保誠人壽五五升豐分紅保險 - 保險
By Genevieve
at 2016-08-01T20:59
at 2016-08-01T20:59
Table of Contents
最近銀行理專推薦這張保單「保誠五五升豐分紅保險」(可能有1.2個字記錯 勿怪)
說是保誠提供該行獨賣 看起來報酬率很高 所以很心動
因為是市場上少見的分紅保單,有些問題想請教大家
1.這張保單除了解約金外,繳費期間每年都有紅利分配,繳費期滿除了前述紅利外
還多了一個長青紅利,理專跟我講以往的經驗都是中分紅,問了保誠也是這麼說
我知道分紅並不是保證,但依相關規定,如果連續兩年沒分紅,須向保險局解釋,
是不是這代表保險公司一定會分紅?
2.據瞭解,分紅保單的分紅是依該張保單的經營狀況進行分紅,如果以往經驗是中分紅
是不是以後中分紅可能性比較高?
3.這張保單試算表上是將分紅滾入解約金進行增值,這是正確嗎
4.這張保單繳費5年,假設中分紅,則繳費期滿以2.8%複利增值;假設低分紅,則以2.1%
複利增值。中分紅時,利率高於市場所有保單,可是如果這麼優質,怎麼版上從沒有人
討論這張保單?
問題有點多,不好意思麻煩大家了!
謝謝!
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