※ 보험 상담을 원하시는 분들은 아래 양식대로 작성해 주세요
① 나이 : (ex→85년생 26살)
② 성별/직업 : (남/여)/(사무직,운송직)
③ 결혼여부 : (미혼/기혼)
④ 자녀(성별, 나이) : (ex→없음/1명/2명...막내자녀4살)
⑤ 가입 희망 보험(종신, 실손, 태아 등등) :
⑥ 병력(질병이력)사항 :
⑦ 기존 보험회사 / 보험명 :
⑧ 보장내역 :
보험은 하나만 갖고 있자 해서 갖게 된 보험입니다.
무배당 삼성올라이프백세건강파트너 보험 연납 1회했구요.
보험기간 |
2009.05.29 ~ 2072.05.29 |
보험료 |
1,879,700 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
가입담보 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
보장금액 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
가입담보 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
보장금액 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
상해사망 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
50,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
상해고도후유장해 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
50,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
상해일반후유장해 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
50,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]강력범죄위로금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
1,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
질병사망 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암진단비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암진단비(상피내암) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
2,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암진단비(경계성종양) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
2,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암진단비(기타피부암) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
2,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암진단비 (갑상샘암) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
2,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암입원일당(일반암) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
30,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암입원일당(상피내암) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
6,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암입원일당(경계성종양) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
6,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암입원일당(기타피부암) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
6,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]암입원일당(갑상샘암) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
6,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]5대골절진단비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
300,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]5대골절수술비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
500,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]5대장기이식수술비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]고액치료비암 진단비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]상해흉터복원수술비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
5,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
뇌·내장손상 수술비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]급성심근경색증진단비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
질병고도장해재활자금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]만성당뇨합병증진단비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
5,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]상해장기입원비(31일이상) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
300,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]질병장기입원비(31일이상) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
300,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]벌금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]방어비용 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
3,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]면허정지위로금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]면허취소위로금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
1,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]형사합의지원금(피해자부상) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
5,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]형사합의지원금(피해자사망) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]견인비용 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
100,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]차량손해위로금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
500,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]피해자사망시 형사합의지원금(자가용) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]자동차보험료할증지원금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
200,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
중대 화상·부식 진단비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
상해고도장해재활자금 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]자동차사고부상위로금(운전자) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
2,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]상해입원일당(1일이상) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]골절진단비(치아파절제외) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
200,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
질병사망추가 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]조혈모세포이식수술비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]질병입원일당(1일이상) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
10,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]뇌출혈진단비 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
20,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]질병입원의료비(D) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
50,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]상해입원의료비(D) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
50,000,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]질병통원의료비(4) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
300,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
*[갱신형]상해통원의료비(4) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
300,000원 |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
|
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
|
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
![](https://img1.daumcdn.net/relay/cafe/original/?fname=http%3A%2F%2Fwww.samsungfire.com%2Fcyber%2Fimages%2F1px.gif) |
잘 아시는 분이 해주시고 관리도 잘 해주셔시고 계시네요.
남편 나이는 보험나이 37이고 그냥은 39이에요. 회사원이고 월수 350~400 정도 되고요
아이는 4,6살 그리고 아직 뱃속에 셋째가 있어요.
집은 있고 부채는 없고 남편 보험을 다시 생각하고 있어요. 가족들도 늘어가는 마당이라...
남편것과 같은 내용은 살짝 다르겠지만 걸로 저도 하나 가지고 있고 아이들도 하나씩 실비 나오는 보험이 있네요.
같은 분께 한거에요.
그리고 다른 지인께 교보변액유니버셜 종신3을 추천받았어요
월 204,404 원 주계약 1억6천 재해치료비특약 1000만원 교보수술특약(갱신형) 1000만원
남편의 보장자산이 너무 적다며 보장자산을 크게 하고 나중에 교육비나 필요 목적 자금도 만들수 있고
10년뒤 비과세 통장도 되니 비과세 통장을 애들한테 물려 주어도 좋다고요.
그런데 보험에 대해 이것 저것 알아보니 소멸성 정기보험랑 암보험 비갱신형을 마련해 놓는게 더 나은것 같기도 하고
교보 정기보험을 같은 조건으로 인터넷으로 계산해보니 그것도 10만원 정도 하고 만기환급형으로 하면 19만원으로 변액유니버셜이랑 얼마 차이 나지 않는거 같네요.
이게 맞게 한건지...
37세의 정기 보험은 다 10만원 정도 예상해야 할까요?
어떻게 남편 보험을 다시 설계해야 할지 모르겠어요. 좋은 조언 부탁드려요.
첫댓글 보장자산은 사망보상금을 의미하며 사망보상금 마련을 변액상품으로 준비하시는것은 추천드리지 않습니다. 변액상품은 보험료가운데 일정부분이 채권,주식 등에 투자되어 수익을 기대하는 상품으로 장기간 운용시에는 수익을 기대할수 잇는 장점이 있는 것은 맞지만, 여윳돈을 운용하기 위한 방법은 될수 있으나, 보장자산 마련을 위해 준비하는것은 목적에 부합하지 않습니다.
보장자산을 늘리시고 싶으시면 보험료가 훨씬 저렴한 정기보험으로 준비하시어, 보장자산이 필요한 기간동에만 실용적으로 보장받으시길 바랍니다. 37세 정기보험은 6-7만원대로 1억플랜을 준비하실수 있습니다. 기존보험은 타사대비 보험료가 20%이상 비싸고, 뇌혈관 보장범위도 좁아 경쟁력이 있는 상품은 아니지만, 잘아시는 분꼐서 잘관리 해주시다면 유지해도 무방할것오나 기타 필요성이 떨어지는 특약에 대해서는 정리하시길 권해드리옵고, [갱신형]이라는 의미를 이해하신후에 적합하다고 판단하신다면 잘 유지하시길 바랍니다.
안녕하세요
아시는분이 관리까지해준다니 보험걱정은 덜하시겠는데요, 지금 정기보험 목적이라면 정해진기간만큼 사망보장금을 준비하여 배우자분의 유고시를 대비하는경우인데 막내자녀가 4살이라시니깐 30살까지 약 25년정도 기간을 준비하시면 되시겠네요 개인적으로는 환급형보다는 순수형 정기보험으로 갑작스런 위험을 대비한다는 생각으로 저렴하게 가입하시는게 현명하실듯합니다, 환급형경우 물론 납부하는 보험료를 돌려받는경우가 되지만 이환급형에 투자하는만큼에 보험료를 다른 저축이나 투자상품으로 돌리게된다면
환급형으로 만기수령액보다 더많은 이윤을 창출할수가있기에 정기보험을 준비하신다면 환급형보다는 순수형으로 저렴하게 보장받으시길 바람니다.
더 궁금하신부분 글남겨주시거나 개별요청해주시면 세세한 안내해드리겠습니다.