September 11,2007 22:55

郵局六年吉利儲蓄保險減額繳清

小豬爸爸在94年辦了郵局六年吉利保險,到今年已經繳了26期,每期是13386

元,共繳348036元,因為最近開銷變大已經過三期沒繳,這反而成為沈重的負

擔,強迫存款美意雖好,但總不能讓日子過的不像日子,想喝個STARBUCKS還

得想上半天,摸口袋看看銅板夠不夠,不夠只好7-11的CITY COFFEE。上網

了yahoo知識,真得是有看沒有懂,沒有確切的答案,於是乎還是自己去郵局一

趟(保單上的郵局),直接問個明白。

郵局服務人員還蠻親切的,想看看減少保額還是減額繳清划算,於是請她幫忙列

印出試算表參考,以當月為準。

1.減額繳清,保價金額是到8月是29期382834元,382834-40472(三期沒繳

金額,應該是40158,可能加上利息)-10000(業務維持費用,投保金額1/100)

=332362,期滿後可以拿回366124元。

366124-348036(已繳的錢)=18088(利息所得),不急用錢的好選擇。比期滿

還划算,只差只有366124元保險理賠。

2.減少保額,經瞭解現今算法是以比如投保100萬,減少到50萬,那你繳的保費

就除以二,另一半還給你,另一半當保費,這樣真的不划算,除非你需要一筆

錢。待會算給你看,這比較複雜一點。

保價金額是到8月是29期382834元,382834/2=191417,另外191417退還

給你=>191417*0.9(打九折)=172275

172275-40472(三期沒繳金額,應該是40158,可能加上利息)=131803實際

退回金額,其餘每月繳6693繼續繳到額滿,保額50萬。算一下差別。

6693*(72-29)+191417= 479216繳的錢

500000-479216= 20784利息

原先已繳348036-191417=156619剩餘部分

131803(實際領回金額)-156619= -24816賠的部分,很不划算。

期滿的利息20784-賠的錢24816=- 4032(期滿還賠錢),除非你真得要這筆

錢,否則千萬不要做傻事選減少保費這一項。

*最後奉勸大家如果已經保了,就不要退保。如果沒錢繳,請選減額繳清。


  • bloggrace 發表於樂多回應(76)引用(3)小豬爸爸編輯本文
    樂多分類:經濟/理財切換閱讀版型 │昨日人次:22 │累計人次:31487
     

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    小豬爸爸在94年辦了郵局六年吉利保險,到今年已經繳了26期,每期是13386
    the lovely dragon【小婕成長日記:郵局六年吉利儲蓄保險減額繳清 - 樂多日誌】 at September 22,2014 07:54
    小豬爸爸在94年辦了郵局六年吉利保險,到今年已經繳了26期,每期是13386
    zabawki smoby【小婕成長日記:郵局六年吉利儲蓄保險減額繳清 - 樂多日誌】 at November 23,2014 13:24
    小豬爸爸在94年辦了郵局六年吉利保險,到今年已經繳了26期,每期是13386
    gift ideas for hunters【小婕成長日記:郵局六年吉利儲蓄保險減額繳清 - 樂多日誌】 at November 24,2014 12:01

    回應文章

    阿.我最近也很困惑.我是買40萬六年.已繳51期.每月$5425(原先是$5480轉帳優惠1%).共繳$276,675...都不知道可以解約這種事.因為自從一年前買基金開始才發現自己怎麼會笨到買吉利儲蓄險= =".現在很想解掉.因為我本身就有南山跟安泰二家保險了.想趕快把郵局的錢拿去投資基金(現在可是低點買進的好時機)...不知怎麼做會比較好呢>"
    | 檢舉 | Posted by harmi at April 18,2008 16:55
    郵局員工跟我講,她們都不會買六年吉利,因為利息少得不像話
    她們都會去買步步高升這個保險專案。
    我想了很久,有一種方式可以存錢又冷靜地仔細思索,
    就是,要保險及儲蓄兩相兼顧的話,
    首先先拿幾百塊錢,去跟產險公司買意外險,因為年輕人多半是因意外而不小
    心去見上帝的,所以先把意外險買足,大約一千萬!
    再者,去郵局辦零存整付1年期,約定到期後錢錢直接轉入個人帳戶,省卻去
    櫃檯提前的手續及時間,而且賺了一年的利息。

    屆時,想要辦理郵政儲蓄壽險的話,就有一筆錢可以用年繳(比較便宜)的方
    式去買了。同時,再辦一個前述的零存整付1年期並約定到期後錢錢直接轉入
    個人帳戶。這樣的話,就不用擔心,到時候沒錢繳保費,而且錢是自動入帳戶
    並自動扣繳保費,豈不是省事多了,還賺到利息。
    | 檢舉 | Posted by 呆呆 at July 21,2008 21:33

    富邦有一張五五得利,利息比現在吉利險多1.7%,六年期滿可以選擇繼續存放,年利率每年2.25%複利成長,如果您想要了解詳細請寄信至小弟的信箱:)
    | 檢舉 | Posted by 介中 陳 at December 6,2010 23:13

    其實任一家保險業的儲蓄險利息都比郵局好,如果真計較利息去找你身邊的保險業務員吧。
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