30歲保單分析及請益 - 保險

By Adele
at 2011-10-20T21:41
at 2011-10-20T21:41
Table of Contents
年齡:30(1982)
年薪:160萬~200萬
保單共有3筆,
第1筆為2004買入南山的投資型保單,目前價值有19萬
第2筆為2006年買入中壽的5813分紅保單
第3筆為2011年買入4個月的保德信醫療
抽煙:27已戒煙
病歷:28歲曾做膽切除(腹腔鏡)
個人為家中主力收入,為求分散風險故於今年增加終生醫療。
請益版上是否能給予保單上的優缺,請益各位版上保險高手...
補充說明:
1.3個保單合計有700萬的壽險
2.新特定傷病是重大疾病
3.不分紅家用是指我如果30歲死亡,家人可以拿到30年的24萬
=======================================================================
主約 保額 繳費期 保障期 保費
中壽 5813終身壽險(分紅) 32萬 20年 終身 36000 (分紅)
(2400/年)
南山 伴我一生變額壽險 300萬 78年 終身 36000
保德信 新特定傷病終身保險 50萬 36年 終身 15925(重疾/殘)
保德信 不分紅家用定期壽險 24萬 26年 到55歲 10736
保德信 不分紅定期壽險 300萬 20年 20年期 11506
附約
中壽 航空意外保險金附約 96000
中壽 老年住院醫療提前給付 -
保德信 新癌症終身健康附約 3單位 36年 終身 6160
保德信 住院醫療健康附約乙型 40單位 51年 到80歲 10360(1年1約)
保德信 住院醫療健康附約定額 40單位 51年 到80歲 9313(1年1約)
======================================================================
總保費:136000
--
年薪:160萬~200萬
保單共有3筆,
第1筆為2004買入南山的投資型保單,目前價值有19萬
第2筆為2006年買入中壽的5813分紅保單
第3筆為2011年買入4個月的保德信醫療
抽煙:27已戒煙
病歷:28歲曾做膽切除(腹腔鏡)
個人為家中主力收入,為求分散風險故於今年增加終生醫療。
請益版上是否能給予保單上的優缺,請益各位版上保險高手...
補充說明:
1.3個保單合計有700萬的壽險
2.新特定傷病是重大疾病
3.不分紅家用是指我如果30歲死亡,家人可以拿到30年的24萬
=======================================================================
主約 保額 繳費期 保障期 保費
中壽 5813終身壽險(分紅) 32萬 20年 終身 36000 (分紅)
(2400/年)
南山 伴我一生變額壽險 300萬 78年 終身 36000
保德信 新特定傷病終身保險 50萬 36年 終身 15925(重疾/殘)
保德信 不分紅家用定期壽險 24萬 26年 到55歲 10736
保德信 不分紅定期壽險 300萬 20年 20年期 11506
附約
中壽 航空意外保險金附約 96000
中壽 老年住院醫療提前給付 -
保德信 新癌症終身健康附約 3單位 36年 終身 6160
保德信 住院醫療健康附約乙型 40單位 51年 到80歲 10360(1年1約)
保德信 住院醫療健康附約定額 40單位 51年 到80歲 9313(1年1約)
======================================================================
總保費:136000
--
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