s Investor Service: Aa3
2.Standard & Poor’s Rating Group: A+
3.Fitch Ratings AA-
Credit Suisse First Boston International
: Credit Suisse First Boston International
: Credit Suisse First Boston International
1. 1990
2.
3. 2003 758
1.Moody’s Investor Service: Aa3
2.Standard & Poor’s Rating Group: A+
3.Fitch Ratings AA-
(Merrill Lynch & Co. Inc.)
: (Merrill Lynch & Co. Inc.)
: (Merrill Lynch & Co. Inc.)
1. 1915 2003 4,945
2. 35 48,100
3.
1.Moody’s Investor Service: AA3
2.Standard & Poor’s Rating Group: A+
(Dexia Banque Internationale a’ Luxembourg)
: (Dexia Banque Internationale a’ Luxembourg)
: (Dexia Banque Internationale a’ Luxembourg)
1. 1856 148 , Dexia
2. 2003 8 22 WORLD’S SAFEEST BANDS (Dexia Banque
Internationale à Luxembourg) 2260 Dexia
1.Moody’s Investor Service Aa1
2.Standard & Poor’s Rating Group AA
(CALYON)
: (CALYON)
: (CALYON)
1. (Credit Lyonnais) Credit Agricole Indosuez 2004 5 1
(Calyon)
2. 29
3. 60
Moody’s Investor Service Aa2
Standard & Poor’s Rating Group AA-
AA-
-14/39
【投資標的、滿期保險金及投資收益計算公式】
※本保險所包含之匯率風險、發行或保證公司之信用風險，
以及中途解約之市場風險均由要保人自行承擔。
＜
＜＜
＜甲型
甲型甲型
甲型＞
＞＞
＞滾雪球定期保本債券
滾雪球定期保本債券滾雪球定期保本債券
滾雪球定期保本債券( Accumulating Snow Ball Note)
1. N
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-15/39
swap rate
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MO US
BAC US
BMY US
CVX US
DD US
XOM US
JNJ US
PEP US
PFE US
KO US
1997/1/31 39.63 54.06 30.16 66.38 54.81 25.91 28.88 32.23 15.42 57.88
1998/1/31 41.50 59.88 47.44 74.75 56.63 29.66 33.47 36.13 27.25 64.75
1999/1/31 46.88 66.88 61.03 74.50 51.19 35.13 42.56 39.00 42.88 65.31
2000/1/31 20.88 48.44 63.06 83.63 59.00 41.44 43.03 34.13 36.19 57.44
2001/1/31 44.00 53.82 58.91 83.28 43.71 42.08 46.57 44.07 45.15 58.00
2002/1/31 50.11 63.03 45.37 83.80 44.17 39.05 57.51 50.09 41.67 43.75
2003/1/31 37.87 70.05 23.59 64.40 37.87 34.15 53.61 40.48 30.36 40.46
R
t
MO US
BAC US
BMY US
CVX US
DD US
XOM US
JNJ US
PEP US
PFE US
KO US
R
t
1998/1/31 104.73%
110.75%
157.30%
112.62%
103.31%
114.48%
115.91%
112.10%
176.76%
111.88%
6.50%
1999/1/31 118.30%
123.70%
202.37%
112.24%
93.39%
135.58%
147.40%
121.02%
278.11%
112.85%
6.50%
2000/1/31 52.68%
89.60%
209.07%
125.99%
107.64%
159.95%
149.03%
105.89%
234.73%
99.24%
1.00%
2001/1/31 111.04%
99.55%
195.31%
125.47%
79.74%
162.41%
161.26%
136.75%
292.86%
100.22%
13.00%
2002/1/31 126.46%
116.59%
150.43%
126.25%
80.58%
150.74%
199.17%
155.43%
270.29%
75.59%
13.00%
2003/1/31 95.57%
129.57%
78.22%
97.02%
69.09%
131.82%
185.66%
125.61%
196.93%
69.91%
1.00%
1997/1/31
75%
%75
0
×<
i
t
i
SS
1
R
1
6.5%
1
0%
1
100 × R
1
+
1
100 × 6.5%+0% 6.5
6.5
2
R
2
6.5%
2
0%
-16/39
2
100 × R
2
+
2
100 × 6.5%+0% 6.5
6.5
3 (
MO US
52.68%)
R
3
1%
3
0%
3
100 × R
3
+
3
100 × 1%+0% 1
1
4
R
4
6.5%+1 × 6.5% 13%
4
0%
4
100 × R
4
+
4
100 × 13%+0% 13
13
5
R
5
6.5%+1 × 6.5% 13%
5
0%
5
100 × R
5
+
5
100 × 13%+0% 13
13
6 (
DD US
69.09%)
R
6
1%
6
0%
6
100 × R
6
+
6
100 × 1%+0% 1
1
100
10
CVX US
BMY US
EK UN
BAC US
XOM US
6764 JP
JNJ US
PEP US
PFE US
4502 JP
1997/1/31 66.38
30.16
86.75
54.06
25.91
510.00
28.88
32.23
15.42
2390.00
1998/1/31 74.75
