第 1 页 共 10 页 北大方正人寿保险有限公司 未来星两全保险（分红型）条款 （2018年1月） 目录 第一部分您（投保人）与我们（北大方正人寿保险有限公司）的合同 ············································ 3?第一条?合同的构成 ······································································································· 3?第二条?合同成立与生效 ································································································· 3?第三条?投保年龄 ·········································································································· 3?第四条?保险期间 ·········································································································· 3?第五条?犹豫期 ············································································································· 3?第二部分我们提供的保障 ····································································································· 3?第六条?基本保险金额 ···································································································· 3?第七条?保险责任 ·········································································································· 3?第八条?责任免除 ·····························································································