保寶10年期台幣保單 - 保險
By Hazel
at 2011-07-09T12:23
at 2011-07-09T12:23
Table of Contents
因為想強迫自己存一筆錢,所以有詢問身邊做保險的朋友
推薦這張"國寶人壽得意年年",想麻煩各位板大幫我看一下~!!
中間有看國泰跟富邦,但他們皆無保障只有單儲蓄,領回金額沒有這張好
年期 :10年 保額 :21萬
首期保費 :24591 繳別 :年繳
折扣後續期保費:24345 轉帳折扣:1%
保險 累積 累積實 當年度保 身故/完全 解約金 減額繳清
年度 保費 繳保費 險金額 殘障保險金
-----------------------------------------------------------------
1 26 24591 214725 214725 8245 8253
2 27 48936 219555 219555 29170 32484
3 28 73281 224490 224490 51871 56188
4 29 97626 229551 229551 76404 79377
5 30 121971 234717 234717 102825 102061
6 31 146316 239988 239988 131193 124252
7 32 170661 245385 245385 161572 145964
8 33 195006 250908 250908 194025 167207
9 34 219351 259557 259557 228618 187995
10 35 243696 262332 265422 265422 210000繳完利息21726
11 36 243696 268233 271394 271394 -
12 37 243696 274260 277500 277500 -
13 38 243696 280434 283744 283744 -
14 39 243696 286755 290128 290128 -
15 40 243696 293202 296656 296656 -
16 41 243696 299796 303330 303330 -
17 42 243696 306537 310155 310155 -
18 43 243696 313446 317134 317134 -
19 44 243696 320502 324269 324269 -
20 45 243696 327705 331565 331565 - 利息87869
我用10年期複利終值(1%)抓出來為1.1046
265422(10年後解約金)=24591(首期繳費)+利率
求出利率約0.986%/年
再用20年期複利終值(1%)抓出來為1.2202
(2%)抓出來為1.4859
243696*1.2202(1%)=297358
243696*1.4859(2%)=362108
362108-297358=35250/10=3525(每0.01%的差額)
362108-35250=326858-->1.5%利息
362108-35250+3525==330383-->1.51%利息
求出利率為1.51%/年
請問我這樣對嗎???因為我是翻書來的...
這樣值得投資嗎?還是乖乖存定存就好~~
因為我當初的用意是想每個月繳錢..
但業務員說這樣還需加上0.88%的費用(每月繳費+0.88%),等於損失少許利息
好猶豫...麻煩板上大大給意見!!謝謝!!
--
推薦這張"國寶人壽得意年年",想麻煩各位板大幫我看一下~!!
中間有看國泰跟富邦,但他們皆無保障只有單儲蓄,領回金額沒有這張好
年期 :10年 保額 :21萬
首期保費 :24591 繳別 :年繳
折扣後續期保費:24345 轉帳折扣:1%
保險 累積 累積實 當年度保 身故/完全 解約金 減額繳清
年度 保費 繳保費 險金額 殘障保險金
-----------------------------------------------------------------
1 26 24591 214725 214725 8245 8253
2 27 48936 219555 219555 29170 32484
3 28 73281 224490 224490 51871 56188
4 29 97626 229551 229551 76404 79377
5 30 121971 234717 234717 102825 102061
6 31 146316 239988 239988 131193 124252
7 32 170661 245385 245385 161572 145964
8 33 195006 250908 250908 194025 167207
9 34 219351 259557 259557 228618 187995
10 35 243696 262332 265422 265422 210000繳完利息21726
11 36 243696 268233 271394 271394 -
12 37 243696 274260 277500 277500 -
13 38 243696 280434 283744 283744 -
14 39 243696 286755 290128 290128 -
15 40 243696 293202 296656 296656 -
16 41 243696 299796 303330 303330 -
17 42 243696 306537 310155 310155 -
18 43 243696 313446 317134 317134 -
19 44 243696 320502 324269 324269 -
20 45 243696 327705 331565 331565 - 利息87869
我用10年期複利終值(1%)抓出來為1.1046
265422(10年後解約金)=24591(首期繳費)+利率
求出利率約0.986%/年
再用20年期複利終值(1%)抓出來為1.2202
(2%)抓出來為1.4859
243696*1.2202(1%)=297358
243696*1.4859(2%)=362108
362108-297358=35250/10=3525(每0.01%的差額)
362108-35250=326858-->1.5%利息
362108-35250+3525==330383-->1.51%利息
求出利率為1.51%/年
請問我這樣對嗎???因為我是翻書來的...
這樣值得投資嗎?還是乖乖存定存就好~~
因為我當初的用意是想每個月繳錢..
但業務員說這樣還需加上0.88%的費用(每月繳費+0.88%),等於損失少許利息
好猶豫...麻煩板上大大給意見!!謝謝!!
--
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