47.44
65.25
59.88
29.66
375.00
33.47
36.13
27.25
3580.00
1999/1/31 74.50
61.03
65.38
66.88
35.13
356.00
42.56
39.00
42.88
4150.00
2000/1/31 83.63
63.06
61.88
48.44
41.44
457.00
43.03
34.13
36.19
5800.00
2001/1/31 83.28
58.91
43.62
53.82
42.08
956.00
46.57
44.07
45.15
6180.00
2002/1/31 83.80
45.37
28.40
63.03
39.05
512.00
57.51
50.09
41.67
5310.00
2003/1/31 64.40
23.59
30.30
70.05
34.15
340.00
53.61
40.48
30.36
4560.00
R
t
CVX US
BMY US
EK UN
BAC US
XOM US
6764 JP
JNJ US
PEP US
PFE US
4502 JP
R
t
1998/1/31 112.62%
157.30%
75.22%
110.75%
114.48%
73.53%
115.91%
112.10%
176.76%
149.79%
1.00%
1999/1/31 112.24%
202.37%
75.36%
123.70%
135.58%
69.80%
147.40%
121.02%
278.11%
173.64%
1.00%
2000/1/31 125.99%
209.07%
71.33%
89.60%
159.95%
89.61%
149.03%
105.89%
234.73%
242.68%
1.00%
2001/1/31 125.47%
195.31%
50.28%
99.55%
162.41%
187.45%
161.26%
136.75%
292.86%
258.58%
1.00%
2002/1/31 126.25%
150.43%
32.74%
116.59%
150.74%
100.39%
199.17%
155.43%
270.29%
222.18%
1.00%
2003/1/31 97.02%
78.22%
34.93%
129.57%
131.82%
66.67%
185.66%
125.61%
196.93%
190.79%
1.00%
1997/1/31
75%
%75
0
×<
i
t
i
SS
1 (
6764 JP
73.53%)
R
1
1%
1
0%
1
100 × R
1
+
1
100 × 1%+0% 1
1
2 (
6764 JP
69.80%)
R
2
1%
2
0%
2
100 × R
2
+
2
100 × 1%+0% 1
1
3 (
EK UN
71.33%)
R
3
1%
-17/39
3
0%
3
100 × R
3
+
3
100 × 1%+0% 1
1
4 (
EK UN
50.28%)
R
4
1%
4
0%
4
100 × R
4
+
4
100 × 1%+0% 1
1
5 (
EK UN
32.74%)
R
5
1%
5
0%
5
100 × R
5
+
5
100 × 1%+0% 1
1
6 (
EK UN
34.93%
6764 JP
66.67%)
R
6
1%
R
1
R
2
R
6
1%
t
5% × Max 0% , , t 6
1
1.0
1.0
6
1
10
1
0
6
1
10
1
−
×
××
=
∑
∑ ∑
=
= =
i
i
t i
t
i
S
S
10
CVX US
BMY US
EK UN
BAC US
XOM US
6764 JP
JNJ US
PEP US
PFE US
4502 JP
1997/1/31 6.6375
3.0159 8.6750
5.4063
2.5906 51.0000
2.8875
3.2227
1.5417 239.00
323.9772
1998/1/31 7.4750
4.7440 6.5250
5.9875
2.9656 37.5000
3.3469
3.6125
2.7250 358.00
432.8815
1999/1/31 7.4500
6.1033 6.5375
6.6875
3.5125 35.6000
4.2563
3.9000
4.2875 415.00
493.3345
2000/1/31 8.3625
6.3055 6.1875
4.8438
4.1438 45.7000
4.3031
3.4125
3.6188 580.00
666.8774
2001/1/31 8.3280
5.8906 4.3620
5.3820
4.2075 95.6000
4.6565
4.4070
4.5150 618.00
755.3486
2002/1/31 8.3800
4.5370 2.8400
6.3030
3.9050 51.2000
5.7510
5.0090
4.1670 531.00
623.0920
2003/1/31 6.4400
2.3590 3.0300
7.0050
3.4150 34.0000
5.3610
4.0480
3.0360 456.00
524.6940
9772.3231.0)(
10
1
0
=×=
∑
=i
i
Sa
∑ ∑
= =
××=
6
1
10
1
1.0
6
1
)(
t i
t
i
Sb
70.582)6940.5240920.6233486.7558774.6663345.4938815.432(
6
1
=+++++×=
(b)/(a)-1 582.70/323.9772-1 79.86%
6
5% × Max 0% , 79.86% 3.993%
6
100 × R
6
+
6
100 × 1%+3.993% 4.993
4.993
100
-18/39
＜
＜＜
＜丙型
丙型丙型
丙型＞
＞＞
＞一觸得利保本保息債券
一觸得利保本保息債券一觸得利保本保息債券
一觸得利保本保息債券(Bonus Note)
( ) 1
100%
≤ <Τ
=
× × × ≥ <
∑
∑
L
× ≥ <
≥ ≥
∑
∑
∑
-19/39
∑
0
:
m
:
n
% %
≤
<
× × × ≥
∑
∑
L
<
≥
× ≥
≥
∑
∑
≥
∑
-20/39
× ×
∑
∑
∑
∑
∑
(F
K
)
P
t
t
P
∑
≥
∑
-21/39
∑
∑
∑
∑
∑
∑
× ×
× ×
× ×
-22/39
＜
＜＜
＜丁型
丁型丁型
丁型＞
＞＞
＞股票連結債券
股票連結債券股票連結債券
股票連結債券(Equity Linked Note)
1 ( ) N
2
100%
1.
t
=
≤ ≤
1 1 2 2 N N
S -S S -S S -S
t t t
t -1 t -1 t -1
ABS ,ABS ,...,ABS
1 2 N
S S S
t -1 t -1 t -1
Min
=
t
t N (t-1)
2. =
T
t
2002/1/15
1 2002/1/15 2003/1/15 2
