一位朋友向焦君訴苦：同一份保險
，為啥我買的保險退的時候才退300元，有人能退3800元？在仔細聊過之後，明白過來是怎麼回事：在猶豫期內，保險公司退還所交保費

，而過了15天的猶豫期之後，退的是保單的現金...

有you些xie朋peng友you在zai對dui保bao險xian缺que乏fa了le解jie時shi，經jing推tui銷xiao購gou買mai到dao了le不bu適shi合he自zi己ji的de保bao險xian產chan品pin。當dang他ta們men想xiang要yao退tui保bao時shi卻que發fa現xian，我wo已yi經jing交jiao了le那na麼me多duo錢qian了le，為wei什shen麼me隻zhi退tui給gei我wo這zhe麼me點dian
？保bao險xian公gong司si是shi不bu是shi又you坑keng我wo錢qian了le
？ 退保涉及到保單價值的問題
，多保魚今天就教...

youxuduobaoxiangongsiweilexiyinkehu，huituichuyixietebiedebaoxianchanpin，biruzuhexingbaoxian，jiangjigebaoxianchanpinzuhedapeizaiyiqijinxingxiaoshou，rangbaozhangtiaokuangengjiawanshan。 之前多保魚總認為
，保險條款應當是越簡單越好，如果保險產品比較複雜，就很...

中zhong國guo人ren壽shou是shi我wo國guo的de一yi家jia大da型xing金jin融rong保bao險xian機ji構gou，而er且qie在zai全quan球qiu已yi經jing成cheng為wei了le市shi值zhi最zui大da的de上shang市shi壽shou險xian公gong司si
，那na麼me
，這zhe種zhong全quan球qiu知zhi名ming企qi業ye的de保bao險xian有you哪na些xie險xian種zhong？其qi實shi主zhu要yao還hai是shi常chang見jian的de分fen紅hong險xian，養yang老lao險xian，少shao兒er險xian

，人ren壽shou險xian等deng等deng，下xia麵mian給gei大da家jia詳xiang細xi介jie紹shao具ju體ti內nei...

我wo國guo保bao險xian行xing業ye發fa展zhan的de比bi較jiao晚wan，保bao險xian市shi場chang還hai沒mei有you到dao達da飽bao和he，新xin型xing保bao險xian公gong司si層ceng出chu不bu窮qiong，他ta們men具ju有you無wu限xian發fa展zhan潛qian力li，而er常chang見jian的de老lao牌pai保bao險xian公gong司si基ji本ben已yi經jing過guo度du完wan畢bi
，體ti係xi更geng加jia成cheng熟shu，並bing且qie有you用yong一yi批pi忠zhong實shi的de消xiao費fei者zhe，在zai保bao險xian市shi場chang上shang擁yong有you絕jue對dui的de競jing爭zheng力li...

終zhong身shen壽shou險xian根gen據ju名ming稱cheng大da概gai就jiu能neng知zhi道dao，壽shou險xian保bao障zhang至zhi終zhong身shen，也ye就jiu是shi說shuo

，隻zhi要yao合he同tong訂ding立li後hou，被bei保bao人ren無wu論lun何he時shi身shen故gu，保bao險xian人ren都dou應ying該gai支zhi付fu賠pei償chang金jin。終zhong身shen壽shou險xian與yu定ding期qi壽shou險xian最zui大da的de卻que別bie就jiu是shi期qi限xian，定ding期qi是shi一yi定ding時shi間jian段duan
，過guo了le時shi間jian就jiu直zhi接jie作zuo廢fei
，而er終zhong身shen壽shou...

zhongguorenshoushiguoneideyijiazishenbaoxiangongsi，tebieshijinjinianyifuwuhekoubei，yingdelebaoxianshichangguangfandezanyu，namejingguozhemechangshijianmolianderenshou，zanmenguoneixingyedebaoxianlaodage
，tamendechanpinxianzhongyounaxienimendouzhidaoma
，qishizhegewentiwendebijiaoguang
，...

