「寿险」到底是定期的好？还是终身的好？

<section ><section ><br /></section></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsDIbMcYPicEX8vueugpuQhvKuaQe0RrfNZUxlZU3CYBe1veTFvCbdfBtMC14uRRXvFTFMOxtTQ3XQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsDIbMcYPicEX8vueugpuQhvKuaQe0RrfNZUxlZU3CYBe1veTFvCbdfBtMC14uRRXvFTFMOxtTQ3XQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >中国人向来讳谈生死之事，这也是早期保险难以渗透人们生活的原因。</span></section><section ><span ><br /></span></section><section ><span >而其中“受创”最重的无疑是寿险，没有之一。</span></section><section ><span >&nbsp;</span></section><section ><span >时至今日，作为金融三驾马车之一的保险，随着互联网保险信息的披露，早期被无良推销员败坏的风评渐渐回暖</span><span >。</span></section><section ><span ><br /></span></section><section ><span >而</span><strong >作为保险中延续爱与责任的标杆，寿险因为其不可替代的地位</strong><span >，也越来越被人所关注。</span></section><section ><span >&nbsp;</span></section><section ><span >寿险全称<strong>人寿保险</strong>，是人身保险的一种，</span><span >保障责任相比其他保险较为简单。</span></section><section ><span ><br /></span></section><section ><span >它以<strong>被保险人的寿命</strong>为保险标的，且以被保险人的身故为给付条件的人身保险</span><span style="color: rgb(136, 136, 136)">（也有额外保障全残的寿险）</span><span >。</span></section><section ><span ></span></section><section ><span >&nbsp;</span></section><section ><span >根据其保障期限的不同，又分为<strong>定期寿险</strong>和<strong>终身寿险</strong>。</span></section><section ><strong><span ><br /></span></strong></section><section ><strong><span >先看张图：</span></strong></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuvCAhaPToxxeHibR1yPMLyEpLTLoNVCib18hjkjI4YOg7Bib3boz3gwbZ0g8z0MsZdMKFyQ4sgYNUYQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuvCAhaPToxxeHibR1yPMLyEpLTLoNVCib18hjkjI4YOg7Bib3boz3gwbZ0g8z0MsZdMKFyQ4sgYNUYQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >&nbsp;</span><br /></section><section ><span >保爷这里给大家详细解释下表中的几点：</span></section><section ><span >&nbsp;</span></section><section ><strong><span >1、保障期限</span></strong><span ></span></section><section ><span >&nbsp;</span></section><section ><strong><span >定期寿险提供一个确定时期的保障</span></strong><span >，保障期限一般为10年、20年、30年，或者保至60岁、70岁等约定年龄。</span></section><section ><span ><br /></span></section><section ><span ></span><span >通常来说，如果被保险人在约定时限内身故（或全残），保险公司就要向受益人给付寿险保险金。</span></section><section ><span ><br /></span></section><section ><span >但如果被保险人在约定的保障期限后仍然生存，保险公司就不用给付保险金了。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >终身寿险是终身提供保障的保险</span></strong><span >，被保险人因为遭遇意外或者疾病而身故或高度残疾的，都可以直接获得全额寿险保险金。</span></section><section ><span ><br /></span></section><section ><span >根据不同终身寿险规定，也有超出保险金额度的给付，如120%或160%给付。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >2、适用群体</span></strong><span ></span></section><section ><span >&nbsp;</span></section><section ><strong><span >定期寿险</span></strong><span ><strong>适用于收入中下但家庭责任较高（家庭经济来源）的人群</strong>，大多数工薪一族都在此列。</span></section><section ><span ><br /></span></section><section ><span >定期寿险可以让大家在家庭责任最重的一段时期内，获得一份安心的保障，</span><span >如身</span><span >负</span><span >孩子教</span><span >育、房车贷</span><span >款</span><span >等压力</span><span >。</span></section><section ><span ><br /></span></section><section ><span >因此定期寿险购买一大要点自然是性价比越高越好。</span></section><section ><span ><span ><span ></span></span></span></section><section ><span >&nbsp;</span></section><section ><span >对于<strong>终身寿险</strong>而言，打个不恰当的比方就是“至死方休”。</span></section><section ><span ><br /></span></section><section ><span >一般适用于<strong>个人或家庭收入较高或者有遗产规划需求的高净值人群。</strong></span></section><section ><span ><br /></span></section><section ><span >而且不同于定寿，终身寿险买的就是保额和服务，保额越高越好。