2003/1/15 2004/1/15
N
n
t
t N (t-1)
ABS
n
S
t
n t
n
S
t -1
n (t-1)
A% N
-23/39
swap rate
http://www.chinalife.com.tw
% %
1996/3/1 20 ( )
100 50% A%=2% (R
t
)
≤ ≤
1 1 2 2 2 0 20
S -S S -S S -S
t t t
t -1 t -1 t -1
A B S , A B S ,..., A B S
1 2 20
S S S
t -1 t -1 t -1
M in
=
t
20 :
AIG US
AMGN
US
C US
KO
US
4901
JP
HD
US
MSFT
US
NESN
VX
PFE
US
PHIA
NA
RDA
NA
6758 JP
7203 JP
WMT
US
DIS
US
UNA
NA
PFE
US
NOK1V
FH
GSK LN
HSBA
LN
:
AIG US
AMGN
US
C US
KO US
4901
JP
HD US
MSFT
US
NESN
VX
PFE US
PHIA
NA
RDA
NA
6758 JP
7203 JP
WMT
US
DIS US
UNA
NA
PFE US
NOK1V
FH
GSK
LN
HSBA
LN
-24/39
:
t
t
50%×
t
R
t-1
R
t
1
1997/3/3 1.88% 0.94%
-
2.00%
2
1998/3/2 11.86% 5.93%
2.00%
5.93%
3
1999/3/1 2.73% 1.37% 5.93% 5.93%
4
2000/3/1 0.36% 0.18% 5.93% 5.93%
5
2001/3/1 1.35% 0.67% 5.93% 5.93%
6
2002/3/1 0.49% 0.25% 5.93% 5.93%
20 20
1
1 1 1 1
S - S S - S
28.83 - 23.35
t t -1 1 0
AIG US = ABS = ABS = ABS = 23.48%
1 1
23.35
S S
t - 1 0
2 2 2 2
S - S S - S
15.28 - 15
t t - 1 1 0
AM GN US = ABS = ABS = AB S = 1.88%
2 2
15
S S
t - 1 0
3 3
S - S
t t - 1
C US = ABS
3
S
t - 1
3 3
S - S
16.98 - 10.61
1 0
= ABS = ABS = 60.07%
3
10.61
S
0
4 4 4 4
S - S S - S
60.38 - 41.06
t t - 1 1 0
KO US = ABS = AB S = ABS = 47.03%
4 4
41.06
S S
t - 1 0
20 20
S - S
t t - 1
HSB A LN = ABS = A
20
S
t - 1
ABS ABS AB S
1
20 20
S - S
517.33 - 361.33
1 0
BS = AB S = 43.17%
20
361.33
S
0
1 1 2 2 20 20
S -S S -S S -S
1 0 1 0 0 0
= M in , ,...,
1 2 20
S S S
0 0 0
{ }
= M in 23.48% , 1.88% , ...,43.17% = 1.88%
．
．
．
．
．
．
．
-25/39
6
1 1 1 1
S - S S - S
7 3 . 7 3 - 8 2 .1 5
t t - 1 6 5
A I G U S = A B S = A B S = A B S = 1 0 . 2 5 %
1 1
8 2 .1 5
S S
t - 1 5
2 2 2 2
S - S S - S
5 8 . 5 3 - 7 1 . 0 2
t t - 1 6 5
A M G N U S = A B S = A B S = A B S = 1 7 . 5 8 %
2 2
7 1 . 0 2
S S
t - 1 5
3 3
S - S
t t - 1
C U S = A B S
3 3
S - S
4 2 . 7 2 - 4 5 . 3 7
6 5
= A B S = A B S = 5 .8 6 %
3 3
4 5 .3 7
S S
t - 1 5
4 4 4 4
S - S S - S
4 8 .4 1 - 5 2 .7 0
t t - 1 6 5
K O U S = A B S = A B S = A B S = 8 .1 4 % g
4 4
5 2 . 7 0
S S
t - 1 5
2 0 2 0
S - S
t t - 1
H S B A L N = A B S
2 0
S
t - 1
A B S A B S A B S
6
2 0 2 0
S - S
7 7 8 - 9 0 4
6 5
= A B S = A B S = 1 3 . 9 4 %
2 0
9 0 4
S
5
1 1 2 2 2 0 2 0
S -S S -S S -S
5 5 5
6 6 6
= M in , ,. .. ,
1 2 2 0
S S S
5 5 5
{ }
= M i n 1 0 . 2 5 % ,1 7 .5 8 % ,.. .,1 3 .9 4 % = 0 .4 9 %
(1) 50% 2%(A%)
:
1 R
1=
max(50% 1.88%, 2%)=2%
1
= ×R
1
= 100 × 2%= 2
= 2
(2) 50%
2 R
2=
Max(2%, 50% 11.86%)=5.93%
2
= ×R
2
= 100 × 5.93%= 5.93
=5.93
3 R
3
= Max(5.93%, 50% 2.73%)=5.93%
3
= ×R
3
= 100 × 5.93%=5.93
= 5.93
4 R
4
= Max(5.93%, 50% 0.36%)= 5.93%
4
= ×R
4
=100 × 5.93%=5.93
= 5.93
5 R
5
= Max(5.93%, 50% 1.35%) = 5.93%
5
= ×R
5
= 100 ×5.93% = 5.93
= 5.93
6 R
6
= Max(5.93%, 50% 0.49%) = 5.93%
6
= ×R
6
= 100 × 5.93%=5.93
= 5.93
100
-26/39
＜
＜＜
＜戊型
戊型戊型
戊型＞
＞＞
＞年年高昇保本保息債券
年年高昇保本保息債券年年高昇保本保息債券
年年高昇保本保息債券(Red Note)
1. N
s
2. 1
3.
100%
1.
t
× R
t
+
t
≥
−
×+
=
−
×+
=
=
=−
=
3, %%,
2, %%%,
1, %
0,
0,,
11
0,
0,2,
1
t
Stock
StockStock
MinBkRMax
t
Stock
StockStock
MinBkAMax
tD
R
i
iti
Ntoit
i
ii
Ntoit
% ,
% ,
0 ,
t
X
G
∑ =
D% A% k% B% X% E h C% G% n F%
2.
