Çóterm life ±£ÏÕ±¨¼ÛÏëÂòterm life±£ÏÕ£¬Ï£Íû¸÷¼Ò¾¼ÍÌṩһϱ¨¼Û£¬Ð»Ð»£¡¿ÉÒÔÕ¾ÄÚÐÅ¡£
ÄУ¬1986Äê9Ô³öÉú£¬²»³éÑÌ£¬ÏëÂòµÄterm±£ÏÕ:
±£µ½65Ë꣬°üÀ¨ËÀÍö£¬TPD£¬CI£¬ÎåÊ®ÍòºÍÒ»°ÙÍòµÄÁ½ÖÖ±¨¼Û
---
¸ÃÌûÈÙ»ñµ±ÈÕÊ®´óµÚ3£¬½±ÀøÂ¥Ö÷15·ÖÒÔ¼°22»ªÐ±ң¬Ê±¼ä£º2018-09-29 22:00:01¡£[chester (9-28 17:04, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]1Â¥
term²»ÖªµÀÄãµÄCIÏëÒª¶àÉÙÄØ£¿Ðè²»ÐèÒªÔçÆÚÄØ£¿[MFA_Alex (9-28 18:22, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]2Â¥
¼ÙÈçÎÒÊÇÂô±£ÏÕµÄÎÒ»áÕâô¸úÄã˵£¬ÈËÊÙºÍÖؼ²ÊÇÁ½¸ö²»Í¬Á¿¼¶µÄ±£µ¥£¬²»ÄÜÒ»¸Å¶øÂÛ˵50Íò»¹ÊÇ100Íò£¬Ò²²»ÄÜÒ»¸Å¶øÂÛÂòµ½65¡£ËùÒÔÒ»¸öÒ»¸öÀ´¡£
ÈËÊÙ±£ËÀÍöºÍÖزУ¬ÐèÒªÎÊÄãµÄdependant
1. ÏÈÈ·¶¨Âò¶à¾Ã¡£×îСµÄº¢×Ó¼¸Ë꣬»¹Óжà¾Ã´óѧ±ÏÒµ£¿¸¸Ä¸ÓÐûÓÐÑøÀϱ£ÕÏ£¿Èç¹ûûÓУ¬ÄãÏë±£ËûÃǵ½¶àÉÙË꣬´ÓÏÖÔÚË㻹ÓжàÉÙÄꣿ
2. ÔÙÈ·¶¨±£¶î¡£Óм¸¸öº¢×Ó£¿´ÓÏÖÔÚµ½´óѧ±ÏÒµ£¬ÐèÒª¶àÉÙ½ð¶î£¿ÐèÒª¸ø¸¸Ä¸Áô¶àÉÙ£¿ÄãÊÇ·ñÊǼÒÍ¥Ö÷ÒªÊÕÈëÀ´Ô´£¬Äã·Öµ£¶àÉÙ±ÈÀý£¿Èç¹û×Ô¼ºÖزÐδ¹Ê»Ø¸ø¼ÒÍ¥´øÀ´¶àÉÙ¶îÍ⾼øºµ££¿
3. ÓÐûÓз¿´û£¿·¿´ûÓÐûÓÐÂòmortage?Èç¹ûûÓУ¬ÄÇôlife±£µ¥ÐèÒª°ÑÕⲿ·ÖÒ²coverÁË£¬¼ÓÈëÄãÒªµÄ±£¶îÖС£
È»ºó˵Öؼ²£¬Öؼ²ÊÇÖжÌÆÚ£¬Á½ÈýÄêÄÚµÄÊÕÈëÌæ´ú¡£ËùÒÔ¸ãÃ÷°×Õâ¸öÄ¿µÄµÄÇé¿öÏÂ
1. È·¶¨ÄêÏÞ¡£Èç¹û°´¸öÈ˼ƻ®Ã»ÓÐÄÜÁ¦ÌáÔçÍËÐÝ£¬ÐèÒª¹¤×÷µ½65Ë꣬ÄÇôÐèÒªÂòµ½65Ëê¡£»òÕß»»¸ö˵·¨£¬±£ÊØÆð¼û£¬ÐèÒª¹¤×÷µ½65£¬ÄÇô×îºÃÂòµ½65¡£
2. ±£¶î£¬ÈüÒͥά³ÖÏÖÔÚµÄÉú»îˮƽ£¬¼ÌÐø»¹´ûµÈ¾¼Ã·½ÃæµÄÔðÈΣ¬ÐèÒªÒ»Äê¶àÉÙÇ®£¿Õâ¸öÊý¶î³Ë2µ½3±¶¡£ÓÉÓÚÖؼ²±È½Ï¹ó£¬×îºÃ½áºÏ¸öÈËÔ¤Ëã¡£Ô¤ËãµÄ»°£¬Ó¦¸Ã°ÑÈËÊÙÏȽâ¾öµ½Î»ÁË£¬ÔÙ¿¼ÂÇÌá¸ßÖؼ²±£¶î¡£ÀýÈ磬Öؼ²±£µ¥´Ó10Íò´òµ×£¬ÔÙÍùÉϼӵÄʱºòÒª±£Ö¤ÄãµÄÈËÊÙÏÈÂò¹»ÁË£¬Ô¤Ë㻹ÔڿɳÐÊÜ·¶Î§¡£
3. ¿¼ÂÇÒª²»ÒªÂòÔçÆÚ¡£Í¨³£ÔçÆÚµÄÖؼ²£¬²»Ó°Ïì¼ÌÐø¹¤×÷¡£Ö»ÊǸø×Ô¼º¶àÒ»¸ö²»¹¤×÷µÄÑ¡Ôñ¡£µ«ÊDZ£·ÑÆðÂëÁ½±¶ÒÔÉÏ£¬ËùÒÔÕâ¸ö·ÅÔÚµ¹ÊýµÚ¶þλ¿¼ÂÇ¡£µ¹ÊýµÚһ룬ÔÙ¿¼ÂÇËùνµÄcash value, ´¢Ðî»Ø±¨£¬²Æ¸»´«³ÐÖ®Àà¡£
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP]
[Åô¸ç (9-28 18:46, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]3Â¥
