本帖最后由 _用心聆听_ 于 20-12-2015 16:19 编辑
虽然楼主没有要保诚保险的保单信息，但是还是给几个供参考：
第一个：保额恒定，保费恒定。
PruTerm VantageDeath Benefit - 500K - 30Years - Premium 1020.00 per Year - Accelerated Disability - 500K - 25Years - Premium 90.00 perYear - Crisis Waiver - 30Years - Premium 99.19 per Year - Early Stage Crisis Waiver - 30 Years - Premium 59.09 perYear Total Premium: 1263.28 per Year / 107.37 per Month
Coverage remain unchanged.
Premium Guaranteed throughout policy term. Current Promotion: 20% off for first Year, or 30% for PruPrestigeClient.
Note: - Crisis Waiver: Waive all future premium upon CriticalIllness - Early Stage Crisis Wavier: Waive premium for 5 or 10 yearsupon Early Stage or Intermediate Stage CI.
第二个：保额缓慢降低，保费只付27年。
PruMortgage – 500K – 30 Years – Premium 670.00 per Year - Mortgage rate of interest – 3% - Crisis Waiver - 30Years - Premium 55.01 per Year - Early Stage Crisis Waiver - 30 Years - Premium 29.80 perYear Total Premium: 754.81 per Year / 64.16 per Month Premium Term: 27 Years Policy Term: 30 Years
第三个：保额缓慢降低，保费只付27年。
PruMortgage – 500K – 30 Years – Premium 750.00 per Year - Mortgage rate of interest – 7% - Crisis Waiver - 30Years - Premium 61.58 per Year - Early Stage Crisis Waiver - 30 Years - Premium 33.36 perYear Total Premium: 844.94 per Year / 71.82 per Month Premium Term: 27 Years Policy Term: 30 Years
对于第二个和第三个，不同的地方在于贷款利率，保单设置可选3%到7%，利率越高，保额降低的越缓慢，保费也就越高。
还有两个特别一点的：
第四个：
PruMortgage Refund Premier – 500K – 30 Years – Single Premium32,715.00 - Mortgage rate of interest – 3% - Guaranteed Return of Premium at Cover Expiry Date: 32,715.00
第五个：
PruMortgage Refund Premier – 500K – 30 Years – Single Premium35,680.00 - Mortgage rate of interest – 5% - Guaranteed Return of Premium at Cover Expiry Date: 35,680.00
对于第四个和第五个，属于单笔保费保单，一次性付清。
如果保单没有索赔，那么会返还保费。
贷款利率设置可选1%到5%，跟上面一样，利率越高，保额降低的越缓慢，保费就越高。
最后，贷款保障保险，属于人寿险范畴，建议纳入整体保障保险规划，要综合考虑具体人寿保障，重病保障的需求，以及退休计划的安排，这样才能定制出符合自己的综合方案。
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