揭开“平安智胜人生终身寿险(万能型)保险”的隐藏面纱.doc

揭开“平安智胜人生终身寿险(万能型)保险”的隐藏面纱最近好多朋友反映“平安智胜人生终身寿险(万能型)保险”连续存10年6000元/年不能保障终身，属于隐性合同欺诈，今日心血来潮特意拿出来算一算，比较一下具体内容。下面是银行存款和平安智胜人生终身寿险(万能型)保险的收益情况比较。先看看银行存款的收益情况，假设某人每年存款6000元，连续存入10年，而后继续存在银行19年。那么其本金和利息如下：一、一种情况是定期储蓄一年一存：第29年时能拿到本息共计124,230.23元。连续存款本金及利息表(利息按一年整存计算)年数年初结存当年存入本金本年度总金额本年存款利率(按定期一年计利)本年利息利息结存本年末总金额10.00 6,000.00 6,000.00 0.0300 180.00 180.00 6,180.00 26,180.00 6,000.00 12,180.00 0.0300 365.40 545.40 12,545.40 312,545.40 6,000.00 18,545.40 0.0300 556.36 1,101.76 19,101.76 419,101.76 6,000.00 25,101.76 0.0300 753.05 1,854.81 25,854.81 525,854.81 6,000.00 31,854.81 0.0300 955.64 2,810.46 32,810.45 632,810.45 6,000.00 38,810.45 0.0300 1,164.31 3,974.77 39,974.76 739,974.76 6,000.00 45,974.76 0.0300 1,379.24 5,354.02 47,354.00 847,354.00 6,000.00 53,354.00 0.0300 1,600.62 6,954.64 54,954.62 954,954.62 6,000.00 60,954.62 0.0300 1,828.64 8,783.27 62,783.26 1062,783.26 6,000.00 68,783.26 0.0300 2,063.50 10,846.77 70,846.76 1170,846.76 70,846.76 0.0300 2,125.40 12,972.17 72,972.16 1272,972.16 72,972.16 0.0300 2,189.16 15,161.34 75,161.32 1375,161.32 75,161.32 0.0300 2,254.84 17,416.18 77,416.16 1477,416.16 77,416.16 0.0300 2,322.48 19,738.66 79,738.64 1579,738.64 79,738.64 0.0300 2,392.16 22,130.82 82,130.80 1682,130.80 82,130.80 0.0300 2,463.92 24,594.75 84,594.72 1784,594.72 84,594.72 0.0300 2,537.84 27,132.59 87,132.56 1887,132.56 87,132.56 0.0300 2,613.98 29,746.57 89,746.54 1989,746.54 89,746.54 0.0300 2,692.40 32,438.96 92,438.94 2092,438.94 92,438.94 0.0300 2,773.17 35,212.13 95,212.11 2195,212.11 95,212.11 0.0300 2,856.36 38,068.49 98,068.47 2298,068.47 98,068.47 0.0300 2,942.05 41,010.55 101,010.52 23101,010.52 101,010.52 0.0300 3,030.32 44,040.86 104,040.84 24104,040.84 104,040.84 0.0300 3,121.23 47,162.09 107,162.07 25107,162.07 107,162.07 0.0300 3,214.86 50,376.95 110,376.93 26110,376.93 110,376.93 0.0300 3,311.31 53,688.26 113,688.24 27113,688.24 113,688.24 0.0300 3,410.65 57,098.91 117,098.89 28117,098.89 117,098.89 0.0300 3,512.97 60,611.87 120,611.86 29120,611.86 120,611.86 0.0300 3,618.36 64,230.23 124,230.22 29年存入本金60,000.00 29年利息总额64,230.23 29年本息总额124,230.23 二、另一种情况是定期储蓄五年(第26年以后混加三年、二年、一年)一存：第29年时能拿到本息共计162,954.40元。连续存款本金及利息表(利息5年4.75% 3年4.25% 2年3.75% 1年3.25% 共满28年，29年头)年数第1年存入第2年存入第3年存入第4年存入第5年存入第6年存入第7年存入第8年存入第9年存入第10年存入年末结存当年存入本金16000.00 6000.00 6000.00 26000.00 6000.00 6000.00 36000.00 6000.00 6000.00 46000.00 6000.00 6000.00 56000.00 6000.00 6000.00 67425.00 6000.00 13425.00 6000.00 77425.00 6000.00 13425.00 6000.00 87425.00 6000.00 13425.00 6000.00 97425.00 6000.00 13425.00 6000.00 107425.00 6000.00 13425.00 6000.00 119188.44 7425.00 16613.44 129188.44 7425.00 16613.44 139188.44 7425.00 16613.44 149188.44 7425.00 16613.44 159188.44 7425.00 16613.44 1611370.69 9188.44 20559.13 1711370.69 9188.44 20559.13 1811370.69 9188.44 20559.13 