[問題] 三商六年期美元保單只繳一年?
最近家中有一個長輩買了一張三商六年期的美元保單
他是把定存100萬解掉來買這張保單
業務員是跟他講說繳一次之後用減額繳清就不用繳了
第六年之後每年可以領回33000元
要拿回來本金不會不見
我想請問一下各位保險的前輩
除了匯率的風險之外
第六年拿回來至少可以拿回原本的本金嗎?
會不會有所損失?
因為那個保險業務員有拿一張表(年繳50萬左右)
第五年到第六年突然多了3000多美金的現金價值
真的有保單那麼好沒繳錢現金價值還會增加嗎?
如果有問題我要怎麼跟長輩講
因為他很信任那個業務員
我說應該沒那麼好他都不聽~~
謝謝~
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