(ÒýÓà Åô¸ç:¼ÙÈçÎÒÊÇÂô±£ÏÕµÄÎÒ»áÕâô¸úÄã˵£¬ÈËÊÙºÍÖؼ²ÊÇÁ½¸ö²»Í¬Á¿¼¶µÄ±£µ¥£¬²»ÄÜÒ»¸Å¶øÂÛ˵50Íò»¹ÊÇ100Íò£¬Ò²²»ÄÜÒ»¸Å¶øÂÛÂòµ½65¡£ËùÒÔÒ»¸öÒ»¸öÀ...)ÄÇÄãÊÇÂô±£ÏÕµÄÂ𣿠¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP] [ÎåǧÑÔ (9-28 19:58, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]4Â¥
(ÒýÓà ÎåǧÑÔ:ÄÇÄãÊÇÂô±£ÏÕµÄÂð£¿)²»Êǹþ¹þ ¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP] [Åô¸ç (9-28 20:01, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]5Â¥
ÐèÒªfact findÏȲ»¹ý¸ù¾ÝÄãµÄÒªÇóÎÒ×öÁËÊý¾ÝÊý¾Ý¸øÄã²Î¿¼
$50Íò $162mth
$100Íò $ 277mth
µ½65Ë꣬ËÀÍö¡¢²Ð¼²¡¢Öؼ²¡££¨²»º¬ÔçÆÚ£©
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP]
[ÎåǧÑÔ (9-28 20:08, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]6Â¥
(ÒýÓà Åô¸ç:²»Êǹþ¹þ)¿´Äã˵µÄͦºÃµÄ£¬ÐèÒª×öÕâЩfact findÏÈ£¬²ÅÄÜ×ö³öµ±ÏÂ×îÊʺÏËûµÄ±£¶î¡£ ¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP] [ÎåǧÑÔ (9-28 20:14, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]7Â¥
(ÒýÓà ÎåǧÑÔ:ÐèÒªfact findÏȲ»¹ý¸ù¾ÝÄãµÄÒªÇóÎÒ×öÁËÊý¾ÝÊý¾Ý¸øÄã²Î¿¼ $50Íò $162mth $100Íò $ 277mth µ½65Ë꣬ËÀÍö¡¢²Ð¼²¡¢Öؼ²¡££¨²»º¬ÔçÆÚ£©)100ÍòÖؼ²277Ò»¸öÔ£¿Too good to be true¡£ ¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP] [Åô¸ç (9-28 20:17, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]8Â¥
AVIVA±¨¼Ûµ¥ÄúºÃ£¬ ¸ù¾ÝÄúÏëÒªÖªµÀµÄ±¨¼Û£¬ÎÒÌṩÄú AVIVAµÄ±¨¼Ûµ¥£º
ÄÐÐÔ £º1986/9ÔÂ
±£¶î£º100 Íò £¨919.60$/Ä꣩
²úÆ·£º My Protector Term
¸½¼ÓÏÕ£ºTPD100Íò£¨122.20$/Ä꣩
CI 100Íò£¨2033$/Ä꣩
±£ÆÚµ½65Ëê
×ܱ£·Ñ£º 3074.90$/Äê £¨262$/Ô£©
Èç¹ûÈ«²¿²»±ä£¬Ö»ÓÐCI ±ä³É50Íò£¨1016.55$/Ä꣩
×ܱ£·Ñ£º 2058.35$/Äê £¨175$/Ô£©
ÓÐÐèÒªÕ¾ÄÚÏûÏ¢£¬Îһᾡ¿ì»Ø¸´£¬²»¹ýÎÒÐèÒª¸úÄúÏê̸¹ØÓÚÄú±£ÕϵĶî¶È
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP]
[С³ÂAviva (9-28 20:26, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]9Â¥
(ÒýÓà Åô¸ç:100ÍòÖؼ²277Ò»¸öÔ£¿Too good to be true¡£)¾Í²î²»¶àÊÇÕâ¸ö¼Û£¬GE¸ü±ãÒË¡£trueµÄ¡£50Íò£º1495 yearly
100Íò£º2690 yearly
cover till 65 years old
cover: death, TPD, Terminal Illness, Critical Illness.
