台銀人壽保單請益 - 保險

By Ivy
at 2013-09-23T23:30
at 2013-09-23T23:30
Table of Contents
我是榮總的住院醫師
有個問題請教一下板上的行家
日前在醫院被台銀的業務員攔截
介紹台銀人壽全家福養老保險 公務人員特別版
保單內容簡單介紹如下
以400萬保額為例
年存226400*0.97(3%公務人員回饋)=219608
平均月存18300
219608*15年=329萬 (total存的錢)
滿期領回 400萬+(約48萬分紅紅利 這部分是台銀報給金管會每年3%的獲利
不能連續低於3% 2年 如果每年的紅利存著複利計算會大於每年領回的共48萬)
報酬 448萬-329萬=119萬
119萬/240個月= 4958每月平均獲利
除此之外
身故保險金400萬
全殘保險金400萬
2-6級殘廢生活補助每月4萬領100個月
雖然不能用20年後的錢和現在比較
不過就算每個月存這些錢在定存不僅利率低而且也會被通膨怪獸吃掉
惡魔一定藏在細節裡
可是我真的覺得這張保單好像不錯....
希望有好心人士可以幫我看看這張保單
感激>.<
--
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保險
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