[壽險] 想請明智又有良心的業務員,幫我補強保險不足ꨠ…
小弟住在中壢,想尋求保險方面的建議。
先說在前,我個人已經讀過劉鳳和先生所寫的"平民保險王"一書,
也蠻認同他的觀念,(當然這部份可能保險業中人多數不認同),
(有試著依他書上所附的email去聯絡他,但沒有回音),
所以我想徵又明智.又有良心的業務員,
重點是您也能夠以"認同平民保險王一書所提的概念"為前提之下,去幫客戶規劃保險,
想尋求這樣子的業務員,幫我原有的保單檢視一下,
看是否有不足的部份需要加強的。小弟感謝再三。
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以下是我現在本身已有的保險: (31歲，男性)
三商美邦的無上限終身醫療險，繳費20年保障終身，已繳費4年多,
二十年繳費祥安終身壽險(20AWL) 保額: 100000
二十年期祥順定期壽險附約(20STR) 600000
意外身故及殘廢保險金(ADDR) 1000000
傷害醫療保險金限額-無社保(AMRR) 30000
傷害醫療保險金日額(DHIR) 500
新住院醫療保險附約(HSRSC) 計劃C
二十年繳費永康防癌終身健康保險附約(20KCRC) 計劃C x1
二十年繳費日額型住院醫療終身健康保險附約(20HIW) 3000
二十年繳費手術醫療終身健康保險附約(20SIW) 3000
二十年重大疾病及2,3級殘廢豁免保險費附約(20DWPR) 35000
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我現年31歲，男性，算是家裡的經濟支柱，有一妻一子，
目前名下無不動產,但預計這一兩年內會買房子,大概會買1千多萬的房子,
所以現在我是希望將壽險提高到1000萬，另外，意外險也是保到1000萬，
請問該怎麼加保才好呢?!
壽險部份，是應該另外加買保額900萬的每年1期的定期險嗎?!
(加買保額900萬的定期壽險,跟把原本的終身壽險調到1000萬保額,哪個保費較貴呢?!)
意外險部份，是應該去找產險公司買每年1期的定期意外險嗎?!
這份繳費20年終身保障的保單有必要繼續繳費維持下去嗎?!
另外，想請教還有什麼部份是沒有考慮到，而應該加保的嗎?!
有沒有建議哪一家的保險比較齊全,理賠也比較乾脆的呢?!
若有冒犯版規,請告知。
也先謝謝好心版友的意見。
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◆ From: 122.116.2.58
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