安聯主約減額繳清如何確保附約失能險 - 保單
By Donna
at 2022-06-09T09:23
at 2022-06-09T09:23
Table of Contents
版友們好, 最近看網路上跟版上都有人分享, 安聯人壽要投保附約一年期失能險時,
該如何去符合投保規則, 壽險的部分用終身壽險WL1N跟定期壽險TLR拉到共200萬,
這樣我就可以規劃200萬的DR2A新失能給付, 以及5萬的NDR1享安心失能~
https://imgur.com/a/u2cPCWO
接著一年後就可以將主約做減額繳清, 以及定期壽險解掉, 保留失能險附約!
不過去詢問安聯人壽窗口時, 得到的回覆是
"等實際送件後才知道這保單會不會影響到附約的原本額度"
"每個保單何時調整送件都不一樣所以都是個案"
"只能先跟您說附約有可能有影響額度"
https://imgur.com/a/fp5McPr
這樣子的回覆, 讓我不知道到底是可以還是不行?
如果可以, 請問具體做法是甚麼?
只要把契約變更書送去就好了嗎? 若是遇到刁難可以怎麼做?
謝謝版友們的協助~
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