| |
|
| 以30岁女性投保20万重大疾病保险（福禄双至2007）为例,相关保单数据如下 |
 |
|
|
|
分红保险分红率的计算说明： |
| |
（1） 分红率 |
| |
 |
| |
需要注意的是,通过上述公式计算出来的是以现金价值为基础的分红率 |
| |
（2） 折现率： 上述计算中所有数据的现值(PV)均采用的折现率是2.5% |
| |
（3）上次面谈曾给你们介绍过，福禄双至2007重疾保险 的特点，与前一代福禄双至重疾产品（于2007年4月停售）的不同之处，就在于它的现金价值降低了，这样可以更好的帮助客户起到强制约束的作用；而另一方面，则是相对而言，提高了分红的水平，在客户发生疾病等事故需要重大经济补偿时可以获得更多的保险金额，从而实现更有效的健康保障！ |
| |
|
|
|
| 太平人寿理财规划师
曾丽仙 |
| 1991年 |
清华大学材料系硕士学位 |
| 2001年 |
北京大学光华管理学院MBA |
| 2007年 |
北京大学"金融衍生品与期货高级研修班"培训 |
| Email:azeng6801@vip.sina.com |
| 联系方式:13901064927 |
|
找清华理财规划师投保,
是您最保险,最放心的选择！
|
| |
定期寿险是包含在终身寿险合同里的: |
首先，我们先来了解一下“现金价值”这个重要的概念。
现金价值：是客户选择提前终止合同时可以退回的金额；这和客户签个定期合同，约定在某个年龄结束合同，可以领回的返还额本质上是完全一样的。
终身保险客户可以选择在任何年度结束合同，领取现金价值；
而定期寿险，客户的选择余地更小，比如，70岁到期的定期合同，你无法选择把合同继续持有到71岁！ |
|
| 终身保险合同的长期利益更有利于客户: |
仍然是上面的案例，30岁女性，投保20万福禄双至2007终身寿险
选择25年交费，年缴保费6，420元 ，累计保费的PV=122，752元（按2.5%）
我们可以得到下面的保障利益图。 |
| |
 |
| |
- 假设该客户在80岁时选择提前终止合同，我们按中档红利的话，能退回的现金价值可以达到498，808元；
- 作为对比，我们可以选择太平洋如意安康健康保险；保障至80岁，年缴保费6，420元，20年交，可以投保约23.34万； 累计保费PV = 103，862元
- 80岁满期可返还 105% *累积保费 = 134，820元
- 从下表可以看出，如果按中档红利来看，终身寿险可以在15年内达到定期寿险的保障额度；在15年内保障的偏低，我们可以很容易通过延长交费期来解决；
- 第15年后，显而易见的是，投保上述终身保险在长期利益方面远比定期保险更有利于客户。
|
|
|
| |
以30岁女性投保20万重大疾病保险（福禄双至2007）为例,相关保单数据如下 |
已
达
年
龄 |
身故
保险
金 |
身故及
重疾保险
（中档红利） |
现金
价值 |
累积
保费 |
累计保费
的现值
（按2.5%
折现率) |
保额的现
值
（按2.5%
折现率） |
PV现金价值（包含红利） |
PV(年度红利) |
现金价值（含中档红利） |
分红率
（按中档红利）
|
| 31 |
200,000.00 |
200,324.00 |
600 |
6,420.00 |
6,420.00 |
200,324.00 |
600.97 |
324 |
600.97 |
1.73% |
| 32 |
200,000.00 |
200,906.00 |
2,000.00 |
12,840.00 |
12,841.46 |
196,005.85 |
1,960.06 |
567.8 |
2,009.06 |
1.90% |
| 33 |
200,000.00 |
201,756.00 |
3,800.00 |
19,260.00 |
19,028.26 |
192,034.27 |
3,648.65 |
809.04 |
3,833.36 |
2.20% |
| 34 |
200,000.00 |
202,870.00 |
6,000.00 |
25,680.00 |
25,064.15 |
188,384.96 |
5,651.55 |
1,034.46 |
6,086.10 |
2.44% |
| 35 |
200,000.00 |
204,260.00 |
8,400.00 |
32,100.00 |
30,952.83 |
185,049.48 |
7,772.08 |
1,259.27 |
8,578.92 |
2.71% |
| 36 |
200,000.00 |
205,926.00 |
11,200.00 |
38,520.00 |
36,697.89 |
182,008.58 |
10,192.48 |
1,472.50 |
11,531.86 |
2.91% |
| 37 |
200,000.00 |
207,876.00 |
14,000.00 |
44,940.00 |
42,302.81 |
179,250.82 |
12,547.56 |
1,681.48 |
14,551.32 |
3.16% |
| 38 |
200,000.00 |
210,112.00 |
17,200.00 |
51,360.00 |
47,771.04 |
176,759.92 |
15,201.35 |
1,881.07 |
18,069.63 |
3.34% |
| 39 |
200,000.00 |
212,646.00 |
20,400.00 |
57,780.00 |
53,105.89 |
174,528.48 |
17,801.90 |
2,079.77 |
21,689.89 |
3.55% |
| 40 |
200,000.00 |
215,480.00 |
23,800.00 |
64,200.00 |
58,310.63 |
172,540.95 |
20,532.37 |
2,269.26 |
25,642.12 |
3.74% |
| 41 |
200,000.00 |
