• 試算結果
  • 保險資訊
  • 進一步了解
  • 完成

元大人壽 KM 美鑫達美元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

保障年年遞增,保障財富兼顧;保額增加權利,適時增加人生各階段所需保障;彈性給付規劃,可一次領或分期領;最高投保金額根據保費與投保年期變動

被保險人資料

性別

年齡(0~74歲)

保額(0.60~53.38萬)

商品年期

領回時間

重新計算
宣告利率

3.12%

保額折扣

3.0000%

繳費方式(折扣)

自動轉賬1%

試算結果
  • 年繳保費:

    $ 11,638

  • 首年保費:

    $ 11,638

  • 續年保費:

    $ 11,638

  • 總繳金額:

    $ 69,828

  • 領回金額:

    $ 94,020

IRR

2.42%

淨報酬

24,192 /USD

簡易試算表
年度 總繳保費 解約金 IRR
1 11,638 5,547 -52.32%
2 23,276 15,698 -23.54%
3 34,914 27,379 -11.66%
4 46,552 40,210 -5.76%
5 58,190 54,964 -1.88%
6 69,828 71,349 0.63%
7 69,828 74,216 1.37%
8 69,828 76,460 1.67%
9 69,828 78,764 1.88%
10 69,828 81,133 2.03%
11 69,828 83,563 2.14%
12 69,828 86,078 2.23%
13 69,828 88,653 2.31%
14 69,828 91,299 2.37%
15 69,828 94,020 2.42%
16 69,828 96,811 2.46%
17 69,828 99,667 2.49%
18 69,828 102,609 2.52%
19 69,828 105,631 2.55%
20 69,828 108,733 2.57%
21 69,828 111,916 2.59%
22 69,828 115,189 2.61%
23 69,828 118,557 2.63%
24 69,828 122,016 2.64%
25 69,828 125,580 2.65%
26 69,828 129,245 2.67%
27 69,828 133,020 2.68%
28 69,828 136,905 2.69%
29 69,828 140,896 2.7%
30 69,828 145,003 2.7%
31 69,828 149,235 2.71%
32 69,828 153,577 2.72%
33 69,828 158,045 2.73%
34 69,828 162,623 2.73%
35 69,828 167,327 2.74%
36 69,828 172,171 2.74%
37 69,828 177,131 2.75%
38 69,828 182,236 2.75%
39 69,828 187,487 2.75%
40 69,828 192,878 2.76%
41 69,828 198,436 2.76%
42 69,828 204,118 2.77%
43 69,828 209,931 2.77%
44 69,828 215,890 2.77%
45 69,828 221,984 2.77%
46 69,828 228,229 2.77%
47 69,828 234,625 2.77%
48 69,828 241,166 2.77%
49 69,828 247,873 2.77%
50 69,828 254,740 2.77%
51 69,828 261,788 2.77%
52 69,828 268,997 2.77%
53 69,828 276,396 2.77%
54 69,828 283,986 2.77%
55 69,828 291,793 2.77%
56 69,828 299,820 2.77%
57 69,828 308,082 2.77%
58 69,828 316,611 2.77%
59 69,828 325,432 2.77%
60 69,828 334,573 2.78%
61 69,828 344,051 2.78%
62 69,828 354,286 2.78%
63 69,828 365,416 2.79%
64 69,828 376,897 2.79%
65 69,828 388,744 2.8%
66 69,828 400,962 2.8%
67 69,828 413,568 2.81%
68 69,828 426,554 2.81%
69 69,828 439,958 2.82%
70 69,828 453,778 2.82%
71 69,828 468,035 2.83%
72 69,828 482,753 2.83%
73 69,828 497,909 2.84%
74 69,828 513,546 2.84%
75 69,828 529,680 2.85%
76 69,828 546,332 2.85%
77 69,828 563,485 2.86%
78 69,828 581,196 2.86%
79 69,828 599,448 2.86%
80 69,828 618,278 2.87%
81 69,828 632,194 2.86%
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