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储蓄人寿保险 - 德国理财网

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 储蓄养老保险

人寿保险有两种形式:风险人寿保险和储蓄人寿保险。
两者的区别是,风险人寿保险只有在投保人离世的情况下,他的保险受益人才会获得保险公司固定金额的理赔。储蓄人寿保险不仅在投保人离世时会理赔,而且在投保人没有离世的情况下,在保险合同到期时也会把保险期间积累的储蓄金以及其增值部分返还给投保人。储蓄人寿保险的作用在于既能规避投保人离世的风险,又能在风险没有出现的情况下作为养老保障使用。所以说储蓄人寿保险是一种投保人权衡了收益,安全与风险各种因素以后的最佳选择。

储蓄人寿保险的程序是,投保人每月存入一定数额的款项,在离世时或保险到期时从保险公司取得一定数额的理赔或返款。返款数额由存入款金额和保险公司保证的利息两部分购成。在过去的一二十年里,几乎所有的保险公司都能为投保人支付比现在的保证利息1,25%高得多的利息。其原因为保险公司当年投资的金融产品不仅带来了丰厚的盈利,而且投资价值也大大增值。

如果您选择与基金挂钩的储蓄人寿保险的话,则非常可能获得比较高的利息。但是这种高盈利的投资同时也存在比较高的风险,如果选择投资这种产品,保险公司是没有保证最低利息的保证的。

如果购买私人退休金保险,在达到一定年龄后就可以从保险公司获得约定的退休金,但是一旦投保人死亡,他的私人退休金是不能转给其他亲属的。与此相比,您可以通过投保储蓄人寿保险达到使您的家人受益的目的。一般的储蓄人寿保险与退休金保险相似,从投保人达到62岁(如在2012年前签订合同的话只需达到60岁)起就对投保人进行返款。

》》》免费获取报价请点击这里《《《

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