218,622.00 |
27,200.00 |
70,620.00 |
63,388.42 |
170,787.16 |
23,227.05 |
2,454.53 |
29,732.59 |
3.92% |
| 42 |
200,000.00 |
222,078.00 |
30,800.00 |
77,040.00 |
68,342.36 |
169,255.59 |
26,065.36 |
2,633.97 |
34,200.01 |
4.08% |
| 43 |
200,000.00 |
225,856.00 |
34,800.00 |
83,460.00 |
73,175.47 |
167,936.56 |
29,220.96 |
2,809.15 |
39,298.94 |
4.19% |
| 44 |
200,000.00 |
229,968.00 |
38,800.00 |
89,880.00 |
77,890.70 |
166,823.47 |
32,363.75 |
2,982.93 |
44,613.79 |
4.30% |
| 45 |
200,000.00 |
234,418.00 |
42,800.00 |
96,300.00 |
82,490.93 |
165,903.99 |
35,503.45 |
3,149.39 |
50,165.45 |
4.41% |
| 46 |
200,000.00 |
239,216.00 |
47,200.00 |
102,720.00 |
86,978.96 |
165,170.41 |
38,980.22 |
3,312.85 |
56,454.98 |
4.48% |
| 47 |
200,000.00 |
244,376.00 |
51,800.00 |
109,140.00 |
91,357.52 |
164,617.77 |
42,636.00 |
3,475.90 |
63,293.38 |
4.52% |
| 48 |
200,000.00 |
249,900.00 |
56,600.00 |
115,560.00 |
95,629.29 |
164,233.04 |
46,477.95 |
3,630.35 |
70,721.70 |
4.55% |
| 49 |
200,000.00 |
255,804.00 |
61,600.00 |
121,980.00 |
99,796.86 |
164,012.80 |
50,515.94 |
3,785.44 |
78,787.63 |
4.56% |
| 50 |
200,000.00 |
262,096.00 |
67,000.00 |
128,400.00 |
103,862.79 |
163,948.31 |
54,922.68 |
3,935.82 |
87,802.16 |
4.54% |
| 51 |
200,000.00 |
268,790.00 |
71,600.00 |
134,820.00 |
107,829.55 |
164,034.73 |
58,724.43 |
4,085.15 |
96,226.82 |
4.57% |
| 52 |
200,000.00 |
275,894.00 |
76,600.00 |
141,240.00 |
111,699.57 |
164,263.50 |
62,912.92 |
4,229.62 |
105,667.40 |
4.57% |
| 53 |
200,000.00 |
283,420.00 |
81,800.00 |
147,660.00 |
115,475.19 |
164,628.66 |
67,333.12 |
4,371.59 |
115,918.78 |
4.55% |
| 54 |
200,000.00 |
291,382.00 |
87,200.00 |
154,080.00 |
119,158.72 |
165,125.37 |
71,994.66 |
4,512.04 |
127,042.55 |
4.52% |
| 55 |
200,000.00 |
299,794.00 |
92,600.00 |
160,500.00 |
122,752.41 |
165,748.71 |
76,741.65 |
4,650.79 |
138,804.62 |
4.49% |
| 56 |
200,000.00 |
308,434.00 |
95,200.00 |
160,500.00 |
122,752.41 |
166,366.40 |
79,190.41 |
4,660.33 |
146,814.58 |
4.34% |
| 57 |
200,000.00 |
317,376.00 |
97,600.00 |
160,500.00 |
122,752.41 |
167,014.27 |
81,502.96 |
4,705.59 |
154,879.49 |
4.24% |
| 58 |
200,000.00 |
326,626.00 |
100,200.00 |
160,500.00 |
122,752.41 |
167,689.70 |
84,012.54 |
4,748.95 |
163,639.63 |
4.14% |
| 59 |
200,000.00 |
336,198.00 |
102,600.00 |
160,500.00 |
122,752.41 |
168,394.11 |
86,386.18 |
4,794.40 |
172,469.57 |
4.05% |
| 60 |
200,000.00 |
346,100.00 |
105,200.00 |
160,500.00 |
122,752.41 |
169,125.66 |
88,960.10 |
4,838.72 |
182,048.60 |
3.95% |
| 61 |
200,000.00 |
356,340.00 |
107,800.00 |
160,500.00 |
