富邦的 "外幣" 儲蓄險 - 保險
By Daph Bay
at 2009-07-18T18:55
at 2009-07-18T18:55
Table of Contents
最近理專在跟女王推一檔富邦的外幣儲蓄險
富邦人壽 : 遨翔人生 外幣終身保險 (丙型 FLWC)
投保人 : 女性, 32 歲
投保金額是 30,000 美元
每年繳交 10,050 美元的保費, 共繳六年
第七年起, 每年領回 2,400 美元的生存保險金,
活越久領得越多, 當然對應的身故/全殘保險金額度就跟著遞減
我的問題是, 這樣一張儲蓄險的保單, 換算成年化報酬率, 是多少呢?
理專告訴我們有 4% 左右, 但我不知道怎麼計算的
想請各位高手指點一下, 先說聲謝謝囉!
ps. 附上試算的資料
年度 年繳保費 累積保費 生存保險金 保單價值 身故/全殘保險金
01 10050 10050 - 6150 30000
02 10050 20100 - 14055 30000
03 10050 30150 - 23220 30150
04 10050 40200 - 33711 40200
05 10050 50250 - 45603 50250
06 10050 60300 - 58971 60300
------------------------------------------------------------------------------
07 - 60300 2400 58929 61329
08 - 60300 2400 58884 61284
09 - 60300 2400 58839 61239
....... (一直到第 32 年, 累積領回的生存保險金才超過所繳保費) ......
31 - 60300 2400 57108 59508
32 - 60300 2400 56979 59379
--
--
富邦人壽 : 遨翔人生 外幣終身保險 (丙型 FLWC)
投保人 : 女性, 32 歲
投保金額是 30,000 美元
每年繳交 10,050 美元的保費, 共繳六年
第七年起, 每年領回 2,400 美元的生存保險金,
活越久領得越多, 當然對應的身故/全殘保險金額度就跟著遞減
我的問題是, 這樣一張儲蓄險的保單, 換算成年化報酬率, 是多少呢?
理專告訴我們有 4% 左右, 但我不知道怎麼計算的
想請各位高手指點一下, 先說聲謝謝囉!
ps. 附上試算的資料
年度 年繳保費 累積保費 生存保險金 保單價值 身故/全殘保險金
01 10050 10050 - 6150 30000
02 10050 20100 - 14055 30000
03 10050 30150 - 23220 30150
04 10050 40200 - 33711 40200
05 10050 50250 - 45603 50250
06 10050 60300 - 58971 60300
------------------------------------------------------------------------------
07 - 60300 2400 58929 61329
08 - 60300 2400 58884 61284
09 - 60300 2400 58839 61239
....... (一直到第 32 年, 累積領回的生存保險金才超過所繳保費) ......
31 - 60300 2400 57108 59508
32 - 60300 2400 56979 59379
--
--
Tags:
保險
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