定期vs終身 - 保險
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By George
at 2012-06-04T21:23
at 2012-06-04T21:23
Table of Contents
想請教各位大大
目前都聽板上大家都較推薦是定期
因為...
繳的錢和終身幾乎一樣...
保障有可能經過物價膨脹而保障縮水
但我最近有些點 過不去耶 大家是否有想過...
1.聽推薦定期險的業務 都會說 因為經過多年後物價膨脹
例如:他的保障日額1000 現在可以負擔雙人房 以後日額1000 可能相對於變成500
就不夠用了....
Q1 那我的疑問是...那買定期為什麼就不會呢??? 到多年後定期不也是一樣付1000嗎?
再來... 如果是物價膨脹~以現在物價 賣當當100元來算 往後 賣當當一份可能變200
那不也就等於 我多年後繳的定期保費 也是很貴嗎???
Q2 有人想過... 35年後 已經退休了 沒有工作能力 沒有經濟來源了...
還會捨得繳一萬多元的定期保險嗎???
因為我看我媽現在 都能為了買一斤8元的西瓜 而騎車30分鐘去大菜市場買..
我好擔心 買了定期 老了之後 根本無力負擔
因為我認識的業務 幾乎都是推介終身 (可能都是已公司訓練方式而來)
根本無法和他們溝通
感覺板上大大都是推定期
故想詢問一下大家的意見
麻煩摟~
--
目前都聽板上大家都較推薦是定期
因為...
繳的錢和終身幾乎一樣...
保障有可能經過物價膨脹而保障縮水
但我最近有些點 過不去耶 大家是否有想過...
1.聽推薦定期險的業務 都會說 因為經過多年後物價膨脹
例如:他的保障日額1000 現在可以負擔雙人房 以後日額1000 可能相對於變成500
就不夠用了....
Q1 那我的疑問是...那買定期為什麼就不會呢??? 到多年後定期不也是一樣付1000嗎?
再來... 如果是物價膨脹~以現在物價 賣當當100元來算 往後 賣當當一份可能變200
那不也就等於 我多年後繳的定期保費 也是很貴嗎???
Q2 有人想過... 35年後 已經退休了 沒有工作能力 沒有經濟來源了...
還會捨得繳一萬多元的定期保險嗎???
因為我看我媽現在 都能為了買一斤8元的西瓜 而騎車30分鐘去大菜市場買..
我好擔心 買了定期 老了之後 根本無力負擔
因為我認識的業務 幾乎都是推介終身 (可能都是已公司訓練方式而來)
根本無法和他們溝通
感覺板上大大都是推定期
故想詢問一下大家的意見
麻煩摟~
--
Tags:
保險
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