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风险人寿保险 - 德国理财网

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风险人寿

风险人寿保险Risikolebensversicherung是非常建议购买的一个保险,不仅是对子女及配偶的保护,而且价格也非常低。这种保险和Kapital-Lebens-versicherung 不同,只针对死亡的情况理赔。

如果一个有三个孩子的家庭在只有父亲工作养家,母亲是全职妈妈的情况下,万一父亲意外丧生,对这个家庭在经济方面的打击是毁灭性的。如果该父亲投保了一份赔偿金额为150000欧元的风险人寿保险,那么他的家庭在他故去后至少可以用这笔钱偿还贷款并且继续很好的生活下去。

》》》点击这里免费比较《《《

保费会根据个人不同的情况而不同,如吸烟者比非吸烟者贵,年龄大的客户比年轻的客户贵。合同缔结前,客户需要回答一些健康问题。举例来说,肥胖,高血脂或高血压的客户,他们的保费也比较高。而一些已经查出严重疾病的,保险公司根本不包,或至少要支付高额的风险溢价。

因此,在年轻和健康的时候就购买一份Risikolebensversicherung是很重要的,特别重要的是要选择Nachversicherungsgarantie,那么客户以后可以在无需体检的情况下增加保额,如结婚后,生孩子后或收入上升后。

对于家里要付房贷的家庭来说,给主要收入来源的那个人买Risikolebensversicherung是更重要的。如果原来有保险的,也要适当的扩大保额。

一个可以与风险人寿保险组合的险种是丧失职业能力险。作为家里唯一收入来源人的父亲也应考虑到万一发生意外,他失去工作能力的情况下,如何才能维持家庭的生活水平尽可能地不受影响。虽然这个险种的保金不低,但是只有通过丧失工作能力险和风险人寿保险,家庭才能得到全面的保障,在任何情况下都不会陷入绝境。

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