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生命保険
- #1
-
- konaha
- 2010/07/16 23:02
生命保険に加入したいのですが、Term がよいのかUniversalやpermanant がよいのかわかりません。 Term の方が安いのですがやはり掛け捨てのようなものでしょうか?
ご意見、お勧めお待ちしています。
- #31
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- PLASMINAS
- 2010/10/22 (Fri) 20:53
- Report
NYLだけでは無いんですが、ただの掛け捨ては無駄です。プレミアムが戻ってくる掛け捨てがあります。
もし、掛け捨ての場合は、プレミアムが戻ってくる掛け捨てにすべきだと思います。
10年間掛け捨てだったら、その間に支払ったプレミアムが満期の時、98%だったかな、会社によって違いますが、戻ってきます。
僕の場合、独身なので、掛け捨ては無意味だとAgentに聞きました。独身の場合は、無理しない程度で、積み立て生命保険を勧められました。
- #33
-
- PLASMINAS
- 2010/10/25 (Mon) 12:50
- Report
32さんへ反論します。
えーとですね、"プレミアムが戻ってくる掛け捨て"と言うプランで、積み立てではありません。
積み立ては利子が発生しますが、プレミアムが戻ってくる掛け捨ては、利子が発生しません。なぜなら、掛け捨てなので。
毎月支払うプレミアムが満期の時に戻ってきます。つまり、月$100を払ったとして、3年満期の場合は、3年分支払ったプレミアムの98%が払い戻されます。積み立ては利子が付きますが、掛け捨てはプレミアム分だけが払い戻される。
- #34
-
- ルーシールーシー
- 2010/10/25 (Mon) 13:15
- Report
#33PLASMINASさん
その98%プレミアムが返ってくる掛け捨ての掛け金は、当然、普通の掛け捨て保険より割高になっていると思いますが、
普通の掛け捨ての掛け金が$100として、どれ程になりますか?
- #35
-
- PLASMINAS
- 2010/10/26 (Tue) 08:40
- Report
保険会社によると思いますが、+$10から$20でしょう。
積み立て=利子が発生する。(キャッシュバリュー)
⇒生涯保険などはここに属する。
変動型生命保険(VULとかIULとか)
掛け捨て=利子が発生しません。
⇒プレミアムが戻ってくるターム保険(掛け捨て)
Posting period for “ 生命保険 ” has been closed.
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