定期vs終身 問題 - 保險
By Barb Cronin
at 2011-07-11T21:16
at 2011-07-11T21:16
Table of Contents
大家好 因為我是保險版的新手 所以會想要請問一下定期跟終身的問題
有稍微爬一下文 發現在這版上的大家好像都不推終身險
於是產生了一些疑問
如果都只投保定期 他不是都有年齡的限制嗎? 那如果七十歲之後 不就無法投保
那七十歲之後不就沒有保障了 感覺那時候才可能比較容易常生病
而終身險 繳費20年可以終身保障 看起來似乎比較優耶
雖然大家說以後可能會通貨膨脹 或許現在保險的保障到以後可能變得不值錢
所以建議大家投定期會比較好 可是通貨膨脹 並不代表自己的薪水有漲阿?
那會不會以後反而定期的價錢也漲了許多 要買到好的保障反而還要一筆錢
我們的賺錢能力也逐年下降 為何不一開始就先買終身險 然後再利用定期去加強
覺得不足的地方???
這些疑問 煩請版上各位大大解答!!!感激不盡
如果問到蠢問題 也煩請告知我一下= = 因為真的是就我的主觀意識去問這些問題的
--
有稍微爬一下文 發現在這版上的大家好像都不推終身險
於是產生了一些疑問
如果都只投保定期 他不是都有年齡的限制嗎? 那如果七十歲之後 不就無法投保
那七十歲之後不就沒有保障了 感覺那時候才可能比較容易常生病
而終身險 繳費20年可以終身保障 看起來似乎比較優耶
雖然大家說以後可能會通貨膨脹 或許現在保險的保障到以後可能變得不值錢
所以建議大家投定期會比較好 可是通貨膨脹 並不代表自己的薪水有漲阿?
那會不會以後反而定期的價錢也漲了許多 要買到好的保障反而還要一筆錢
我們的賺錢能力也逐年下降 為何不一開始就先買終身險 然後再利用定期去加強
覺得不足的地方???
這些疑問 煩請版上各位大大解答!!!感激不盡
如果問到蠢問題 也煩請告知我一下= = 因為真的是就我的主觀意識去問這些問題的
--
Tags:
保險
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