已經有父母幫忙保的保險 如何規劃? - 保險

By Lucy
at 2019-12-05T18:18
at 2019-12-05T18:18
Table of Contents
各位好,老公及我都由於父母有幫買保險,
卡在不知如何規劃保單,主要想買雙實支跟失能險
老公的狀況是從小有保國泰的住院醫療終身險,還有一個意外的實支實付
後來開始上班又保了遠雄的實支實付RJ1
我則是從小有保南山的,實支實付、意外、手術為主,
大多定期的保險,但是也有癌症終身的險種
後來跟著老公一起買了遠雄變成雙實支實付,
我的問題是,已經有保了像是南山還有國泰,
這兩家都是需要正本的實支實付或醫療相關的險種,
是否會造成雙實支實付及失能險無法買其他家?
變相只能在原本保的這兩家裡做選擇?
或是各位大大可以給我一盞明燈嗎?
人生第一次仔細規劃保單,問題可能很弱請見諒
非常感謝大家
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