T
t
2002/1/15
1 2002/1/15 2003/1/14 2 2003/1/15 2004/1/14
n
n 2002/1/15
1 2002/1/15 2002/2/14 2 2002/2/15
2002/3/14 3 2002/3/15 2002/4/14
R
t
t
Stock
i,
t
i t
-27/39
Stock
i,
0
i
D%
swap rate
http://www.chinalife.com.tw
% %
1991 12 12 10 15 N
s
N
i
S&P 500 Index 100
D%( )=5.5% A%=0% k%=5% B%=20% X%=50% E=10 h=5 C%=150% G%=100%
n=61 F%=70%
t
× R
t
+
t
≥
−
×+
=
−
×+
=
=
=−
=
3, %20%5,
2, %20%5%,0
1, %5.5
0,
0,,
51 11
0,
0,2,
51 1
t
Stock
StockStock
MinRMax
t
Stock
StockStock
MinMax
t
R
i
iti
toit
i
ii
toit
50% ,
100% ,
t
∑ =
15
MO
US
BMY
US
KO
US
HPQ
US
MOT
US
PEP
US
TXN
US
TYC
US
BLS
US
7751
JP
ERICB
SS
QCOM
US
6758
JP
7203
JP
XLNX
US
1991/12/12
23.21
18.86
17.94
4.83
5.03
14.50
1.73
3.64
12.38
1400
2.16
0.98
2070
1470
225.00
1992/12/12
26.13
16.80
19.75
6.38
8.49
19.64
2.95
5.11
12.88
1360
3.83
1.53
2060
1440
197.92
1993/12/12
18.50
13.83
21.88
7.39
14.96
19.00
3.75
5.92
14.50
1440
7.19
3.34
2670
1790
389.58
1994/12/12
18.83
13.83
24.94
9.32
18.63
16.52
4.52
5.66
13.28
1700
8.55
3.24
2690
2060
483.33
2001/12/12
45.34
50.45
45.98
21.81
16.92
47.09
32.20
55.95
38.14
4590
44.78
57.67
6030
3080
42.24
15 61 6
MO
US
BMY
US
KO
US
HPQ
US
MOT
US
PEP
US
TXN
US
TYC
US
BLS
US
7751
JP
ERICB
SS
QCOM
US
6758
JP
7203
JP
XLNX
US
1991/12/12
23.21
18.86
17.94
4.83
5.03
14.50
1.73
3.64
12.38
1400
2.16
0.98
2070
1470
225.00
1997/1/13
38.25
27.60
54.00
21.31
21.92
27.26
8.42
13.78
19.75
2330
20.67
5.33
3680
3110
9.41
1997/2/12
40.50
31.38
60.25
19.80
21.25
29.80
10.06
14.88
23.31
2630
22.21
7.72
4450
3360
11.75
1997/3/12
46.00
31.23
61.00
21.31
19.04
29.57
10.61
15.09
21.88
2600
23.97
7.17
4420
3120
11.31
1997/4/12
38.50
27.90
55.63
19.36
19.58
30.15
10.38
14.38
19.88
2810
22.16
6.66
4475
3350
11.97
2001/12/12
45.34
50.45
45.98
21.81
16.92
47.09
32.20
55.95
38.14
4590
44.78
57.67
6030
3080
42.24
-28/39
S&P 500
1991/12/12
381.55
1996/12/12
729.30
15
MO
US
BMY
US
KO
US
HPQ
US
MOT
US
PEP
US
TXN
US
TYC
US
BLS
US
7751
JP
ERICB
SS
QCOM
US
6758
JP
7203
JP
XLNX
US
1993/1/12
-20.29%
-26.66% 21.95% 53.03% 197.30% 31.08% 116.21% 62.66%
17.17%
2.86% 232.87%
241.40%
28.99%
21.77%
73.15% -26.66%
1994/2/12
-18.85%
-26.66% 39.02% 92.93% 270.18% 13.94% 160.80% 55.37%
7.32%
21.43% 295.83%
231.24%
29.95%
40.14%
114.81% -26.66%
1995/3/12
30.16%
8.20% 123.34% 235.86% 307.45% 84.46% 292.79% 127.47%
66.67%
33.57% 516.67%
398.43%
40.34%
40.14%
195.84% 8.20%
1996/4/12
63.38%
37.22% 166.90% 311.11% 255.28% 84.06% 376.57% 255.37%
53.03%
76.43% 727.31%
389.05%
81.40%
113.61%
355.56% 37.22%
1997/2/12
94.17%
144.64% 262.02% 392.43% 270.18% 142.30% 489.18% 449.36%
126.52%
118.57% 1101.39%
533.58%
168.12%
146.94%
259.72% 94.17%
1998/3/12
122.98%
205.52% 253.66% 413.13% 268.53% 155.67% 1036.02% 795.29%
260.61%
78.21% 1425.46%
527.81%
100.48%
104.76%
509.72% 78.21%
1999/4/12
6.10%
235.96% 245.62% 770.43% 751.75% 143.60% 2958.07% 751.51%
283.40%
158.57% 4121.30%
10572.79%
364.98%
157.82%
1833.33% 6.10%
2000/12/12
67.50%
241.96% 223.34% 630.01% 313.66% 226.81% 2945.00% 1484.56%
247.98%
202.14% 4179.63%
9082.34%
329.95%
166.67%
1972.22% 67.50%
2001/12/12
95.36%
167.54% 156.33% 351.67% 236.29% 224.84% 1756.55% 1436.83%
208.20%
227.86% 1973.15%
5796.13%
191.30%
109.52%
1777.33% 95.36%
15 61 70%
MO
US
BMY
US
KO
US
HPQ
US
MOT
US
PEP
US
TXN
US
TYC
US
BLS
US
7751
JP
ERICB
SS
QCOM
US
6758
JP
7203
JP
XLNX
US
1991/12/12
23.21
18.86
17.94
4.83
5.03
14.50
1.73
3.64
12.38
1400
2.16
0.98
2070
1470
225.00
61 70%
1997/1/13
1997/2/12
1997/3/12
1997/4/12
2001/12/12
150%
729.30/381.55 191.14% 150%
61 70%
1
1
× R
1
100 × 5.5% 5.5
5.5
2
2
× R
2
100 × Max 0% , 5%+20% × (-26.66%) 0
0
3
3
× R
3
100 × Max 0% , 5%+20% × (-26.66%) 0
0
4
4
× R
4
100 × Max 0% , 5%+20% × (8.20%) 6.64
6.64
5
5
× R
5
100 × Max 6.64% , 5%+20% × (37.22%) 12.44
12.44
6
6
× R
6
100 × Max 12.44% , 5%+20% × (94.17%) 23.83
23.83
7
7
× R
7
100 × Max 23.83% , 5%+20% × (78.21%) 23.83
23.83
8
8
× R
8
100 × Max 23.83% , 5%+20% × (6.10%) 23.83
23.83
9
9
× R
9
100 × Max 23.83% , 5%+20% × (67.50%) 23.83
23.83
10
10
× R
10
+
10
100 × Max 23.83% , 5%+20% × (95.36%) +100% +50%
100 × 24.07%+100%+50% 174.07
174.07
15 61
70% 100%
-29/39
500 500
150% 50%
100
-30/39
＜
＜＜
＜己型
己型己型
己型＞
＞＞
＞三重奏保本保息債券
三重奏保本保息債券三重奏保本保息債券
三重奏保本保息債券(Bonus Note)
1. 1
2.
100%
Z%
1.
