定期壽險vs終身壽險
比較定期和終身壽險的成本。
建議
「買定期+投資差額」更優
淨差額: $103,557
Term Total Cost
$12,000
Whole Life Total Cost
$90,000
Total Invested Difference
$78,000
Investment Value at Term End
$171,074
Whole Life Cash Value at Term End
$67,517
增長對比
Frequently Asked Questions
「買定期+投資差額」總是更好？
不總是，但對大多數家庭是更優策略。
What happens when my term policy expires?
When the term period ends, your coverage ends — and so do your premium payments. The idea behind "buy term and invest the difference" is that by the time your term expires, your investments have grown large enough that your family no longer needs life insurance (self-insured). You can also renew some term policies, though at much higher rates.
Does whole life insurance have guaranteed returns?
Whole life policies have a guaranteed minimum cash value growth (typically 2-4%), plus potential dividends from mutual insurers that can increase returns. However, the first few years of premiums mostly go to commissions and fees, so early cash value is very low. It typically takes 10-15 years to break even on a whole life policy, which is why buying term and investing the difference often comes out ahead.
本計算機僅供教育目的。