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)"><strong><span >在域外，终身寿险甚至可以用来避债避税。</span></strong></span></section><section ><span style="color: rgb(136, 136, 136)"><strong><span ><br /></span></strong></span></section><section ><span style="color: rgb(136, 136, 136)"><strong><span ></span></strong></span></section><section ><span style="color: rgb(136, 136, 136)">如2004年，台湾首富蔡万霖去世，按台湾法律，他的子女需要缴纳700多亿新台币的遗产税，最终却只交了5亿。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">原因就是蔡万霖去世前通过寿险等方式，将财富安全合法地转移给了下一代。</span><span style="color: rgb(136, 136, 136)"></span></section><section ><span style="color: rgb(136, 136, 136)"></span></section><section ><span ></span></section><section ><span >&nbsp;</span></section><section ><strong><span >3、保险费率</span></strong><span ></span></section><section ><span >&nbsp;</span></section><section ><strong><span >就所有终身寿险来说，</span></strong><span ><strong>在保障内容相似的前提下，它的费率是一定比定期寿险高出不少的</strong>。</span></section><section ><span ><br /></span></section><section ><span >但原因却不仅仅是大家想的那样</span><span style="color: rgb(136, 136, 136)">（如比定寿保障期限长）</span><span >，事关险种本质，这点保爷后面再说。</span></section><section ><span >&nbsp;</span></section><section ><span >定期寿险费率比终身寿险要低的多，</span><span >对于想维持家庭责任的人来说，可以以小博大</span><span >，有着相当不错的杠杆作用。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span ></span><span >此外，因为定期寿险只保障一段期限，若在保障期限后继续购买，可能会因年龄等情况的变化被拒保或提高费率等。</span></section><section ><span ><br /></span></section><section ><span >所以在购买定寿时，最好覆盖到自己家庭责任最重的那段时期。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >4、险种差异</span></strong><span ></span></section><section ><span >&nbsp;</span></section><section ><span >虽然同属于寿险，但定寿和终身寿险完全可以看作两种类型的保险。</span></section><section ><span ><br /></span></section><section ><span >这也是前面保爷说的终寿比定寿贵不仅仅是保障期限长的缘由。</span></section><section ><span >&nbsp;</span></section><section ><span >定期寿险属于<strong>消费型险种</strong>，保险公司只承担合同规定的一定期限内的保险责任。</span></section><section ><span ><br /></span></section><section ><span >如果被保险人在约定时限内身故（或全残）时，保险公司就要向受益人给付寿险保险金。</span></section><section ><span ><br /></span></section><section ><span >但若没有发生上述情况，在保障期限到期后合同就会终止，保险公司就不用给付保险金了，且保费也不会退还。</span></section><section ><span >&nbsp;</span></section><section ><span >与定期寿险不同，终身寿险实则属于<strong>储蓄型险种</strong>。</span></section><section ><span ><br /></span></section><section ><span >因为这笔保险金是受益人必得的，可以理解为一种财富传承。</span></section><section ><span ><br /></span></section><section ><span >他不会像定寿那样保障期满就没了，从这方面说又有点类似理财险。</span></section><section ><span ><br /></span></section><section ><span ></span><span >比如前面说的，</span><span >台湾</span><span >蔡万霖去世，他的子女需要缴纳700多亿新台币的遗产税，最终却只交了5亿，就是寿险的功劳了。</span></section><section ><span >&nbsp;</span></section><section ><span >上面说了这么多，对于标题的“<strong>寿险到底是定期好还是终身好</strong>”，大家心中有答案了吗？</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >写在最后</span></strong></span><span ></span></section><section ><span >&nbsp;</span></section><section ><span >其实保爷想表达的是，作为两款本质上有差异的保险，是不适合放一起争个高下的。</span></section><section ><span ><br /></span></section><section ><span >摸清自己的需求点才是买保险最优解，定寿有定寿的优点，终寿有终寿的妙处，不能以偏概全、一概而论。</span></section><section ><span >&nbsp;</span></section><section ><span >如果你看完后对寿险之外的其他险种有兴趣，想了解高性价比的保险产品，可以添加保爷微信：</span><strong><span >dongbaoye999</span></strong><span >免费贴心咨询。</span></section><section ><span ><br /></span></section><section ><span >保爷给你推荐最适合你、最高性价比的保险产品，相信保爷一定能给你一些专业的建议，帮你花最少钱买对保险不掉坑！</span><span ></span></section><section ><span ><br /></span></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><p style="text-align: 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