国内外保险产品比较,有什么差异?

2025-02-07 18:54:15
推荐回答(1个)
回答1:

能比较的内容就合同而言大同小异 费用取决于公司的运营水平 产品费用包括净保额以及公司的营运成本 而净保费的厘定是精算师通过生命表计算出来的(这是属于技术性的,各公司所使用的生命表未必一致)至于现金价值就是所交保费扣除净保额及营运成本后剩余的部分 这会体现在各公司的产品计划书上 如果要比较国外终身寿险合同和国内的寿险合同 只需比较计划书即可 真实拿到手里的保险合同会有很多复杂的条款 如果你想了解的是终身寿险 其实非常简单 保生或者保死 或者生死全保 这种合同除了除外条款(即不在保险合同保障范围内的风险)之外 各公司几无差别 举例来说就像你去市场买电脑 只是配置的差别罢了 除非你是保险专业的学生 否则深究这一点没有意义 因为要用到很多精算学的内容 如果你是法律专业的学生 保险合同在合同法和保险法的约束范围 如果是纠结买国内还是国外的保险 关键是适合您的 保险是保障 是远期财务安排 不是投资类财务安排 如果选择 建议选国内的保险 出问题比较好解决 如需相关的国外寿险资料 可以访问法国安盛保险的官网 或者AIG保险的官网 工银安盛人寿 理财顾问 许多 希望能帮到您

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