[壽險] 媽媽想把投資型保單當壽險？消失
各位前輩好, 想問一個我遇到的問題.
我媽媽一個朋友賣她一份安聯人壽投資型保單, 只收第一年的前置費用,
吉利長紅變額萬能壽險月繳5000, 已繳了20個月,
現在保單內的標的報酬率是2.59%, 保單價值是33301元,
也就是目前一共繳了十萬, 內部卻只剩三萬多元...
她的意思是這份保單有三百萬的壽險保障, 如果她活到85歲,
全部繳出去的保費也不到三百萬, 這樣她若過世後我們子女可以拿到三百萬.
我總覺得這樣的算法似乎有哪裡怪怪的, 想叫她停了這份保單,
可是我本身不了解這樣的保險內容, 所以上網來問各位前輩的意見.
像我媽媽對這份投資型保單這樣的想法是正確或OK的嗎?
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