122,752.41 |
169,882.49 |
91,566.66 |
4,881.85 |
192,067.26 |
3.85% |
| 62 |
200,000.00 |
366,934.00 |
110,600.00 |
160,500.00 |
122,752.41 |
170,666.44 |
94,378.54 |
4,927.43 |
202,914.50 |
3.76% |
| 63 |
200,000.00 |
377,892.00 |
113,200.00 |
160,500.00 |
122,752.41 |
171,476.26 |
97,055.56 |
4,972.42 |
213,886.87 |
3.67% |
| 64 |
200,000.00 |
389,224.00 |
115,800.00 |
160,500.00 |
122,752.41 |
172,310.62 |
99,767.85 |
5,016.71 |
225,360.70 |
3.58% |
| 65 |
200,000.00 |
400,944.00 |
118,400.00 |
160,500.00 |
122,752.41 |
173,169.86 |
102,516.55 |
5,061.93 |
237,358.85 |
3.50% |
| 66 |
200,000.00 |
413,060.00 |
121,200.00 |
160,500.00 |
122,752.41 |
174,051.53 |
105,475.23 |
5,105.33 |
250,314.36 |
3.41% |
| 67 |
200,000.00 |
425,588.00 |
123,800.00 |
160,500.00 |
122,752.41 |
174,956.56 |
108,298.11 |
5,150.18 |
263,438.97 |
3.34% |
| 68 |
200,000.00 |
438,540.00 |
126,600.00 |
160,500.00 |
122,752.41 |
175,883.94 |
111,334.54 |
5,194.62 |
277,595.82 |
3.26% |
| 69 |
200,000.00 |
451,928.00 |
129,200.00 |
160,500.00 |
122,752.41 |
176,832.61 |
114,233.87 |
5,238.52 |
291,945.49 |
3.18% |
| 70 |
200,000.00 |
465,766.00 |
132,000.00 |
160,500.00 |
122,752.41 |
177,802.16 |
117,349.43 |
5,282.54 |
307,405.56 |
3.11% |
| 71 |
200,000.00 |
480,070.00 |
134,600.00 |
160,500.00 |
122,752.41 |
178,792.77 |
120,327.53 |
5,327.25 |
323,087.11 |
3.04% |
| 72 |
200,000.00 |
494,850.00 |
137,400.00 |
160,500.00 |
122,752.41 |
179,802.24 |
123,524.14 |
5,370.27 |
339,961.95 |
2.97% |
| 73 |
200,000.00 |
510,126.00 |
140,000.00 |
160,500.00 |
122,752.41 |
180,831.93 |
126,582.35 |
5,415.11 |
357,088.20 |
2.90% |
| 74 |
200,000.00 |
525,912.00 |
142,600.00 |
160,500.00 |
122,752.41 |
181,880.81 |
129,681.01 |
5,459.41 |
374,975.26 |
2.84% |
| 75 |
200,000.00 |
542,218.00 |
145,200.00 |
160,500.00 |
122,752.41 |
182,946.39 |
132,819.08 |
5,501.71 |
393,650.27 |
2.78% |
| 76 |
200,000.00 |
559,068.00 |
147,800.00 |
160,500.00 |
122,752.41 |
184,030.88 |
135,998.82 |
5,546.59 |
413,151.25 |
2.72% |
| 77 |
200,000.00 |
576,472.00 |
150,400.00 |
160,500.00 |
122,752.41 |
185,131.54 |
139,218.92 |
5,589.22 |
433,506.94 |
2.66% |
| 78 |
200,000.00 |
594,452.00 |
153,000.00 |
160,500.00 |
122,752.41 |
186,249.50 |
142,480.87 |
5,633.37 |
454,755.78 |
2.61% |
| 79 |
200,000.00 |
613,024.00 |
155,400.00 |
160,500.00 |
122,752.41 |
187,383.76 |
145,597.18 |
5,676.92 |
476,319.65 |
2.55% |
| 80 |
200,000.00 |
632,204.00 |
157,800.00 |
160,500.00 |
122,752.41 |
188,533.20 |
148,752.69 |
5,719.78 |
498,808.96 |
2.50% |
| 81 |
200,000.00 |
652,014.00 |
160,200.00 |
