[討論] 老年保費高,總繳保費不少,要不要雙實支
一、老年保費高,及總繳保費看起來也很多,該如何思考,規畫?
醫療實支,重大傷病險,殘廢,殘扶險
到了某年紀之後,保費跳升很快
保雙實支,重大傷病險,殘廢,殘扶險
若繳到74歲,我自己算總繳保費可能要付到160萬元或更多
若單實支,其它同上,我自己算總繳保費可能要付到130萬元或更多
50歲該年要繳的保費約4萬
74歲該年要繳的保費約6~7萬
二、要雙實支嗎?
版上常推薦的:若算36~74歲
中信HNRB計劃二 ,合計保費近29萬
計劃三 ,合計保費近37萬
全球XHR計畫五 ,合計保費近30萬
富邦nhr1 20單位,合計保費近33萬
單實支約30萬多上下
雙實支約60萬多上下
該如何花規劃或思考這花費,因為還有其它保險要保,保費看起要付不少
少一實支,至少省30萬,也可當看病基金,再加上另外存作為看病基金
三、保單該何時調整保額,還是不調
主約不算,單只計算附約
友邦
DIYR3萬,至75歲,保費約41萬
YRDR300萬,至80歲,保費約71萬
保障要更多,費用更可觀
遠雄
RG1 100萬,至80歲,保費約101萬
會想說若真的繳這麼久,保費=保額,還有付了之後不一定拿的回來
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