宣告利率4%的躉繳美金儲蓄險: 中國人壽美鑫(APEUPL)美元利率變動型終身壽險IRR分析

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看完建議書,看高保折扣

儲蓄保險王 保額 (美金) 折扣 台幣保費
中國人壽
美鑫
1.5萬~6.5萬 0.3% 47萬
6.5萬~15萬 0.5% 202萬
>15萬 0.6% 465萬

每萬保額保費: 9680

只要台幣47萬就能取得0.3%折扣

 

今年1月是各大壽險公司

宣告利率大亂鬥的一個月

美鑫外幣利率變動型終身壽險

就是中國人壽於1月推出的新保單

直接打出4%宣告利率

而舊產品美晶利率變動型終身壽險

一月維持宣告利率3.87%不變

新光則直接提高舊商品美旺福的宣告利率

連舊保戶都一起照顧到,更顯誠意

 

但我們都知道,

宣告利率 =/= 實質利率IRR

美鑫的4%宣告利率

會不會中看不中用?

讓我們繼續看下去

 

星展星禧數位銀行美金2%活存為比較對象

3/31以前完成四大任務

即可獲得1000元,

優惠不錯,敬請把握機會

點此申請星禧數位帳戶(美金2%高利活存)

點此線上辦卡

 

0.6%折扣(15萬美金~465萬台幣):

FB:  儲蓄保險王 Line: @wvr5039s  儲蓄保險王 @wvr5039s 儲蓄保險王
宣告 表定保費 150905 折扣 解約金
增加率
2.00% 相對利差
美鑫勝出
4% 實繳保費 150000 0.6% 定存
解約金 IRR 總報酬率 總報酬率
1 120862 -19.43% -19.43%   2.00%  
2 151948 0.6474% 1.30%   4.04%  
3 159990 2.1726% 6.66% 5.29% 6.12%  
4 167448 2.7892% 11.63% 4.66% 8.24% 41.11%
5 174233 3.0405% 16.16% 4.05% 10.41% 55.22%
6 182915 3.3618% 21.94% 4.98% 12.62% 73.93%
7 190309 3.4587% 26.87% 4.04% 14.87% 80.74%
8 198000 3.5314% 32.00% 4.04% 17.17% 86.42%
9 205998 3.5877% 37.33% 4.04% 19.51% 91.36%
10 214333 3.6334% 42.89% 4.05% 21.90% 95.85%
11 222979 3.6698% 48.65% 4.03% 24.34% 99.91%
12 231987 3.7006% 54.66% 4.04% 26.82% 103.77%
13 241349 3.7263% 60.90% 4.04% 29.36% 107.42%
14 251101 3.7487% 67.40% 4.04% 31.95% 110.97%
15 261255 3.7684% 74.17% 4.04% 34.59% 114.45%
16 271807 3.7853% 81.21% 4.04% 37.28% 117.83%
17 282771 3.7999% 88.51% 4.03% 40.02% 121.15%
18 294205 3.8134% 96.14% 4.04% 42.82% 124.49%
19 306084 3.8252% 104.06% 4.04% 45.68% 127.79%
20 318444 3.8358% 112.30% 4.04% 48.59% 131.09%

承襲舊產品美晶利率變動型終身壽險的特色

美鑫也是短短兩年就保本,IRR=0.65%

三年IRR 2.17%跟美金定存相當

五年IRR 3.04%,相對利差勝出定存55%

只多一年而已,六年IRR就跳升到3.36%,

解約金增加率4.98%

相對利差勝出定存74%

七年以後,解約金增加率4%

十年總報酬率43%,相對利差96%

也就是利息快定存的2倍

19年總報酬率104%,資產翻倍

看來宣告利率4%不是紙老虎

 

不同高保額折扣IRR統整在前:

FB: 儲蓄保險王   賴: @wvr5039s 儲蓄保險王
折扣: 0.6% 0.5% 0.3% 0.0%
>15萬 6.5~15萬 1.5~6.5萬 <1.5萬
465萬台幣 202萬台幣 47萬台幣  
1 -19.43% -19.51% -19.67% -19.91%
2 0.6474% 0.5968% 0.4958% 0.3450%
3 2.1726% 2.1383% 2.0700% 1.9678%
4 2.7892% 2.7634% 2.7118% 2.6347%
5 3.0405% 3.0198% 2.9784% 2.9166%
6 3.3618% 3.3444% 3.3099% 3.2581%
7 3.4587% 3.4438% 3.4142% 3.3698%
8 3.5314% 3.5183% 3.4924% 3.4535%
9 3.5877% 3.5761% 3.5530% 3.5184%
10 3.6334% 3.6230% 3.6022% 3.5711%
11 3.6698% 3.6603% 3.6414% 3.6131%
12 3.7006% 3.6919% 3.6745% 3.6486%
13 3.7263% 3.7183% 3.7023% 3.6783%
14 3.7487% 3.7413% 3.7264% 3.7041%
15 3.7684% 3.7614% 3.7475% 3.7267%
16 3.7853% 3.7787% 3.7657% 3.7462%
17 3.7999% 3.7937% 3.7815% 3.7631%
18 3.8134% 3.8076% 3.7960% 3.7787%
19 3.8252% 3.8197% 3.8087% 3.7923%
20 3.8358% 3.8306% 3.8202% 3.8046%

 

0.5%折扣 (6.5萬美金~202萬台幣):