2. 100% 1 Month USD Libor
1 Month USD Libor 2
1.
t
× R
t
≥
≥≤≤
≤≤≤
<<≤≤
=
=
2, 1
%2, %
%2, %
%%2, %
1, %
0
4
0
3
0
2
1
tLiborUSDMonth
Y
I
I
TtD
X
I
I
TtD
Y
I
I
XTtD
tD
R
t
t
t
t
D
1
% D
2
% D
3
% D
4
% X% Y% Z%
2.
t
2002/1/15
1 2002/1/15 2003/1/14 2 2003/1/15 2004/1/14
R
t
t
I
t
t
I
0
D
1
%
swap rate
http://www.chinalife.com.tw
-31/39
% %
-32/39
1992 11 30 10 Nikkei 225
100
D
1
%=5% ( ) D
2
%=6% D
3
%=1.25% D
4
%=1.25% X%=85% Y%=115% Z%=115%
t
× R
t
≥
≥≤≤
≤≤≤
<<≤≤
=
=
2, 1
%115102, .25%1
%85102, .25%1
%115%85102, %6
1, %5
0
0
0
tLiborUSDMonth
I
I
t
I
I
t
I
I
t
t
R
t
t
t
t
115%
Nikkei 225
t /
NKY Index
I
t
/ I
0
0
1992/11/30 17683.65
1 1993/11/30 16406.54
2 1994/11/30 19075.62 107.87%
3 1995/11/30 18744.42 106.00%
4 1996/11/29 21020.36 118.87%
5 1997/11/28 16636.26 94.08%
6 1998/11/30 14883.70 84.17%
7 1999/11/30 18558.23 104.95%
8 2000/11/30 14648.51 82.84%
9 2001/11/30 10697.44 60.49%
10 2002/11/29 9215.56 52.11%
Nikkei 225
I
t
/ I
0
115%
1
1
× R
1
100 × 5% 5
5
2 107.87% 115%
2
× R
2
100 × 6% 6
6
3 106.00% 115%
3
× R
3
100 × 6% 6
6
4 118.87% 115%
4
× R
4
100 × 1.25% 1.25
1.25
100
-33/39
1 Month USD Libor
t /
1 Month USD Libor
1 1993/11/28 3.56%
2 1994/11/28 5.63%
3 1995/11/28 5.86%
4 1996/11/28 5.56%
5 1997/11/28 5.97%
6 1998/11/28 5.62%
7 1999/11/28 6.48%
8 2000/11/28 6.62%
9 2001/11/28 2.08%
10 2002/11/28 1.44%
5
5
R
5
100 5.97% 5.97
5.97
6
6
R
6
100 5.62% 5.62
5.62
7
7
R
7
100 6.48% 6.48
6.48
8
8
R
8
100 6.62% 6.62
6.62
9
9
R
9
100 2.08% 2.08
2.08
10
10
R
10
100 1.44% 1.44
1.44
100
-34/39
【
【【
【附表四
附表四附表四
附表四】
】】
】投資標的之介紹
投資標的之介紹投資標的之介紹
投資標的之介紹
本契約所提供之結構式債券（Structure Notes），其連結標的為下列之組合：
1
3M Co MMM.N
54
Carnival Corp CCL.N
2
Abbott Laboratories ABT.N
55
Carrefour SA CARR.PA
3
ABN Amro Holding NV AAH.AS
56
Caterpillar Inc CAT.N
4
Adobe Systems Inc ADBE.OQ
57
Cathay Pacific Airways Ltd 0293.HK
5
Advantest Corp 6857.T
58
Cendant Corp CD.N
6
Aeon Co Ltd 8267.T
59
Cheung Kong Holdings Ltd 0001.HK
7
Aflac Inc AFL.N
60
Cheung Kong Infrastructure Holdings Ltd 1038.HK
8
Alcoa Inc AA.N
61
ChevronTexaco Corp CVX.N
9
Allianz AG ALVG.DE
62
China Mobile Hong Kong Ltd 0941.HK
10
Allstate Corp/The ALL.N
63
China Unicom Ltd 0762.HK
11
Altadis SA ALT.MC
64
Chiron Corp CHIR.OQ
12
Amazon.Com Inc AMZN.OQ
65
Cisco Systems Inc CSCO.OQ
13
American Express Co AXP.N
66
Citic Pacific Ltd 0267.HK
14
American International Group Inc AIG.N
67
Citigroup Inc C.N
15
Amgen Inc AMGN.OQ
68
Clear Channel Communications Inc CCU.N
16
Anheuser-Busch Cos Inc BUD.N
69
CLP Holdings Ltd 0002.HK
17
AOL Time Warner TWX.N
70
CNOOC Ltd 0883.HK
18
Apollo Group Inc APOL.OQ
71
Coca-Cola Co/The KO.N
19
Applied Materials Inc AMAT.OQ
72
Colgate-Palmolive Co CL.N
20
Arcelor CELR.PA
73
Comcast Corp CMCSK.OQ
21
AstraZeneca Plc AZN.L
74
Compagnie De Saint-Gobain SGOB.PA
22
AT&T Corp T.N
75
Compass Group PLC CPG.L
23
AT&T Wireless Services Inc AWE.N
76
ConocoPhillips COP.N
24
Automatic Data Processing Inc ADP.N
77
Consolidated Edison Inc. ED.N
25
Aventis SA AVEP.PA
78
Corning Inc. GLW.N
26
Aviva PLC AV.L
79
Costco Wholesale Corp COST.OQ
27
AXA AXAF.PA
80
Credit Saison Co Ltd 8253.T
28
Bae Systems PLC BA.L
81
Credit Suisse Group CSGN.VX
29
Banco Santander Central Hispano SA SAN.MC
82
CSK Corp 9737.T
30
Bank of America Corp BAC.N
83
Dai Nippon Printing Co Ltd 7912.T
31
Bank of New York Co Inc/The BK.N
84
Daiichi Pharmaceutical Co Ltd 4505.T
32
Bank One Corp ONE.N
85
Daikin Industries Ltd 6367.T
33
Barclays PLC BARC.L
86
DaimlerChrysler AG-REG DCXGn.DE
34
Bayer AG BAYG.DE
87
Dell Inc DELL.OQ
35
BB&T Corp BBT.N
88
Denso Corp 6902.T
36
Bed Bath & Beyond Inc BBBY.OQ
89
Deutsche Bank AG DBKGn.DE
37
BellSouth Corp BLS.N
90
Deutsche Telekom AG DTEGn.DE
38
Biogen Idec Inc BIIB.OQ
91
Diageo Plc DGE.L
39
Biomet Inc BMET.OQ
92
Dominion Resources Inc/VA D.N
40
BNP Paribas BNPP.PA
93
Dow Chemical Co/The DOW.N
41
BOC Hong Kong Holdings Ltd 2388.HK
94
Duke Energy Corp DUK.N
42
Boeing Co/The BA.N
95