眾zhong所suo周zhou知zhi，中zhong國guo人ren壽shou是shi國guo內nei的de一yi家jia大da型xing的de保bao險xian公gong司si，名ming譽yu和he口kou碑bei都dou是shi得de到dao大da家jia認ren可ke的de

，關guan於yu人ren壽shou保bao險xian的de險xian種zhong基ji本ben上shang市shi麵mian上shang能neng夠gou銷xiao售shou的de產chan品pin，比bi如ru重zhong疾ji險xian
，意yi外wai險xian
，醫yi療liao險xian，人ren壽shou險xian
，財cai產chan險xian，分fen紅hong理li財cai等deng等deng，幾ji乎hu你ni所suo知zhi道dao的de險xian種zhong在zai...

zhongsuozhouzhi，guoneidedaxingbaoxiangongsiyejiunamejijia
，zhongguopingan，zhongguorenshou，taipingyangbaoxiandengdeng，zhejijiagongsidemingqijibenshangmeimaiguotamendechanpin
，yejibenshangtingdaoguotamendechanpinguanggao，shide，meicuo，jintianduobaoyuhuigeidajiaxiangxijieshaotamendangzhongderenshou...

我(wo)國(guo)的(de)保(bao)險(xian)相(xiang)對(dui)於(yu)來(lai)其(qi)他(ta)行(xing)業(ye)來(lai)說(shuo)是(shi)起(qi)步(bu)比(bi)較(jiao)晚(wan)的(de)，當(dang)前(qian)的(de)保(bao)險(xian)市(shi)場(chang)其(qi)實(shi)還(hai)沒(mei)出(chu)現(xian)飽(bao)和(he)狀(zhuang)態(tai)，因(yin)此(ci)新(xin)型(xing)的(de)保(bao)險(xian)公(gong)司(si)越(yue)來(lai)越(yue)多(duo)
，而(er)且(qie)他(ta)們(men)的(de)發(fa)展(zhan)潛(qian)力(li)巨(ju)大(da)，一(yi)些(xie)老(lao)牌(pai)的(de)公(gong)司(si)在(zai)經(jing)曆(li)了(le)過(guo)度(du)階(jie)段(duan)後(hou)
，擁(yong)有(you)了(le)很(hen)大(da)的(de)一(yi)批(pi)忠(zhong)實(shi)客(ke)戶(hu)，並(bing)且(qie)相(xiang)...

duiyuhenduobudongbaoxianxingyedexiaobailaishuo，baoxiangongsidexuanzeshijiqitongkude，bijingzaixianzaidezhegedaxingyelimian，renshoudeshouyishiyoumugongdude，yinciduiyuxiaobaitongxuelaishuo，zhongguorenshouhetaikangrenshoushitamenbijiaodezhongdian，zheliangjiabaoxiangongsinajiagengjiahaone，ke...

zhongguozuidaderenshoubaoxianjituanjiushiyouzhongguorenshoubaoxianyouxiangongsihetaqixiazhongduodezigongsisuozujianerchengde，bingqieyeshiguoneishaoshujijiazichannenggouchaoguowanyidejituan
，zaizhongguodezichanshichangyeshizuidadetouzizhezhiyi

，zhejiagongsideshilixianzaiyirannenggoudedaogejieren...

百bai年nian歸gui老lao是shi不bu少shao人ren的de歸gui宿xiu，在zai此ci之zhi前qian有you一yi些xie朋peng友you就jiu在zai想xiang人ren終zhong有you歸gui老lao的de一yi天tian
，選xuan擇ze一yi份fen壽shou險xian再zai歸gui來lai，給gei自zi己ji的de子zi女nv留liu下xia一yi筆bi不bu菲fei的de財cai富fu，何he樂le而er不bu為wei呢ne
，因yin此ci，決jue定ding了le壽shou險xian那na就jiu少shao不bu了le開kai始shi選xuan擇ze哪na種zhong產chan品pin好hao，多duo保bao魚yu在zai這zhe裏li就jiu可ke以yi為wei大da...

meigerendouhuiyouzijizuihoudeguixiu
，bijingrendeyishengjiuzhemechang
，bushaodejiatingkaishiweizijiderenshengzuochuleguihua
，birushuozhongshenshouxianzhejiushidaduoshurendexuanze，yeyoubufenjiatingduiyuzhongshenshouxianhaibushihenqingchu，najiexialaiduobaoyujiudaidajialaikankanzhongshenshouxianshi...

