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如何抉择？理解定期寿险VS终身寿险

引言

嘿！说到保险，你可能会想到的是终身寿险，买就是了。但是对于我们来说，选择起来可没那么容易！定期寿险、终身寿险，到底哪个更适合我们呢？今天就来一起揭晓！

定期寿险 VS 终身寿险

  1. 保障范围
    • 定期寿险：就像一个限时特价优惠，只在规定时间内有效。如果你在这段时间内不幸离世，保险公司会给予家人一笔赔偿；但如果时间到了你还健健康康地活着，那保费就打了水漂啦。
    • 终身寿险：这个保险就像是个超级VIP，保障到你撒手人寰。无论是什么原因导致的身故，都能得到保险金赔付。
  2. 保障期限
    • 定期寿险：提供10年、20年或到你65岁等多种选择，像个订餐单一样，选一个就行。
    • 终身寿险：无期限，直到你挂了为止。
  3. 适用人群
    • 定期寿险：适合收入较低但责任较重的人，相当于为家庭责任上的重要时期投上一份保险。
    • 终身寿险：适合有经济实力，想要留下遗产的人。因为这个保险不仅能保障家人，还能积攒一些现金。
  4. 费用
    • 定期寿险：便宜实惠，没有现金价值。相当于用小钱买大保障。
    • 终身寿险：费用高一些，但保障时间更长，有一定的储蓄功能。

结论

对于我们来说，定期寿险可能更实惠一些。毕竟小钱也能买大保障，何乐而不为呢？但如果你有更多的钱，并且想要留下一笔遗产，那终身寿险也是个不错的选择！最重要的是根据自己的实际情况来决定，别被那些花里胡哨的名词吓到，保险还是要量力而行才行！

 

#新加坡保险

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Jolysse邬宇思

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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