E.ON AG EONG.DE
43
Boston Scientific Corp BSX.N
96
Eastman Kodak Co EK.N
44
BP PLC BP.L
97
eBay Inc EBAY.OQ
45
Bridgestone Corp 5108.T
98
EchoStar Communications Corp DISH.OQ
46
Bristol-Myers Squibb Co BMY.N
99
EI Du Pont de Nemours & Co DD.N
47
Broadcom Corp BRCM.OQ
100
Eisai Co Ltd 4523.T
48
BT Group PLC BT.L
101 Electronic Arts Inc ERTS.OQ
49
Cable & Wireless PLC CW.L
102 Electronic Data Systems Corp. EDS.N
50
Cadbury Schweppes PLC CBRY.L
103 Eli Lilly & Co LLY.N
51
Campbell Soup Co. CPB.N
104 EMC Corp/Massachusetts EMC.N
-35/39
52
Canon Inc 7751.T
105 Emerson Electric Co EMR.N
53
Cardinal Health Inc CAH.N
106 Ericsson Lm-B SHS ERICb.ST
107
Exelon Corp EXC.N 167 Konami Corp 9766.T
108
Exxon Mobil Corp XOM.N 168 Koninklijke KPN NV KPN.AS
109
Fannie Mae FNM.N 169 Kookmin Bank 060000.KS
110
Fanuc Ltd 6954.T 170 Korea Electric Power Corp 015760.KS
111
FedEx Corp FDX.N 171 Kraft Foods INC-A KFT.N
112
Fifth Third Bancorp FITB.OQ 172 KT Corp 030200.KS
113
First Data Corp FDC.N 173 Kyocera Corp 6971.T
114
FleetBoston Financial Corp FBF.N 174 Lehman Brothers Holdings Inc LEH.N
115
Flextronics International Ltd FLEX.OQ
175 LG Electronics Inc 066570.KS
116
Ford Motor Co F.N 176 Li & Fung Ltd 0494.HK
117
Forest Laboratories Inc FRX.N 177 Linear Technology Corp LLTC.OQ
118
Fortis FOR.AS 178 Lloyds TSB Group PLC LLOY.L
119
France Telecom FTE.PA 179 Lockheed Martin Corp LMT.N
120
Freddie Mac FRE.N 180 L'Oreal SA OREP.PA
121
Fuji Photo Film Co Ltd 4901.T 181 LVMH Moet Hennessy Louis Vui LVMH.PA
122
Fujisawa Pharmaceutical Co Ltd 4511.T 182 Lowe's Cos Inc LOW.N
123
Fujitsu Ltd 6702.T 183 MARKS & SPENCER GROUP PLC MKS.L
124
Gannett Co Inc GCI.N 184 Marsh & McLennan Cos Inc MMC.N
125
Gap Inc GPS.N 185 Marui Co Ltd 8252.T
126
Genentech Inc. DNA.N 186 Matsushita Electric Industrial Co Ltd 6752.T
127
General Dynamics Corp GD.N 187 Maxim Integrated Products MXIM.OQ
128
General Electric Co GE.N 188 MBNA Corp KRB.N
129
General Motors Corp GM.N 189 McDonald's Corp MCD.N
130
Genzyme Corp GENZ.OQ
190 Medtronic Inc MDT.N
131
Gilead Sciences Inc GILD.OQ 191 Merck & Co Inc MRK.N
132
Gillette Co G.N 192 Merrill Lynch & Co Inc MER.N
133
GlaxoSmithKline PLC GSK.L 193 Metlife Inc MET.N
134
Goldman Sachs Group Inc GS.N 194 Microsoft Corp MSFT.OQ
135
Guidant Corp GDT.N 195 Morgan Stanley MWD.N
136
Hang Seng Bank Ltd 0011.HK 196 Motorola Inc MOT.N
137
Hartford Financial Services Group Inc HIG.N 197 MTR Corp 0066.HK
138
HCA Inc HCA.N 198 National City Corp NCC.N
139
Henderson Land Development 0012.HK 199 National Grid Transco PLC NGT.L
140
Hewlett-Packard Co HPQ.N 200 Nestle SA NESN.VX
141
HJ Heinz Co. HNZ.N 201 Newmont Mining Corp NEM.N
142
Home Depot Inc HD.N 202 Nextel Communications Inc NXTL.OQ
143
Honda Motor Co Ltd 7267.T 203 Nike Inc NKE.N
144
Honeywell International Inc HON.N 204 Nintendo Co., Ltd. 7974.T
145
Hong Kong & China Gas 0003.HK 205 Nippon Telegraph &Telephone 9432.T
146
HongKong Electric Holdings 0006.HK 206 Nissan Motor Co., Ltd. 7201.T
147
HSBC Holdings Plc 0005.HK 207 Nokia OYJ NOK1V.HE
148
HSBC Holdings Plc HSBA.L 208 Nomura Holdings Inc 8604.T
149
Hutchison Whampoa Ltd 0013.HK 209 Nortel Networks Corp. NT.N
150
Illinois Tool Works Inc ITW.N 210 Northern Trust Corp NTRS.OQ
151
Imperial Chemical Inds PLC ICI.L
211 Northrop Grumman Corp NOC.N
152
ING Groep NV-CVA ING.AS
212 Novartis AG NOVN.VX
153
Intel Corp INTC.OQ
213 NTT Data Corp 9613.T
154
InterActiveCorp IACI.OQ
214
NTT DoCoMo Inc.
9437.T
155
International Business Machines Corp IBM.N
215 Olympus Corp 7733.T
156
International Paper Co
INTC.OQ
216 Oracle Corp ORCL.OQ
157
Intuit Inc
IACI.OQ
217 Paccar Inc PCAR.OQ
158
Ito-Yokado Co Ltd
IBM.N
218 Paychex Inc PAYX.OQ
159
Johnson & Johnson IP.N
219 Peoplesoft Inc PSFT.OQ
160
JP Morgan Chase & Co INTU.OQ
220 PepsiCo Inc PEP.N
161
Juniper Networks Inc 8264.T
221
Pfizer Inc PFE.N
162
Kao Corp JNJ.N
222
Philip Morris Cos Inc. (Altria Group Inc.)
