29歲女 三商人壽現有保單評估 - 保險

By Zanna
at 2012-08-16T13:49
at 2012-08-16T13:49
Table of Contents
請詳述以下資訊:(括弧內文字建議刪除)
一、性別: 女
二、年齡:29
三、職業/工作內容:公/月薪4萬
四、保障需求:
五、保費預算:一年4萬以內
六、健康告知: 無
七、常用交通工具:機、汽車
八、預計規劃:大部分的保單是小時候家人幫忙買也幫忙繳的,近幾年開始把保費轉來自
己帳戶,才發現每年要繳7萬多,負擔很大,細看保單內容後,發現有部分
重覆,而且主約有4張,家人也不太清楚買的內容@@ 已詢問過業務是否可
用附約方式或加買在主約下,但回覆是已停賣只能加買新主約,在板上爬
文一陣子但仍不太了解,希望板上高手幫忙檢視一下哪些適合拿掉以降低
保費,謝謝!
九、現有保險:
保險公司:三商人壽
購買時間:87年
商品名稱 [英文代號] 保額/計畫 期間 保費
_____________________________________________________________________________
主約 終身壽險(福) FWL 50萬 20年 20503
附 防癌終身健康保險 CR 1單位 20年 478
附 重大疾病終身壽險 DWLR 70萬 20年 3153
附 新防癌終身健康保險計畫3 NCRC 1單位 20年 842
附 新住院醫療保險計畫C HSRSC 1單位 1年 2600
附 意外身故及殘廢保險金 ADDR 300萬 1年 3445
附 傷害醫療保險金限額(無社保) AMRR 3萬 1年 546
附 傷害醫療保險金日額 DHIR 1000元 1年 614
重大疾病及2、3級殘廢豁免保費 DWPR 2萬9 20年 149
________________________________________________________________________
32,330
購買時間:92年
商品名稱 [英文代號] 保額/計畫 期間 保費
______________________________________________________________________________
主約 祥安終身壽險 AWL 10萬 20年 1851
附 日額型住院醫療終身健康保險 HIW 1000元 20年 5425
附 手術醫療終身健康保險 SIW 1000元 20年 1723
重大疾病及2、3級殘廢豁免保費 DWPR 9000元 20年 74
_________________________________________________________________________
9,073
購買時間:99年
商品名稱 [英文代號] 保額/計畫 期間 保費
______________________________________________________________________________
主約 真健康終身醫療健康保險 JHI 1500元 20年 17,642
______________________________________________________________________________
主約 守健康手術醫療終身健康保險 SSI 1500元 20年 11,939
______________________________________________________________________________
每年保費合計 70,984
其中第一個主約終身壽險福型是期滿後(107年)每年可領回5萬元,所以這一筆我就當存退
休金好了,扣掉這個2萬元,我每年花在保險上還有5萬元,想請問一下這份保單還有無可
以刪減的地方?(我有考慮把真健康和守健康手術降到1000元的保額就好)謝謝大家!
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