• 試算結果
  • 保險資訊
  • 進一步了解
  • 完成

新光人壽 LZA 美好滿益外幣利率變動型終身壽險

  • 宣告利率
  • 增額型
  • 分期給付
  • 內含豁免
商品特色 商品 DM 商品條款

分期繳美元收付保單,滿足多元化資產配置需求;終身保障,逐年遞增;第二至六級失能可免繳續期保險費

被保險人資料

性別

年齡(0~70歲)

保額(0.10~40.00萬)

商品年期

領回時間

重新計算
宣告利率

2.99%

保額折扣

1.7500%

繳費方式(折扣)

金融機構轉賬1%

試算結果
  • 年繳保費:

    $ 9,849

  • 首年保費:

    $ 9,849

  • 續年保費:

    $ 9,849

  • 總繳金額:

    $ 98,490

  • 領回金額:

    $ 142,114

IRR

2.39%

淨報酬

43,624 /USD

簡易試算表
年度 總繳保費 解約金 IRR
1 9,849 3,313 -66.35%
2 19,698 11,586 -30.56%
3 29,547 20,631 -16.9%
4 39,396 30,465 -10.01%
5 49,245 41,105 -5.95%
6 59,094 52,573 -3.32%
7 68,943 64,887 -1.5%
8 78,792 78,068 -0.19%
9 88,641 92,134 0.79%
10 98,490 107,109 1.53%
11 98,490 110,185 1.74%
12 98,490 113,393 1.89%
13 98,490 116,685 2.01%
14 98,490 120,061 2.1%
15 98,490 123,521 2.18%
16 98,490 127,067 2.24%
17 98,490 130,699 2.29%
18 98,490 134,418 2.33%
19 98,490 138,223 2.36%
20 98,490 142,114 2.39%
21 98,490 146,093 2.42%
22 98,490 150,326 2.45%
23 98,490 154,669 2.47%
24 98,490 159,124 2.49%
25 98,490 163,695 2.51%
26 98,490 168,382 2.53%
27 98,490 173,185 2.54%
28 98,490 178,103 2.56%
29 98,490 183,132 2.57%
30 98,490 188,267 2.58%
31 98,490 193,511 2.59%
32 98,490 199,105 2.6%
33 98,490 204,842 2.61%
34 98,490 210,720 2.62%
35 98,490 216,739 2.63%
36 98,490 222,897 2.63%
37 98,490 229,196 2.64%
38 98,490 235,634 2.64%
39 98,490 242,208 2.65%
40 98,490 248,913 2.65%
41 98,490 255,746 2.66%
42 98,490 263,299 2.66%
43 98,490 271,061 2.67%
44 98,490 279,035 2.68%
45 98,490 287,226 2.69%
46 98,490 295,637 2.69%
47 98,490 304,274 2.7%
48 98,490 313,138 2.7%
49 98,490 322,233 2.71%
50 98,490 331,561 2.71%
51 98,490 341,124 2.72%
52 98,490 350,923 2.72%
53 98,490 360,960 2.72%
54 98,490 371,233 2.73%
55 98,490 381,744 2.73%
56 98,490 392,490 2.73%
57 98,490 403,469 2.73%
58 98,490 414,677 2.73%
59 98,490 426,107 2.73%
60 98,490 437,747 2.73%
61 98,490 449,582 2.73%
62 98,490 463,119 2.74%
63 98,490 477,063 2.74%
64 98,490 491,428 2.75%
65 98,490 506,224 2.75%
66 98,490 521,465 2.76%
67 98,490 537,164 2.76%
68 98,490 553,336 2.77%
69 98,490 569,994 2.77%
70 98,490 587,152 2.77%
71 98,490 604,827 2.78%
72 98,490 623,032 2.78%
73 98,490 641,784 2.78%
74 98,490 661,099 2.79%
75 98,490 680,993 2.79%
76 98,490 701,485 2.79%
77 98,490 722,590 2.8%
78 98,490 744,328 2.8%
79 98,490 766,716 2.8%
80 98,490 789,774 2.81%
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