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生命保険
- #1
-
- ken1ken
- 2006/04/13 20:17
生命保険に加入しようと考えています。どこの会社を選べばよいのでしょうか?加入されている方、良いアドバイスをお願いします。
- #4
-
- must sell
- 2006/04/24 (Mon) 21:26
- Report
一概に、積み立てに入ってしまっても、だめってことはないんではないでしょうか。 みんなに合う商品はなく、それぞれの人に合う様に定期&積み立てという商品ができたと思うので。
- #7
-
#4さん、
もちろん、ダメってことはないです。それは選ぶ人の自由です。
ただし、積み立て型の場合は、ほとんどの場合において、家族が必要とするだけの保障を持てません。
理由は、掛け金が高いからです。
掛け金を安く出来る積み立て型もありますが、今度は保障が何年続くか誰にも分かりません。つまり保障期間の保証がなくなります。
このような理由から、生命保険が本当に必要であれば、定期を持つようにお金の専門家が勧めているのです。
例外は、お金持ちの人がEstate Tax目的で終身保険(Whole Life Insurance)に入ることらしいです。
- #6
-
#3さん、
無知でも何でもありません。保険のエージェントは積み立てを売るようにトレーニングされているので、普通の人の知識では太刀打ちできません。
問題は、これからどうするか、です。
積み立て型保険を持っている人は、一般的に言うと、最初の5年から15年ほどの間は解約に対してSurrender Chargeが課されます。
このSurrender Chargeがもったいないからと、ほとんどの人が解約を躊躇しますが、一番大事なのは、これから使うお金を如何に活かすか、です。
今まで払ったお金が惜しい気持ちは良く分かりますが、同じ条件で比べて、より安心できる保障と、如何に多くの貯蓄を作れるかを考えることです。
ほとんどの場合は、即解約して、定期保険と自分のコントロールが利く貯蓄をしたほうがいいという結論が出ると思います。
ただし、保険を掛けかえるときは、新しい保険が有効になったのを確認してから、古い保険を解約することを忘れないで下さい。
- #8
-
一般論さん
丁寧にお返事有り難うございました。そうですね、大切なのは今後です。
知り合いのエージェントだったので、頼りきって自分では何も調べずに今の保険に加入しました。
ですが今回このトピを読んで、自分でもっと調べるべきだったと反省。有り難うございました。
Posting period for “ 生命保険 ” has been closed.
Please create new topic to continue the same topic.
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