台灣人壽吉順利利率變動型終身壽險(TSL5,180718密碼解密)

by 儲蓄保險王 · 2017-02-28

本篇原為密碼題(2.1627)

因月底就要停售，

於180718將之解密

截至180718為止，

共有268人解開密碼

這268人算出來的IRR

到小數點下4位

都跟版主算的一模一樣

0.0001都沒差異

還在懷疑版主不會算IRR的白癡

先懷疑你自己的智商吧！

高保費折扣如下:

100~200萬: 0.2%

200~300萬: 0.3%

300~500萬: 0.5%

400~500萬: 0.6%

>500萬: 0.7%

FB粉絲團: https://www.facebook.com/hammer0925
原始保費	5016960	台壽吉順利	(TSL5)
實繳保費	4981841	保費折扣	0.7%
年	解約金	解約金/ 實繳保費	IRR
1	4446900	89.26%	-10.74%
2	4687483	94.09%	-3.00%
3	5032978	101.03%	0.3410%
4	5262613	105.64%	1.3801%
5	5473093	109.86%	1.8987%
6	5664255	113.70%	2.1627%
7	5886498	118.16%	2.4124%
8	6063345	121.71%	2.4862%
9	6245555	125.37%	2.5437%
10	6433134	129.13%	2.5896%
11	6626477	133.01%	2.6273%
12	6825424	137.01%	2.6585%
13	7030465	141.12%	2.6851%
14	7241668	145.36%	2.7078%
15	7459317	149.73%	2.7276%
16	7683419	154.23%	2.7449%
17	7914195	158.86%	2.7601%
18	8151917	163.63%	2.7736%
19	8396962	168.55%	2.7858%
20	8649211	173.61%	2.7967%

FB粉絲團: https://www.facebook.com/hammer0925
原始保費	5016960	台壽吉順利	(TSL5)
實繳保費	4986858	保費折扣	0.6%
年	解約金	解約金/ 實繳保費	IRR
1	4446900	89.17%	-10.83%
2	4687483	94.00%	-3.05%
3	5032978	100.92%	0.3073%
4	5262613	105.53%	1.3546%
5	5473093	109.75%	1.8782%
6	5664255	113.58%	2.1455%
7	5886498	118.04%	2.3977%
8	6063345	121.59%	2.4733%
9	6245555	125.24%	2.5322%
10	6433134	129.00%	2.5793%
11	6626477	132.88%	2.6179%
12	6825424	136.87%	2.6499%
13	7030465	140.98%	2.6771%
14	7241668	145.22%	2.7004%
15	7459317	149.58%	2.7207%
16	7683419	154.07%	2.7384%
17	7914195	158.70%	2.7540%
18	8151917	163.47%	2.7679%
19	8396962	168.38%	2.7804%
20	8649211	173.44%	2.7916%

FB粉絲團: https://www.facebook.com/hammer0925
原始保費	5016960	台壽吉順利	(TSL5)
實繳保費	4991875	保費折扣	0.5%
年	解約金	解約金/ 實繳保費	IRR
1	4446900	89.08%	-10.92%
2	4687483	93.90%	-3.10%
3	5032978	100.82%	0.2737%
4	5262613	105.42%	1.3292%
5	5473093	109.64%	1.8577%
6	5664255	113.47%	2.1284%
7	5886498	117.92%	2.3829%
8	6063345	121.46%	2.4604%
9	6245555	125.11%	2.5208%
10	6433134	128.87%	2.5689%
11	6626477	132.75%	2.6085%
12	6825424	136.73%	2.6413%
13	7030465	140.84%	2.6692%
14	7241668	145.07%	2.6931%
15	7459317	149.43%	2.7139%
16	7683419	153.92%	2.7320%
17	7914195	158.54%	2.7479%
18	8151917	163.30%	2.7621%
19	8396962	168.21%	2.7750%
20	8649211	173.27%	2.7864%

FB粉絲團: https://www.facebook.com/hammer0925
原始保費	5016960	台壽吉順利	(TSL5)
實繳保費	5001909	保費折扣	0.3%
年	解約金	解約金/ 實繳保費	IRR
1	4446900	88.90%	-11.10%
2	4687483	93.71%	-3.19%
3	5032978	100.62%	0.2066%
4	5262613	105.21%	1.2783%
5	5473093	109.42%	1.8168%
6	5664255	113.24%	2.0942%
7	5886498	117.69%	2.3536%
8	6063345	121.22%	2.4347%
9	6245555	124.86%	2.4979%
10	6433134	128.61%	2.5484%
11	6626477	132.48%	2.5898%
12	6825424	136.46%	2.6241%
13	7030465	140.56%	2.6533%
14	7241668	144.78%	2.6783%
15	7459317	149.13%	2.7001%
16	7683419	153.61%	2.7191%
17	7914195	158.22%	2.7358%
18	8151917	162.98%	2.7507%
19	8396962	167.88%	2.7641%
20	8649211	172.92%	2.7761%

FB粉絲團: https://www.facebook.com/hammer0925
原始保費	5016960	台壽吉順利	(TSL5)
實繳保費	5006926	保費折扣	0.2%
年	解約金	解約金/ 實繳保費	IRR
1	4446900	88.81%	-11.19%
2	4687483	93.62%	-3.24%
3	5032978	100.52%	0.1731%
4	5262613	105.11%	1.2529%
5	5473093	109.31%	1.7964%
6	5664255	113.13%	2.0772%
7	5886498	117.57%	2.3389%
8	6063345	121.10%	2.4219%
9	6245555	124.74%	2.4865%
10	6433134	128.48%	2.5381%
11	6626477	132.35%	2.5805%
12	6825424	136.32%	2.6156%
13	7030465	140.41%	2.6454%
14	7241668	144.63%	2.6710%
15	7459317	148.98%	2.6932%
16	7683419	153.46%	2.7127%
17	7914195	158.06%	2.7297%
18	8151917	162.81%	2.7449%
19	8396962	167.71%	2.7587%
20	8649211	172.74%	2.7709%

FB粉絲團: https://www.facebook.com/hammer0925
原始保費	5016960	台壽吉順利	(TSL5)
實繳保費	5016960	保費折扣	0.0%
年	解約金	解約金/ 實繳保費	IRR
1	4446900	88.64%	-11.36%
2	4687483	93.43%	-3.34%
3	5032978	100.32%	0.1063%
4	5262613	104.90%	1.2023%
5	5473093	109.09%	1.7556%
6	5664255	112.90%	2.0431%
7	5886498	117.33%	2.3097%
8	6063345	120.86%	2.3962%
9	6245555	124.49%	2.4637%
10	6433134	128.23%	2.5175%
11	6626477	132.08%	2.5618%
12	6825424	136.05%	2.5984%
13	7030465	140.13%	2.6296%
14	7241668	144.34%	2.6563%
15	7459317	148.68%	2.6795%
16	7683419	153.15%	2.6998%
17	7914195	157.75%	2.7176%
18	8151917	162.49%	2.7335%
19	8396962	167.37%	2.7478%
20	8649211	172.40%	2.7606%