台壽及全球實支請益 - 保險
By Franklin
at 2021-07-22T23:36
at 2021-07-22T23:36
Table of Contents
想請教兩個問題:
第一個是關於台壽HNRC+全球HXB的組合,業務都推薦計畫三,我算了一下另一個組合(台壽計畫4+全球計畫2),保費少了約2000,保障內容略有差異,請問有建議更改嗎?
台3+全3
實支病房2000+2500=4500
日額2000
雜費15+25=40萬
保費3769+7251=11010
台4+全2
實支病房2500+1500=4000
日額1000
雜費18萬+20萬=38萬
保費4547+4647=9194
請問會建議哪個組合呢?
問題二:全球主約該用壽險或重大傷病?
本來想說用重大傷病當主約,用定期險加強。業務建議重大傷病全部用定期,一方面同樣保額保費比較便宜,一方面還多了二十萬壽險。聽起來好像有點道理?此外,之後要加保全球其他附約的話,主約用重大傷病可能會受限?
謝謝您的回覆喔
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