160,500.00 |
122,752.41 |
189,698.39 |
151,948.41 |
5,763.57 |
522,263.21 |
2.45% |
| 82 |
200,000.00 |
672,472.00 |
162,400.00 |
160,500.00 |
122,752.41 |
190,878.53 |
154,993.36 |
5,806.92 |
546,047.26 |
2.41% |
| 83 |
200,000.00 |
693,596.00 |
164,800.00 |
160,500.00 |
122,752.41 |
192,072.67 |
158,267.88 |
5,849.72 |
571,523.10 |
2.36% |
| 84 |
200,000.00 |
715,408.00 |
167,000.00 |
160,500.00 |
122,752.41 |
193,280.89 |
161,389.55 |
5,892.92 |
597,365.68 |
2.32% |
| 85 |
200,000.00 |
737,932.00 |
169,000.00 |
160,500.00 |
122,752.41 |
194,503.59 |
164,355.53 |
5,936.86 |
623,552.54 |
2.28% |
| 86 |
200,000.00 |
761,186.00 |
171,000.00 |
160,500.00 |
122,752.41 |
195,739.37 |
167,357.16 |
5,979.78 |
650,814.03 |
2.24% |
| 87 |
200,000.00 |
785,194.00 |
173,000.00 |
160,500.00 |
122,752.41 |
196,988.34 |
170,394.91 |
6,023.09 |
679,192.81 |
2.20% |
| 88 |
200,000.00 |
809,980.00 |
175,000.00 |
160,500.00 |
122,752.41 |
198,250.35 |
173,469.06 |
6,066.61 |
708,732.50 |
2.17% |
| 89 |
200,000.00 |
835,566.00 |
176,800.00 |
160,500.00 |
122,752.41 |
199,524.65 |
176,379.79 |
6,109.68 |
738,640.34 |
2.13% |
| 90 |
200,000.00 |
861,978.00 |
178,400.00 |
160,500.00 |
122,752.41 |
200,811.29 |
179,123.67 |
6,153.09 |
768,884.38 |
2.10% |
| 91 |
200,000.00 |
889,242.00 |
180,200.00 |
160,500.00 |
122,752.41 |
202,110.11 |
182,101.21 |
6,196.66 |
801,207.04 |
2.07% |
| 92 |
200,000.00 |
917,382.00 |
181,800.00 |
160,500.00 |
122,752.41 |
203,420.36 |
184,909.11 |
6,239.77 |
833,900.24 |
2.04% |
| 93 |
200,000.00 |
946,430.00 |
183,200.00 |
160,500.00 |
122,752.41 |
204,742.90 |
187,544.49 |
6,284.01 |
866,929.88 |
2.01% |
| 94 |
200,000.00 |
976,408.00 |
184,800.00 |
160,500.00 |
122,752.41 |
206,076.19 |
190,414.40 |
6,327.02 |
902,200.99 |
1.98% |
| 95 |
200,000.00 |
1,007,346.00 |
186,200.00 |
160,500.00 |
122,752.41 |
207,420.31 |
193,108.31 |
6,370.37 |
937,839.13 |
1.95% |
| 96 |
200,000.00 |
1,039,270.00 |
187,600.00 |
160,500.00 |
122,752.41 |
208,774.35 |
195,830.34 |
6,413.07 |
974,835.26 |
1.93% |
| 97 |
200,000.00 |
1,072,202.00 |
189,200.00 |
160,500.00 |
122,752.41 |
210,136.50 |
198,789.13 |
6,454.21 |
1,014,303.09 |
1.90% |
| 98 |
200,000.00 |
1,106,156.00 |
191,000.00 |
160,500.00 |
122,752.41 |
211,503.42 |
201,985.77 |
6,492.20 |
1,056,378.98 |
1.87% |
| 99 |
200,000.00 |
1,141,122.00 |
194,000.00 |
160,500.00 |
122,752.41 |
212,867.44 |
206,481.41 |
6,522.64 |
1,106,888.34 |
1.82% |
| 100 |
200,000.00 |
1,177,018.00 |
200,000.00 |
160,500.00 |
122,752.41 |
214,208.35 |
214,208.35 |
6,532.80 |
1,177,018.00 |
1.75% |
|
|
版权: