Re: 보험 정리안입니다.

전 현재 31세의 직장인입니다. 2009년 2월에 결혼을 하게되니 제 재무구조가 궁금해서 이래저래 따져봤는데 아무래도 보험의 비중이 너무 높은것 같더라구요!   보험상품들입니다. <TABLE style="WIDTH: 597pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width=792 border=0> <COLGROUP> <COL style="WIDTH: 50pt; mso-width-source: userset; mso-width-alt: 2144" width=67> <COL style="WIDTH: 119pt; mso-width-source: userset; mso-width-alt: 5056" width=158> <COL style="WIDTH: 32pt; mso-width-source: userset; mso-width-alt: 1344" span=2 width=42> <COL style="WIDTH: 44pt; mso-width-source: userset; mso-width-alt: 1856" width=58> <COL style="WIDTH: 40pt; mso-width-source: userset; mso-width-alt: 1696" span=3 width=53> <COL style="WIDTH: 122pt; mso-width-source: userset; mso-width-alt: 5184" width=162> <COL style="WIDTH: 78pt; mso-width-source: userset; mso-width-alt: 3328" width=104> <TBODY> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl66 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; WIDTH: 50pt; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" width=67 height=17>회사</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 119pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=158>상품명</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 32pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=42>납입액</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 32pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=42>납입횟수</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 44pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=58>현재까지</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 40pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=53>가입년월</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 40pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=53>납입기한</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 40pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=53>보장기간</TD> <TD class=xl67 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 122pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=162>보장내용</TD> <TD class=xl68 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: windowtext 0.5pt solid; BORDER-LEFT: #ece9d8; WIDTH: 78pt; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent" width=104>기타</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl69 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: yellow" height=17>라이나생명</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">무배당가족사랑플랜3종</TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">    21,520 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">         34 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">        731,680 </TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2006년 01월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2010년 12월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2011년 01월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">사망시 1백만/월*10년간,골절(50만)</TD> <TD class=xl72 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">해약환급없음.</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl73 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17>알리안츠</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">체인지플러스보장</TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">    20,295 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">        110 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">      2,232,450 </TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">1999년 09월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2009년 08월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2042년 09월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">교통사고,암(2천만)</TD> <TD class=xl76 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">　</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl69 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: yellow" height=17>AIG생명</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">무배당원스톱암보험</TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">    27,600 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">         54 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">      1,490,400 </TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2004년 05월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2024년 04월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2034년 04월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">암진단금 4천만</TD> <TD class=xl72 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">　</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl73 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17>메트라이프</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">무배당베스트콜 더블암케어보험</TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">    39,600 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">         30 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">      1,188,000 </TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2006년 05월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2016년 04월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2048년 05월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">암진단금 4천만</TD> <TD class=xl76 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">만기환급</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl69 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: yellow" height=17>현대해상</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">무배당하이콜종합보험Hi0809(기본플랜)</TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">    36,990 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">          2 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">          73,980 </TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2008년 10월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2028년 09월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2077년 10월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">상해입원(1억)상해통원(30만), 골절(20만)</TD> <TD class=xl72 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">만기환급</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl73 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17>교보생명</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">무배당교보다이렉트종신보험</TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">    51,085 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">         17 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">        868,445 </TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2007년 06월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2027년 05월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">종신</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">사망70이전(3천)이후(1천5백)</TD> <TD class=xl76 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">　</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl73 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17>교보생명</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">무배당교보연금보험</TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">   100,000 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">         26 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">      2,600,000 </TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2006년 09월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2016년 08월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">종신</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">연금시기 만65세</TD> <TD class=xl76 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">　</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl73 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17>교보생명</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">무배당교보골드라이프연금보험</TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">   100,000 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">         11 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">      1,100,000 </TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2007년 12월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2017년 11월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">종신</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">연금시기 만65세</TD> <TD class=xl76 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">　</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl73 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17>교보생명</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">무배당교보골드라이프연금보험</TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">   100,000 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">          5 </TD> <TD class=xl75 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">        500,000 </TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2008년 06월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">2018년 06월</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">종신</TD> <TD class=xl74 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">연금시기 만65세</TD> <TD class=xl76 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: transparent">　</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl69 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: #ece9d8 0.5pt; HEIGHT: 12.75pt; BACKGROUND-COLOR: yellow" height=17>동양생명</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">무배당수호천사행복플랜2보험</TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">   125,550 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">          1 </TD> <TD class=xl71 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">        125,550 </TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2008년 10월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2028년 09월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">2038년 09월</TD> <TD class=xl70 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">사망보험금 4천5백</TD> <TD class=xl72 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: #ece9d8 0.5pt; BACKGROUND-COLOR: yellow">연금전환</TD></TR> <TR style="HEIGHT: 12.75pt; mso-height-source: userset" height=17> <TD class=xl77 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; HEIGHT: 12.75pt; BACKGROUND-COLOR: transparent" height=17>계</TD> <TD class=xl78 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">　</TD> <TD class=xl79 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">   622,640 </TD> <TD class=xl79 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">　</TD> <TD class=xl79 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">     10,910,505 </TD> <TD class=xl78 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">　</TD> <TD class=xl78 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">　</TD> <TD class=xl78 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">　</TD> <TD class=xl78 style="BORDER-RIGHT: #ece9d8 0.5pt; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">　</TD> <TD class=xl80 style="BORDER-RIGHT: windowtext 0.5pt solid; BORDER-TOP: #ece9d8; BORDER-LEFT: #ece9d8; BORDER-BOTTOM: windowtext 0.5pt solid; BACKGROUND-COLOR: transparent">　</TD></TR></TBODY></TABLE>   이렇게 정리해놓고 보니 참 많네요! 중복되는 것도 보이고요! 노란색으로 된것은 해약해서 저축으로 돌리려고 합니다. 어떨까요? 상품에대한 많은 지식이 없어서 일단 제 생각대로 한번 선정해봤습니다.   안녕하세요? FC 푸른미래입니다.   보험 매니아이신것 같습니다. 가입안내를 하신 FC분들도 대단하시구요.^^   보험설계 및 가입의 정답은 없습니다만 제가 생각하고 있는 보장성 보험 설계 및 가입 방향   <A href="http://blog.daum.net/fpforu/7377976">http://blog.daum.net/fpforu/7377976</A>   특약, 보장 구성방안  <A href="http://blog.daum.net/fpforu/7624938">http://blog.daum.net/fpforu/7624938</A> 결혼예정이시므로 여기에 사망보장을 갖추시면 되겠죠.     1안 : 라이나생명 가족사랑, AIG생명 암, 교보다이렉트종신 정리후 정기보험(사망보험금 책정) 보완         (전체 보장내용을 봐야 알겠지만 현대해상의 의료실비, 100세만기고 1억원 한도이므로 유지하는것도 괜찮음)   2안 : 알리안츠와 메트라이프 암보험만 놔두고 모두 정리하고 의료실비와 사망보장 재설계     그리고 동양생명의 저축보험은 생각하고 계신대로 연금보험이 있으므로 가입, 유지의 필요성이 떨어지네요.   6개월, 1년에 걸쳐서 연금보험을 쪼개서 가입한것은 조금 아쉽네요. 연금보험은 각 계약별로 보장이 조금씩 책정되어 있으므로 금액이 크지 않다면 쪼개지 말고 하나로 가입하시는것이 좋습니다.