保险term insurance计划求优化，求各家报价~~

bigapple888

女，生日，1984.6月，不吸烟

重疾和TERM PLAN加一块100万，不要TPD，加患重疾后免除保费的WAIVER。

重疾20-25万（不保早期）

TERM PLAN和重疾都保到60岁。

现在基本上心里有数了。

desperado123

您好，提供下AXA的保险供参考，
Term to Age 65 Death保障到65岁， CI到60岁

Death 保额1,000,000  保费 $724
Advance CI Payout 保额100,00 $250 （如果20w晚期重疾就是$500)
CI Premium Eraser $56.39
年总保费 1030.39

请问下您为什么不要TPD Rider？
AXA的term没有早期CI Rider，加上早期CI Rider应该会超过您的预算，具体看其他几家的报价。

bigapple888

desperado123 发表于 15-8-2017 11:36
您好，提供下AXA的保险供参考，
Term to Age 65 Death保障到65岁， CI到60岁

首先谢谢回复，TPD要一残残一对才能赔付吧，这种概率也蛮低的，不如单独买意外险比较好。

那么要加上一个早期的，应该怎么办？

desperado123

bigapple888 发表于 15-8-2017 11:58
首先谢谢回复，TPD要一残残一对才能赔付吧，这种概率也蛮低的，不如单独买意外险比较好。

那么要加上一 ...

残一对只是其中一个定义，还有一个loss of independence,我把TPD定义的原文发给您参考下，其实TPD保额100w，一年大概也就100左右，您可以一起参考下
In the opinion of two (2) Registered Medical Practitioners approved by Us, the
disability is caused by an Accident, sickness or disease and:
i) results in the complete and continuous inability of the Life Assured to engage in
any business, occupation, work or profession of any kind for profit,
compensation, wages or remuneration; and
ii) the disability is continuous, expected to be permanent and has lasted for at least
six (6) months;
Or
(2) As a result of disease, illness or injury, the Life Assured becomes totally and
permanently unable to perform at least three (3) of the following six (6) “Activities of
Daily Living” even with the aid of special equipment, and always require physical
assistance of another person throughout the physical activity for a continuous period
of at least six (6) months:
i) Transferring: The ability to move from a bed to an upright chair or wheelchair and
vice versa
ii) Mobility: The ability to move indoors from room to room on level surfaces
iii) Toileting: The ability to use the lavatory or otherwise manage bowel and bladder
functions so as to maintain a satisfactory level of personal hygiene
iv) Dressing: The ability to put on, take off, secure and unfasten all garments and
as appropriate, any braces, artificial limbs or surgical appliances
v) Washing: The ability to wash in the bath or shower (including getting into and
out of the bath or shower) or to wash satisfactorily by any other means
vi) Feeding: The ability to feed oneself once food has been prepared and made
available
The diagnosis must be confirmed and certified by a Registered Medical Practitioner.
For all ages, it shall be considered a TPD if the Life Assured suffers from any of the following:
a) Total and permanent loss of sight in both eyes; or
b) Physical loss or loss of use of any two (2) limbs; or
c) Total and permanent loss of sight in one (1) eye with physical loss or loss of use of any one (1) limb.

关于保障早期疾病的问题，我记得Prudential的Term可以加一个早期的rider，应该不会便宜，具体价格可以等prudential的经纪发报价，AXA也有只保障早中晚期重大疾病的单独的保单，我看了下10w的保额一年需要交1000左右，并没有cash value。如果您想要保障早期重大疾病，还是建议去买一个whole life吧，不过就是有点贵，保障身故早中晚期重大疾病10w保额，交25年一年也要2000左右了，超出您预算很多，好处就是这个保障到99岁，有cash value，大概70多岁取消保单可以拿回来交的保费。关键看您个人情况，以及预算想法啦。

_用心聆听_

给楼主几个保单供参考。

现在普遍的TPD的定义包括这么几项：
1，完全失去工作能力；
2，两只眼睛和四肢中，有两项失去功能；
3，在六项日常生活行为中，至少做不到三项
楼上也给出了详细的英文资料可以参考。

鉴于您的预算较低，重病部分保额就比较低了，早期重病的保费会更高一些。昨天有一位跟您同龄的客户，做了一份100万人寿险，外加30万重病险，包括早中晚期重病还有后期癌症复发的，保障到65岁，每年保费在2000左右。

zhang891004

_用心聆听_ 发表于 15-8-2017 13:46
给楼主几个保单供参考。

现在普遍的TPD的定义包括这么几项：

早期疾病呢？

bigapple888

xiaoxu1020 发表于 15-8-2017 14:16
如果需要早期重疾的保障,然后预算是1000块的话，您看下下面这个配置怎么样。这个配置包括了早中晚期重疾， ...

谢谢，已绕晕，再消化消化。超过1000也可以，是越低越好，实在不行，预算提高到1500也可以。

bigmice

关于名词的解释这里不赘述了。
给个GE的报价
TERM 到60岁，保额100万 （无TPD)    682/年， 加大病保费豁免RIDER， 只要在加 42.45/年  即可。

保早期/中期/晚期大病，保额10万， 保20年。 保费857/年。（早期100%赔付）