均衡費率與自然費率之間有什麼不同？

自zi然ran費fei率lv
，抄chao是shi指zhi其qi保bao費fei是shi按an被bei保bao險xian人ren年nian齡ling增zeng長chang而er增zeng長chang，即ji隨sui著zhe被bei保bao險xian人ren年nian齡ling增zeng長chang
，身shen體ti健jian康kang狀zhuang態tai將jiang逐zhu漸jian降jiang低di，而er保bao費fei將jiang逐zhu漸jian增zeng高gao。其qi費fei率lv依yi據ju每mei一yi年nian齡ling段duan及ji期qi間jian的de死si亡wang率lv來lai確que定ding襲xi。 suoweijunhengfeilvyejiaobaozhengbaofeijiushibaoxiangongsibafengxiangusuanhou，bagenianlingduandezhibaofeipinghenghou，meiniangeichuyigebaofeijunzhi，congyigenianlingkaishitoubaohou，yihoumeiniandebaofeidoushiyiyangdedao。baofeigenjubaoxianfeilvlaijinxingjisuan。

自然費率是指，隨著被保險人年齡增長，身體素質不斷下降，保費也隨之水漲船高。 自然費率是根據被保險人所處的年齡
、所麵臨的風險確定保費的，每一年的保費都不一樣。一般而言
，自然費率每年的保費漲幅約為8%到10%。 

junhengfeilvshizhi
，zaitoubaoshi
，baoxiangongsijiangbeibaoxianrenzaimeiyigenianlingduandefengxianjinxingpinggu

，jisuanchujunzhidebaofei。toubaozhihou
，zhixuyaoanzhaojisuanchudejunzhibaofeijiaofeijike。

ziranfeilvyubeibaoxianrendenianlingchengzhengbideguanxi，yejiushishuohuifeilvhuisuizhebeibaoxianrennianlingdezengchangerzengchang
，nianlingyuedabaofeijiuyuegui。ziranfeilvshigenjugegenianlingduanduiyingdehuanbinglv、死si亡wang率lv來lai確que定ding的de
，人ren類lei隨sui著zhe年nian齡ling的de增zeng長chang
，身shen體ti素su質zhi可ke能neng會hui隨sui之zhi下xia降jiang

，出chu險xian的de幾ji率lv較jiao大da。自zi然ran費fei率lv多duo出chu險xian在zai短duan期qi保bao險xian產chan品pin中zhong，一yi般ban一yi年nian期qi產chan品pin大da多duo是shi采cai用yong此ci種zhong費fei率lv。

均(jun)衡(heng)費(fei)率(lv)是(shi)指(zhi)保(bao)險(xian)公(gong)司(si)將(jiang)各(ge)個(ge)年(nian)齡(ling)階(jie)段(duan)的(de)對(dui)應(ying)的(de)自(zi)然(ran)保(bao)費(fei)結(jie)合(he)利(li)息(xi)，平(ping)均(jun)計(ji)算(suan)並(bing)分(fen)配(pei)在(zai)每(mei)個(ge)年(nian)度(du)，所(suo)以(yi)采(cai)用(yong)均(jun)衡(heng)費(fei)率(lv)的(de)產(chan)品(pin)，投(tou)保(bao)後(hou)每(mei)年(nian)需(xu)交(jiao)的(de)保(bao)費(fei)都(dou)是(shi)一(yi)樣(yang)的(de)。均(jun)衡(heng)費(fei)率(lv)多(duo)出(chu)現(xian)在(zai)長(chang)期(qi)保(bao)險(xian)產(chan)品(pin)中(zhong)，例(li)如(ru)提(ti)供(gong)長(chang)期(qi)保(bao)障(zhang)的(de)壽(shou)險(xian)和(he)重(zhong)疾(ji)險(xian)等(deng)產(chan)品(pin)。