FB: 儲蓄保險王 Line: @wvr5039s 儲蓄保險王 @wvr5039s 儲蓄保險王
宣告 表定保費 150905 折扣 解約金
增加率
2.00% 相對利差
美鑫勝出
4% 實繳保費 150150 0.5% 定存
解約金 IRR 總報酬率 總報酬率
1 120862 -19.51% -19.51%   2.00%  
2 151948 0.5968% 1.20%   4.04%  
3 159990 2.1383% 6.55% 5.29% 6.12%  
4 167448 2.7634% 11.52% 4.66% 8.24% 39.75%
5 174233 3.0198% 16.04% 4.05% 10.41% 54.10%
6 182915 3.3444% 21.82% 4.98% 12.62% 72.96%
7 190309 3.4438% 26.75% 4.04% 14.87% 79.88%
8 198000 3.5183% 31.87% 4.04% 17.17% 85.65%
9 205998 3.5761% 37.19% 4.04% 19.51% 90.65%
10 214333 3.6230% 42.75% 4.05% 21.90% 95.19%
11 222979 3.6603% 48.50% 4.03% 24.34% 99.30%
12 231987 3.6919% 54.50% 4.04% 26.82% 103.19%
13 241349 3.7183% 60.74% 4.04% 29.36% 106.87%
14 251101 3.7413% 67.23% 4.04% 31.95% 110.45%
15 261255 3.7614% 74.00% 4.04% 34.59% 113.94%
16 271807 3.7787% 81.02% 4.04% 37.28% 117.34%
17 282771 3.7937% 88.33% 4.03% 40.02% 120.68%
18 294205 3.8076% 95.94% 4.04% 42.82% 124.03%
19 306084 3.8197% 103.85% 4.04% 45.68% 127.34%
20 318444 3.8306% 112.08% 4.04% 48.59% 130.65%

 

0.3%折扣(1.5萬美金~47萬台幣):

FB: 儲蓄保險王 Line: @wvr5039s 儲蓄保險王 @wvr5039s 儲蓄保險王
宣告 表定保費 150905 折扣 解約金
增加率
2.00% 相對利差
美鑫勝出
4% 實繳保費 150452 0.3% 定存
解約金 IRR 總報酬率 總報酬率
1 120862 -19.67% -19.67%   2.00%  
2 151948 0.4958% 0.99%   4.04%  
3 159990 2.0700% 6.34% 5.29% 6.12%  
4 167448 2.7118% 11.30% 4.66% 8.24% 37.04%
5 174233 2.9784% 15.81% 4.05% 10.41% 51.86%
6 182915 3.3099% 21.58% 4.98% 12.62% 71.02%
7 190309 3.4142% 26.49% 4.04% 14.87% 78.17%
8 198000 3.4924% 31.60% 4.04% 17.17% 84.10%
9 205998 3.5530% 36.92% 4.04% 19.51% 89.24%
10 214333 3.6022% 42.46% 4.05% 21.90% 93.88%
11 222979 3.6414% 48.21% 4.03% 24.34% 98.07%
12 231987 3.6745% 54.19% 4.04% 26.82% 102.03%
13 241349 3.7023% 60.42% 4.04% 29.36% 105.77%
14 251101 3.7264% 66.90% 4.04% 31.95% 109.40%
15 261255 3.7475% 73.65% 4.04% 34.59% 112.93%
16 271807 3.7657% 80.66% 4.04% 37.28% 116.37%
17 282771 3.7815% 87.95% 4.03% 40.02% 119.74%
18 294205 3.7960% 95.55% 4.04% 42.82% 123.11%
19 306084 3.8087% 103.44% 4.04% 45.68% 126.44%
20 318444 3.8202% 111.66% 4.04% 48.59% 129.77%

 

0%折扣: 

FB: 儲蓄保險王 Line: @wvr5039s 儲蓄保險王 @wvr5039s 儲蓄保險王
宣告 表定保費 150905 折扣 解約金
增加率
2.00% 相對利差
美鑫勝出
4% 實繳保費 150905 0.0% 定存
解約金 IRR 總報酬率 總報酬率
1 120862 -19.91% -19.91%   2.00%  
2 151948 0.3450% 0.69%   4.04%  
3 159990 1.9678% 6.02% 5.29% 6.12%  
4 167448 2.6347% 10.96% 4.66% 8.24% 32.99%
5 174233 2.9166% 15.46% 4.05% 10.41% 48.53%
6 182915 3.2581% 21.21% 4.98% 12.62% 68.13%
7 190309 3.3698% 26.11% 4.04% 14.87% 75.62%
8 198000 3.4535% 31.21% 4.04% 17.17% 81.80%
9 205998 3.5184% 36.51% 4.04% 19.51% 87.13%
10 214333 3.5711% 42.03% 4.05% 21.90% 91.93%
11 222979 3.6131% 47.76% 4.03% 24.34% 96.25%
12 231987 3.6486% 53.73% 4.04% 26.82% 100.31%
13 241349 3.6783% 59.93% 4.04% 29.36% 104.13%
14 251101 3.7041% 66.40% 4.04% 31.95% 107.83%
15 261255 3.7267% 73.13% 4.04% 34.59% 111.43%
16 271807 3.7462% 80.12% 4.04% 37.28% 114.92%
17 282771 3.7631% 87.38% 4.03% 40.02% 118.33%
18 294205 3.7787% 94.96% 4.04% 42.82% 121.74%
19 306084 3.7923% 102.83% 4.04% 45.68% 125.11%
20 318444 3.8046% 111.02% 4.04% 48.59% 128.47%

 

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