2006-09-21 21:28 保險該買15年期的還是20年期的啊,繳越久不是越貴嗎???
保險該買15年期的還是20年期的啊,繳越久不是越貴嗎???
通常在購買保險的時候,都會有15,20,25,30的年期可供挑選。
然而再挑選的時候,到底是該買哪一種年期的呢??
究竟是15年的比較好,還是要30年期的比較好。
下面提供試算表給大家看看,以全球終身防癌險,男25歲試算。
| 15年期年繳保費 | 20年期年繳保費 | 25年期年繳保費 | ||||||
| A | B | C | ||||||
| 年期 | 15 | 20 | 25 | 30 | A1-B1 | 期滿本利 | A1-C1 | 期滿本利 |
| 1 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $1,081 | $1,629 | $1,866 |
| 2 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $1,006 | $1,629 | $1,760 |
| 3 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $934 | $1,629 | $1,659 |
| 4 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $865 | $1,629 | $1,560 |
| 5 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $797 | $1,629 | $1,464 |
| 6 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $733 | $1,629 | $1,371 |
| 7 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $670 | $1,629 | $1,281 |
| 8 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $610 | $1,629 | $1,193 |
| 9 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $552 | $1,629 | $1,108 |
| 10 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $497 | $1,629 | $1,026 |
| 11 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $443 | $1,629 | $946 |
| 12 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $391 | $1,629 | $869 |
| 13 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $341 | $1,629 | $794 |
| 14 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $292 | $1,629 | $721 |
| 15 | $5,902 | $4,901 | $4,273 | $3,849 | $1,001 | $246 | $1,629 | $650 |
| 16 | $4,901 | $4,273 | $3,849 | |||||
| 17 | $4,901 | $4,273 | $3,849 | |||||
| 18 | $4,901 | $4,273 | $3,849 | |||||
| 19 | $4,901 | $4,273 | $3,849 | |||||
| 20 | $4,901 | $4,273 | $3,849 | |||||
| 21 | $4,273 | $3,849 | ||||||
| 22 | $4,273 | $3,849 | ||||||
| 23 | $4,273 | $3,849 | ||||||
| 24 | $4,273 | $3,849 | ||||||
| 25 | $4,273 | $3,849 | ||||||
| 26 | $3,849 | |||||||
| 27 | $3,849 | |||||||
| 28 | $3,849 | |||||||
| 29 | $3,849 | |||||||
| 30 | $3,849 | |||||||
| 共繳 | $88,530 | $98,020 | $106,825 | $115,470 |