MO.N
163
KDDI Corp JPM.N
223
Philips Electronics NV
PHG.AS
-36/39
164
Kimberly-Clark Corp KMB.N
224
Pinault-Printemps-Redoute PRTP.PA
165
Kingfisher PLC KGF.L
225
Pioneer Corp 6773.T
166
Kla-Tencor Corp KLAC.OQ
226
Posco 005490.KS
227
Procter & Gamble Co PG.N 278 Taiyo Yuden Co Ltd 6976.T
228
Progressive Corp/The PGR.N 279 Takeda Pharmaceutical Co Ltd 4502.T
229
Prudential Financial Inc PRU.N 280 Target Corp TGT.N
230
Prudential PLC PRU.L 281 Tdc A/S TDC.CO
231
Qualcomm Inc QCOM.OQ
282 TDK Corp 6762.T
232
Rentokil Initial PLC RTO.L 283 Telefonica SA TEF.MC
233
Repsol YPF S.A. REP.MC 284 Terumo Corp 4543.T
234
Reuters Group PLC RTR.L 285 Tesco Plc TSCO.L
235
Ricoh Co Ltd 7752.T 286 Teva Pharmaceutical Industries Ltd TEVA.OQ
236
Roche Holding AG-Genusss ROG.VX 287 Texas Instruments Inc TXN.N
237
Rolls-Royce Group PLC RR.L 288 Time Warner Inc TWX.N
238
Royal Bank of Scotland Group Plc RBS.L 289 Tokyo Electron Ltd 8035.T
239
Royal Dutch Petroleum Co RD.AS 290 Tokyo Gas Co., Ltd 9531.T
240
RWE ST AG RWEG.DE
291 Toshiba Corp. 6502.T
241
Sainsbury (J) PLC SBRY.L 292 Total SA TOTF.PA
242
Samsung Electronics Co Ltd 005930.KS
293 Toyo Seikan Kaisha Ltd 5901.T
243
Sankyo Co Ltd 4501.T 294 Toyota Motor Corp 7203.T
244
Sanofi-Synthelabo SA SASY.PA 295 Travelers Property Casualty Corp TAPb.N
245
Sanyo Electric Co., Ltd. 6764.T 296 Trend Micro Inc 4704.T
246
Sara Lee Corp. SLE.N 297 Tyco International Ltd TYC.N
247
SBC Communications Inc SBC.N 298 UBS AG-Registered UBSN.VX
248
Schering-Plough Corp SGP.N 299 Unilever NV-CVA UNc.AS
249
Schlumberger Ltd SLB.N 300 United Overseas Bank Ltd UOBH.SI
250
Sears Roebuck & Co S.N 301 United Parcel Service Inc/Georgia UPS.N
251
Secom Co Ltd 9735.T 302 United Technologies Corp UTX.N
252
Seven-Eleven Japan Co Ltd 8183.T 303 United Utilities PLC UU.L
253
Sharp Corp 6753.T 304 UnitedHealth Group Inc UNH.N
254
Shell Transport & Trading Co PLC SHEL.L 305 US Bancorp USB.N
255
Shin-Etsu Chemical Co Ltd 4063.T 306 Veolia Environment VIE.PA
256
Shionogi & Co Ltd 4507.T 307 Veritas Software Corp VRTSE.OQ
257
Siemens AG SIEGn.DE
308 Verizon Communications Inc VZ.N
258
Singapore Airlines Ltd SIAL.SI 309 Viacom Inc VIAb.N
259
Singapore Telecommunications STEL.SI 310 Vinci S.A. SGEF.PA
260
SK Telecom Co Ltd 017670.KS
311 Vivendi Universal SA EAUG.PA
261
SLM Corp SLM.N 312 Vodafone Group PLC VOD.L
262
Societe Generale SOGN.PA
313 Volkswagen AG VOWG.DE
263
Sony Corp 6758.T 314 Wachovia Corp WB.N
264
Southern Co/The SO.N 315 Walgreen Co WAG.N
265
SouthTrust Corp SOTR.OQ
316
Wal-Mart Stores Inc WMT.N
266
Staples Inc SPLS.OQ
317
Walt Disney Co DIS.N
267
Starbucks Corp SBUX.OQ
318
Washington Mutual Inc WM.N
268
Stmicroelectronics NV
STM.PA
319
Wells Fargo & Co WFC.N
269
Suez SA
LYOE.PA
320
Wharf Holdings Ltd 0004.HK
270
Sun Hung Kai Properties Ltd 0016.HK 321 Wyeth WYE.N
271
Sun Microsystems Inc SUNW.OQ
322
Xerox Corp.
XRX.N
272
SunTrust Banks Inc STI.N 323 Xilinx Inc XLNX.OQ
273
Suzuki Motor Corp 7269.T 324 Yahoo! Inc YHOO.OQ
274
Swire Pacific Ltd 0019.HK 325 Yamaha Corp 7951.T
275 Swiss RE-REG RUKN.VX
326 Yamanouchi Pharmaceutical Co Ltd 4503.T
276
Symantec Corp SYMC.OQ
327
Zimmer Holdings Inc ZMH.N
277
Sysco Corp SYY.N
-37/39
1 Dow Jones Industrial Average
1. 30
2. NYSE 15~20%
2 S&P 500 Index ( 500 )
1. 500
2. 1941~1943 10
3 NYSE Composite Index ( )
1.
2. 2002 12 31 ( 5000)
4 DJ Eurostoxx 50 Index ( STOXX50 )
1. 50
2. 1991 12 31 1000
5 FTSE 100 Index ( )
1. 100
2. 1984 1 3 ( 1000)
6 Nasdaq 100 Index ( 100 )
1. NASDAQ
2. 1985 1 31 ( 250 1994 1 125 )
7 Deutsche Aktienindex Index ( DAX )
1. 30 1987 12 31
( 1000)
2. " "(total return)
8 Swiss Market Index ( SMI )
1.
2. 1988 6 30 ( 1500)
9 Nikkei 225 Index 225
1. 225
2. 1949 5 16
10 Hang Seng Index ( )
1. 33
2. 70%
3. 1964 1 1 ( 100)
11 KOSPI
1.KOSPI 200
2. 93%
3. 1990 1 1 ( 100)
12 Milan MIB30 Index ( MIB30 )
1.MIB30 30
2. 1992 12 31 ( 10000)
13 CAC 40 Index ( 40 )
1. 40
2.
1987 12 31 ( 1000)
14 DJ Global Titans Index
1. 50
2. 1991/12/31 ( 100)
-38/39
15
TOPIX Index
1. 1492
2. 1968 1 4 100
16 Nasdaq Composite Index
1. 5400 Nasdaq
2. 1971 2 5 100
17 Russell 2000 Index ( 2000 )
1. ( ) 2000
2. 1986 12 31 ( 135)
18 Dow Jones Tiger Titans 50 Index ( 50 )
1. 50
2. 2003 2
(1) London Inter-Bank Offering Rate LIBOR
(British
Bankers Association) 25% 25%
11:00 Telerate Page 3750
(Bloomberg) (Telerate)
(2) Constant Maturity Swap Rate(CMS )
(Constant Maturity Swap, CMS)
(Interest Rate Swap, IRS)
IRS
CMS LIBOR CMS
CMS
CMS ISDA (Reuters) ISDAFIX1
(3) Constant Maturity Treasury Rate (CMT )
(Federal Reserve Board)
(4) J.P. Morgan Government Bond Index ( )
1989
(5) J.P. Morgan Emerging Markets Bond Index ( )
25
, 500
1990 12 31
(6) Citigroup US Government Bond Index ( )
10
-39/39
1984 12 31
中國人壽輕鬆致富投資連結壽險
中國人壽輕鬆致富投資連結壽險中國人壽輕鬆致富投資連結壽險
中國人壽輕鬆致富投資連結壽險
保險費費用
保險費費用保險費費用
保險費費用：
：：
：
10
6
7
8
10
14
573
230
688
277
800
323
1,017
411
15
648
252
763
299
875
345
1,091
432
16
703
271
818
317
929
363
1,144
448
17
732
284
846
330
957
375
1,172
459
18
737
29
3
850
338
961
382
1,177
466
19
738
297
851
341
962
385
1,180
471
20
738
296
851
341
962
384
1,184
475
21
736
294
850
339
963
384
1,190
480
22
735
292
851
338
966
385
1,202
488
23
736
291
854
340
973
390
1,220
501
24
740
293
862
345
986
400
1,247
519
25
749
300
875
356
1,006
415
1,285
544
26
763
312
896
373
1,035
437
1,336
575
27
784
329
926
395
1,075
463
1,399
613
28
813
351
966
421
1,127
496
1,477
656
29
853
377
1,017
453
1,191
532
1,568
705
30
902
406
1,080
487
1,267
573
1,674
758
31
962
437
1,153
525
1,356
617
1,793
816
32
1,031
471
1,238
565
1,455
664
1,927
878
33
1,110
507
1,332
608
1,567
714
2,076
945
34
1,196
546
1,436
654
1,689
768
2,238
1,018
35
1,290
587
1,548
703
1,821
827
2,415
1,098
36
1,392
631
1,670
757
1,965
891
2,607
1,187
37
1,501
679
1,803
815
2,121
961
2,815
1,285
38
1,620
731
1,946
880
2,290
1,040
3,039
1,395
39
1,749
790
2,101
953
2,474
1,128
3,282
1,520
40
1,890
857
2,271
1,035
2,673
1,227
3,545
1,659
41
2,043
932
2,454
1,128
2,889
1,340
3,830
1,815
42
2,209
1,01
7
2,653
1,234
3,122
1,467
4,138
1,986
43
2,389
1,114
2,868
1,353
3,374
1,609
4,472
2,172
44
2,583
1,224
3,101
1,485
3,647
1,765
4,833
2,372
45
2,792
1,345
3,352
1,630
3,942
1,933
5,226
2,586
46
3,019
1,477
3,624
1,786
4,263
2,112
5,652
2,814
47
3,264
1,618
3,919
1,951
4,610
2,300
6,117
3,059
48
3,531
1,766
4,240
2,123
4,990
2,500
6,625
3,326
49
3,822
1,919
4,591
2,304
5,405
2,712
7,180
3,620
50
4,140
2,078
4,975
2,496
5,860
2,943
7,788
3,947
51
4,491
2,248
5,398
2,705
6,359
3,198
8,455
4,312
52
4,
876
2,434
5,862
2,939
6,908
3,486
9,184
4,720
53
5,300
2,647
6,373
3,207
7,510
3,814
9,980
5,176
54
5,766
2,893
6,935
3,515
8,170
4,187
10,849
5,684
55
6,280
3,180
7,550
3,868
8,892
4,609
11,794
6,248
56
6,843
3,510
8,224
4,269
9,679
5,081
12,820
6,873
57
7,459
3,882
8,959
4,715
10,536
5,604
13,932
7,561
58
8,131
4,294
9,758
5,206
11,467
6,178
15,134
8,314
59
8,863
4,743
10,627
5,740
12,477
6,801
16,433
9,137
60
9,657
5,227
11,569
6,317
13,569
7,478
17,831
10,031
61
10,519
5,748
12,588
6,941
14,749
8,212
19,335
11,005
62
11,453
6,313
13,691
7,620
16,022
9,011
20,949
12,065
63
12,465
6,929
14,884
8,361
17,395
9,885
22,680
13,222
64
13,561
7,605
16,172
9,175
18,874
10,844
24,530
14,485
65
14,748
8,352
17,562
10,072
20,465
11,897
26,505
15,865
66
16,030
9,177
19,059
11,061
22,172
13,054
28,608
17,370
67
17,415
10,089
20,669
12,148
24,001
14,322
30,839
19,010
68
18,907
11,092
22,398
13,341
25,955
15,709
33,199
20,790
69
20,512
12,193
24,249
14,647
28,038
17,222
35,687
22,716
70
22,236
13,400
26,
228
16,073
30,252
18,867
38,300
24,793
71
24,084
14,718
28,336
17,625
32,598
20,651
41,031
27,025
72
26,058
16,155
30,576
19,310
35,074
22,580
43,873
29,414
73
28,163
17,719
32,949
21,135
37,678
24,660
46,815
31,963
74
30,401
19,417
35,454
23,109
40,40
7
26,897
49,844
34,671
75
32,772
21,257
38,088
25,236
43,252
29,294
52,943
37,533
76
35,277
23,247
40,847
27,523
46,204
31,853
77
37,913
25,392
43,722
29,971
49,250
34,574
78
40,675
27,697
46,705
32,583
79
43,557
30,165
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