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发表于 3-12-2015 08:01 PM
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晚上好 小弟有份保單想請教 每個月定期存入500 為期30年以作長遠退休計劃
1. 請問這個保單比GE的Retirement Plan好嗎?
2. 假設情況如下 20年後停止供款 裡面的cash value會用來交保費嗎？因為我買的term是30年. 如果用cash value來供 那不是最終拿回的更少?
3. 如果持續的給到30年 最終的cash value illution會是多少呢？
(Illustration of Expected Benefits for Basic Plan and Rider(s)裡面從20年開始total premium就停在120k）
If End of Policy Year 20
Total Premium Paid 120,000.00
Cash Value Y 172,938
Death Benefit Y 595,000
Cash Value X 89,652
Death Benefit X 595,000
IL PWE 6,000
IL PBE 6,000
SmartProtect Max
Plan Type : Regular Premium Investment-Linked Insurance Plan
Term of assurance : 30 Years
Death Benefit Payer Benefit
RM 500,000 plus Additional Sum Assured, or Total Investment Value, whichever is higher
Total & Permanent Disability (TPD)
RM 500,000 plus Additional Sum Assured, or Total Investment Value, whichever is higher, subject to a maximum of RM2,000,000
Payer Benefit RM 6,000 per year
Death Benefit / TPD Benefit RM 6,000 per year
Covered Event Benefit RM 6,000 per year
Waiver Benefit
TPD Benefit RM 6,000 per year
Covered Event Benefit RM 6,000 per year
Basic Annual Premium
Insurance Premium 30 Years RM500,000
Balancer
Unit deduction rider(s)
U102 IL PWE
U103 IL PBE
問題太多. 請見諒 .gif)
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