在1996年(nian)的(de)時(shi)候(hou)中(zhong)國(guo)人(ren)壽(shou)正(zheng)式(shi)成(cheng)立(li)，這(zhe)家(jia)專(zhuan)注(zhu)於(yu)團(tuan)隊(dui)保(bao)險(xian)和(he)學(xue)生(sheng)類(lei)型(xing)的(de)學(xue)平(ping)險(xian)的(de)國(guo)壽(shou)在(zai)保(bao)險(xian)市(shi)場(chang)上(shang)，每(mei)一(yi)項(xiang)成(cheng)績(ji)都(dou)十(shi)分(fen)引(yin)人(ren)注(zhu)目(mu)，比(bi)如(ru)說(shuo)康(kang)寧(ning)終(zhong)身(shen)
，這(zhe)款(kuan)保(bao)險(xian)當(dang)初(chu)橫(heng)掃(sao)保(bao)險(xian)市(shi)場(chang)了(le)無(wu)對(dui)手(shou)，然(ran)而(er)現(xian)在(zai)的(de)保(bao)險(xian)市(shi)場(chang)競(jing)爭(zheng)不(bu)斷(duan)升(sheng)級(ji)，...

zaibaoxiandezhegedashichanglimian
，shouxianmaosichengweiyigehuoredebaoxianchanpin，bushaodepengyoukaishiqulejieshouxian，dabufenrenzhidaoshouxianfenweidingqihezhongshen，buzhidaodeshizheliangzhezhijianjutiyoushenmequbie，baohandefanweiyijipeichangdejineshiyizhidema

，jiexialaiduobaoyujiu...

當dang前qian社she會hui的de經jing濟ji崛jue起qi帶dai來lai了le保bao險xian行xing業ye的de飛fei速su發fa展zhan，在zai保bao險xian行xing業ye比bi較jiao出chu名ming的de可ke能neng就jiu這zhe四si大da保bao險xian公gong司si，他ta們men分fen別bie是shi人ren保bao
，人ren壽shou，中zhong信xin保bao，以yi及ji太tai平ping保bao險xian
，其qi中zhong人ren壽shou是shi大da家jia討tao論lun的de比bi較jiao多duo的de保bao險xian公gong司si，有you的de家jia庭ting在zai人ren壽shou已yi經jing得de到dao相xiang關guan的de服fu務wu...

wulunzaifanhuadedadoushihaishibianyuanxiaoxiangcun，wulunshiguojiazhongdazhongdianxiangmuhaishiminshengbaozhangfuwuxiangmu，dounengkandaorenbaocaixiandeshenying，gengzhongyaodeshi，zuoweiyigerenlei，bijingtaobuguoshenglaobingsi，namebaoxiankenengjiushibibeidexuanxiang，ruguoxiangxuanzezhongguorenshoudehua
，...

duiyushouxian，womenzhidaoshigeijiatingzhongdejingjizhizhugoumai，yishikeyizaijingjizhizhushenguhougeijiatingyibifenghoudeshenghuofei，ershikeyizaituixiuhoudedaoyibituixiujin。genjuyonghudedingweihexuqiuyijibaozhangjiezhishijian


，shouxiankefenweiliangzhongleixing：定期壽險和終身壽險...

　　對於壽險，隨著年齡的增長
，死亡的幾率逐漸增加。從實際統計來看
，特別是55歲以上的人正在迅速增加。保險公司必須理賠的機會也在增加，反應在保單成本的精算上，我們通常說這是一個危險的保費增加。那麼 　　...