三商美年發 減額繳清疑問 - 保險
By Hedwig
at 2013-01-25T19:10
at 2013-01-25T19:10
Table of Contents
計畫趕不上變化...雖非急需用錢但未來可能會有很多用錢的機會
所以不太想續繳三商的美年發(A型，6年)了!
現在的疑問是已經了兩年了，第三年2月1號就會扣款，保險員是說
只要帳戶裡沒錢，可以考慮一個月看要不要繳第三年。但近一步的
問業務如果兩年底辦減額繳清，跟第三年底在辦減額繳清，差別會
有多大(6年滿後保單價值會各有多少)，但業務卻只告訴我減額繳清
2年&3年的保險金額，說沒有成案公司不會幫你算之後的保單價值??
不知版上有沒有專業人士可以替小弟分析，基本保額是11,000
每年保費為美金4,147.00(年繳4,105.53)，現在已繳兩年，
2年末減額繳清保額為3,731，(6年滿後年領8%=298.48)，保單價值不知
3年末減額繳清保額為5,641，(6年滿後年領8%=451.28)，保單價值不知
如果不考慮保額的損失，以回本為考量的話，2年還是3年減額繳清比
較快回本呢?
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