더 든든한 무배당교보통합CI보험(두번보장형1종, 유지해야할까요?

<div>질문  -> 더 든든한 무배당교보통합CI보험 유지해야할까요?<table style="width: 100%;" border="1"><tbody><tr><th id="contract_date">계약일</th><td headers="contract_date">2013.03.28</td><th id="join_sum">가입금액</th><td headers="join_sum">7,000 만원</td></tr><tr><th id="last_pay">최종납입월</th><td headers="last_pay">2015.07</td><th id="insurance_term">보험기간</th><td headers="insurance_term">종신</td></tr><tr><th id="insurance">보험료</th><td headers="insurance">262,422 원</td><th id="pay_number">납입횟수</th><td headers="pay_number">29 회</td></tr><tr><th id="pay_term">납입기간</th><td headers="pay_term">20 년</td><th id="insurance_expiry">보험만기일</th><td headers="insurance_expiry">종신</td></tr><tr><th id="last_deposit">최종입금일</th><td headers="last_deposit">2015.07.27</td><th id="pay_period">납입주기</th><td headers="pay_period">월납</td></tr><tr><th id="pension_age">연금개시연령</th><td headers="pension_age">00세</td><th id="pay_way">납입방법</th><td headers="pay_way">자동이체</td></tr></tbody></table> <table class="pc-smartUItable-skin-vinyl" id="smartUItable_searchListDiv" name="smartUItable_searchListDiv"><thead><tr><th id="ditc" scope="col">구분</th><th id="entryAmt" scope="col">가입금액(만원)</th><th id="insuTerm" scope="col">보험기간</th><th id="paymentTerm" scope="col">납입기간</th><th id="insuFee" scope="col">보험료(원)</th><th id="stateNm" scope="col">비고</th></tr></thead><tbody><tr data-index="0"><td class="cellText-Left ls0" headers="ditc">주계약 </td><td class="cellText-Right ls0" headers="entryAmt">7,000</td><td class="cellText-Center ls0" headers="insuTerm">종신</td><td class="cellText-Center ls0" headers="paymentTerm">20년</td><td class="cellText-Right ls0" headers="insuFee">220,500</td><td class="cellText-Center ls0" headers="stateNm"></td></tr><tr data-index="1"><td class="cellText-Left ls0" headers="ditc">두번째CI보장특약(갱신형)Ⅱ(최초계약) </td><td class="cellText-Right ls0" headers="entryAmt">1,000</td><td class="cellText-Center ls0" headers="insuTerm">3년</td><td class="cellText-Center ls0" headers="paymentTerm">3년</td><td class="cellText-Right ls0" headers="insuFee">3,210</td><td class="cellText-Center ls0" headers="stateNm"></td></tr><tr data-index="2"><td class="cellText-Left ls0" headers="ditc">교보암진단특약(갱신형)Ⅱ 최초계약 </td><td class="cellText-Right ls0" headers="entryAmt">2,000</td><td class="cellText-Center ls0" headers="insuTerm">3년</td><td class="cellText-Center ls0" headers="paymentTerm">3년</td><td class="cellText-Right ls0" headers="insuFee">3,800</td><td class="cellText-Center ls0" headers="stateNm"></td></tr><tr data-index="3"><td class="cellText-Left ls0" headers="ditc">추가납입특약 </td><td class="cellText-Right ls0" headers="entryAmt">0</td><td class="cellText-Center ls0" headers="insuTerm">종신</td><td class="cellText-Center ls0" headers="paymentTerm">20년</td><td class="cellText-Right ls0" headers="insuFee">0</td><td class="cellText-Center ls0" headers="stateNm"></td></tr><tr data-index="4"><td class="cellText-Left ls0" headers="ditc">Life할증특약(확정) </td><td class="cellText-Right ls0" headers="entryAmt">17</td><td class="cellText-Center ls0" headers="insuTerm">종신</td><td class="cellText-Center ls0" headers="paymentTerm">20년</td><td class="cellText-Right ls0" headers="insuFee">13,125</td><td class="cellText-Center ls0" headers="stateNm"></td></tr><tr data-index="5"><td class="cellText-Left ls0" headers="ditc">CI할증특약(확정) </td><td class="cellText-Right ls0" headers="entryAmt">17</td><td class="cellText-Center ls0" headers="insuTerm">종신</td><td class="cellText-Center ls0" headers="paymentTerm">20년</td><td class="cellText-Right ls0" headers="insuFee">19,425</td><td class="cellText-Center ls0" headers="stateNm"></td></tr><tr data-index="6"><td class="cellText-Left ls0" headers="ditc">LTC할증특약(확정) </td><td class="cellText-Right ls0" headers="entryAmt">17</td><td class="cellText-Center ls0" headers="insuTerm">종신</td><td class="cellText-Center ls0" headers="paymentTerm">20년</td><td class="cellText-Right ls0" headers="insuFee">2,362</td></tr></tbody></table>  보험료도 살짝 부담이 되고...만일 상품이 좋으면 유지하겠지만 그렇지 않으면..CI보험에 대해 부정적으로 얘기하시는 분들이 많아서용..보험구단님 도와주세요...   답변->   게시글 제목 작성요령. "무엇에 대해 상담 혹은 질문합니다"라고 구체적으로 기재     ----------------------------------------------------------------------------------------- * 실제 보험금의 지급여부는 개별 계약의 보험약관과 구체적인 사실관계에 따라 사안별로 결정되며 해당 상품의 약관 및 가입설계서 내용이 최 우선입니다. * 보험설계사 등 보험영업을  목적으로 하는  블러그나  카페에   스크랩 하지 마세요. </div>