×¢Òâ¹þ£¬Ã»ÓÐearly stage£¬²»¹ý£¬±¾À´Â¥Ö÷¾Íû˵Ҫearly stage¡£
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP]
[ËÜÁÏõ¹å (9-28 20:30, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]10Â¥
(ÒýÓà ËÜÁÏõ¹å:¾Í²î²»¶àÊÇÕâ¸ö¼Û£¬GE¸ü±ãÒË¡£trueµÄ¡£50Íò£º1495 yearly 100Íò£º2690 yearly cover till 65 years old cover: death, TPD, Terminal Il...)2690Ò»ÄêµÄÖؼ²±£100Íò£¬Çë¸ø½âÊÍÒ»ÏÂÌõ¿î ¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP] [Åô¸ç (9-28 20:44, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]11Â¥
(ÒýÓà С³ÂAviva:AVIVA±¨¼Ûµ¥ÄúºÃ£¬ ¸ù¾ÝÄúÏëÒªÖªµÀµÄ±¨¼Û£¬ÎÒÌṩÄú AVIVAµÄ±¨¼Ûµ¥£º ÄÐÐÔ £º1986/9Ô ±£¶î£º100 Íò £¨919.60$/Ä꣩ ²úÆ·£º My Protect...)²¹³äÈç¹ûÄúÑ¡Ôñ¶¨ÆÚÈËÊÙ 110Íò ¶ø²»ÊÇ 100 Íò£¬Äú½«ÏíÓб£·Ñ ÓÀ¾Ã5% ÕÛ¿Û¡£ ÿÄ궼ÓÐ 3000 µÄ±£·Ñ£¬ 5% Ö®ºó¾ÍÊÇ 2850 ¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP] [С³ÂAviva (9-28 20:53, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]12Â¥
(ÒýÓà Åô¸ç:2690Ò»ÄêµÄÖؼ²±£100Íò£¬Çë¸ø½âÊÍÒ»ÏÂÌõ¿î)¾ÍÊÇÆÕͨµÄterm°¡¡¡±ãÒËÊÇÒòΪÄêÇáûÓÐʲôÌرðµÄµØ·½¡£¡£¡£ ¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP] [ËÜÁÏõ¹å (9-28 20:55, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]13Â¥
(ÒýÓà ËÜÁÏõ¹å:¾ÍÊÇÆÕͨµÄterm°¡¡¡±ãÒËÊÇÒòΪÄêÇáûÓÐʲôÌرðµÄµØ·½¡£¡£¡£)Ã÷°×ÁËWhichever happens first pay out 1m. ¶ø²»ÊÇlife ci¸÷1m, Õâ¸öÊÇ͵»»¸ÅÄîµÄ
×éºÏ²úÆ·¡£¡£¡£
×éºÏ²úÆ·¡£¡£¡£
×éºÏ²úÆ·¡£¡£¡£
ÖØÒªµÄ»°Ëµ3±é¡£ÓÃÕâ¸öºÍWL+term¶Ô±È£¬Í×Í×µÄÒýÉÏÌ×·¡£¡£¡£
Â¥Ö÷Äã»»¸öÂò·¨
Term life/TPD 1m Ò»Äê1000¶¼²»µ½
Term CI 20ÍòҲСÓÚ1000
ÊDz»ÊǸü±ãÒË£¿Õâ¸öÊÇ100Íò+20ÍòŶ£¬²»ÊÇwhichever come first
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP]
[Åô¸ç (9-28 21:14, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]14Â¥
(ÒýÓà Åô¸ç:Ã÷°×ÁËWhichever happens first pay out 1m. ¶ø²»ÊÇlife ci¸÷1m, Õâ¸öÊÇ͵»»¸ÅÄîµÄ
×éºÏ²úÆ·¡£¡£¡£
×éºÏ²úÆ·¡£¡£¡£
×éºÏ²úÆ·¡£¡£¡£
ÖØÒª...)»òÕßÔÙ»»¸öÂò·¨100Íò life tpdÉÙÓÚ1000Ò»Äê
10Íò ÔçÆÚ+ 10ÍòÖؼ²£¬ÉÙÓÚ1500Ò»Äê
»á²»»á¸üÓÐÓã¿
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP]
[Åô¸ç (9-28 21:17, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]15Â¥
(ÒýÓà Åô¸ç:¼ÙÈçÎÒÊÇÂô±£ÏÕµÄÎÒ»áÕâô¸úÄã˵£¬ÈËÊÙºÍÖؼ²ÊÇÁ½¸ö²»Í¬Á¿¼¶µÄ±£µ¥£¬²»ÄÜÒ»¸Å¶øÂÛ˵50Íò»¹ÊÇ100Íò£¬Ò²²»ÄÜÒ»¸Å¶øÂÛÂòµ½65¡£ËùÒÔÒ»¸öÒ»¸öÀ...)·Ç³£¸Ðл£¬±£ÏÕС°×ÊܽÌÁË£¡[chester (9-28 21:43, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]16Â¥
(ÒýÓà Åô¸ç:Ã÷°×ÁËWhichever happens first pay out 1m. ¶ø²»ÊÇlife ci¸÷1m, Õâ¸öÊÇ͵»»¸ÅÄîµÄ ×éºÏ²úÆ·¡£¡£¡£ ×éºÏ²úÆ·¡£¡£¡£ ×éºÏ²úÆ·¡£¡£¡£ ÖØÒª...)лл¹þ£¬ÄãÊÇÄļұ£ÏÕ¹«Ë¾ÄØ£¿[chester (9-28 21:48, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]17Â¥
(ÒýÓà Åô¸ç:Ã÷°×ÁËWhichever happens first pay out 1m. ¶ø²»ÊÇlife ci¸÷1m, Õâ¸öÊÇ͵»»¸ÅÄîµÄ
×éºÏ²úÆ·¡£¡£¡£
×éºÏ²úÆ·¡£¡£¡£
×éºÏ²úÆ·¡£¡£¡£
ÖØÒª...)Õâ¸öÒªÊǵÃÁ˴󲡵«Ã»ËÀÇ°ÃæÄǸö¿ÉÒÔÅâ100w
ÄãÕâ¸öÖ»ÄÜÅâ20w°¡
¡¡[±¾ÎÄ·¢ËÍ×Ô»ªÐÂiOS APP]
[×ß×ß (9-28 21:50, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]18Â¥
(ÒýÓà chester:лл¹þ£¬ÄãÊÇÄļұ£ÏÕ¹«Ë¾ÄØ£¿)²ÑÀ¢£¬¸Õ¿´µ½Äã²»Âô±£ÏÕ[chester (9-28 21:59, Long long ago)] [ ´«Í³°æ | sForum ][µÇ¼ºó»Ø¸´]19Â¥
AXAµÄ±¨¼ÛÊÇÕâÑùµÄ¡£1.±£¶î50Íòбң¬±£µ½65Ëê¡£¡¡
1)Ö÷ÏÕ±£Éí¹Ê50Íòбң¬±£·ÑÊÇ546.73бÒÿÄê¡£
2)ÌáÇ°Å⸶50ÍòбÒTPD£¬±£·ÑÊÇ68бÒÿÄê¡£¡¡
3)ÌáÇ°Å⸶50ÍòбÒCIÍíÆÚÖؼ²µÄ»°£¬±£·ÑÊÇ1032.75ÿÄê¡¢±£¶îºÍ±£·Ñ²î²»¶à°´±ÈÀýµÄ£¬ÐèÒª¶àÉÙ³ËһϾͺá£
¡¡×ܽ᣺Èç¹û50Íò°üÀ¨ËÀÍö£¬tpd£¬ciµÄ»°Ã¿Äê×ܱ£·Ñ1647.48.¡£ ¡¡
¡¡
2.±£¶î100Íòбң¬±£µ½65Ëê¡£¡¡
1)Ö÷ÏÕ±£Éí¹Ê100Íòбң¬±£·ÑÊÇ874.8бÒÿÄê¡£
2)ÌáÇ°Å⸶100ÍòбÒTPD£¬±£·ÑÊÇ136бÒÿÄê¡£¡¡
3)Èç¹ûÊÇÌáÇ°Å⸶100ÍòбÒCIÍíÆÚÖؼ²µÄ»°£¬±£·ÑÊÇÿÄê1861.5бÒÿÄê¡¢²î²»¶à°´±ÈÀýµÄ£¬ÐèÒª¶àÉÙ³ËһϾͺᣡ¡
×ܽ᣺Èç¹û100Íò°üÀ¨ËÀÍö£¬tpd£¬ciµÄ»°Ã¿Äê×ܱ£·Ñ2872.3¡£
¡¡
[AmourСĩ½´ (9-28 22:00, Long long ago)]
[ ´«Í³°æ |
sForum ][µÇ¼ºó»Ø¸´]20Â¥