1911370.69 9188.44 20559.13 2011370.69 9188.44 20559.13 2114071.23 11370.69 25441.92 2214071.23 11370.69 25441.92 2314071.23 11370.69 25441.92 2414071.23 11370.69 25441.92 2514071.23 11370.69 25441.92 2617413.15 14071.23 31484.38 2717413.15 14071.23 31484.38 2817413.15 15865.31 14071.23 12820.45 60170.15 2919633.32 18719.13 17979.08 17413.15 16380.94 15865.31 15126.57 14528.55 14071.23 13237.12 162954.40 60000.00 接下来再看一下平安智胜人生终身寿险(万能型)保险的收益情况，该保险人寿金为12万元，重疾金为10万元，意外金为6万元，医疗金为1万元，。平安智胜人生终身寿险(万能型)男性 起保年龄41人生：120000重疾：100000意外：60000医疗：10000被保险人为一类年数交费人年龄期(年)交保险费累计交保险费初始费用持续资费奖励个人帐户当年实际年存入金额个人帐户剩余存入金额总和智胜人生12万保障成本智胜重疾10万保障成本无忧意外6万保障成本无忧医疗A1万保障成本年保障成本总和个人帐户当年扣除保障成本后的剩余金额个人帐户当年扣除保障成本后的剩余金额总和保单利率保单利息年末个人帐户剩余金额保障基数/千元保障成本/年保障基数/千元保障成本/年保障基数/万元保障成本/年保障基数/千元保障成本/年141600060003000300030002.25 270.00 3.60 360.00 12.00 72.00 20.00 200.00 902.00 2098.00 2098.00 0.0385 80.77 2178.77 2426000120001500450075002.47 296.40 3.97 397.00 12.00 72.00 5.00 50.00 815.40 3684.60 5863.37 0.0385 225.74 6089.11 3436000180009005100126002.71 325.20 4.40 440.00 12.00 72.00 5.00 50.00 887.20 4212.80 10301.91 0.0385 396.62 10698.54 4446000240006005400180002.98 357.60 4.88 488.00 12.00 72.00 5.00 50.00 967.60 4432.40 15130.94 0.0385 582.54 15713.48 5456000300006003005700237003.28 393.60 5.42 542.00 12.00 72.00 5.00 50.00 1057.60 4642.40 20355.88 0.0385 783.70 21139.58 6466000360003005700294003.60 432.00 6.03 603.00 12.00 72.00 5.00 50.00 1157.00 4543.00 25682.58 0.0385 988.78 26671.36 7476000420003005700351003.96 475.20 6.69 669.00 12.00 72.00 5.00 50.00 1266.20 4433.80 31105.16 0.0385 1197.55 32302.71 8486000480003005700408004.35 522.00 7.50 750.00 12.00 72.00 5.00 50.00 1394.00 4306.00 36608.71 0.0385 1409.44 38018.14 9496000540003005700465004.78 573.60 8.32 832.00 12.00 72.00 5.00 50.00 1527.60 4172.40 42190.54 0.0385 1624.34 43814.88 10506000600003006006300528005.26 631.20 9.31 931.00 12.00 72.00 5.00 50.00 1684.20 4615.80 48430.68 0.0385 1864.58 50295.26 115150295.26 5.78 693.60 10.26 1026.00 12.00 72.00 5.00 50.00 1841.60 48453.66 48453.66 0.0385 1865.47 50319.12 125250319.12 6.36 763.20 11.39 1139.00 12.00 72.00 5.00 50.00 2024.20 48294.92 48294.92 0.0385 1859.35 50154.28 135350154.28 7.69 922.80 12.45 1245.00 12.00 72.00 5.00 50.00 2289.80 47864.48 47864.48 0.0385 1842.78 49707.26 145449707.26 8.45 1014.00 13.81 1381.00 12.00 72.00 5.00 50.00 2517.00 47190.26 47190.26 0.0385 1816.83 49007.09 155549007.09 9.29 1114.80 15.10 1510.00 12.00 72.00 5.00 50.00 2746.80 46260.29 46260.29 0.0385 1781.02 48041.31 165648041.31 10.21 1225.20 16.65 1665.00 12.00 72.00 5.00 50.00 3012.20 45029.11 45029.11 0.0385 1733.62 46762.73 175746762.73 11.22 1346.40 18.06 1806.00 12.00 72.00 5.00 50.00 3274.40 43488.33 43488.33 0.0385 1674.30 45162.63 185845162.63 12.33 1479.60 19.80 1980.00 12.00 72.00 5.00 50.00 3581.60 41581.03 41581.03 0.0385 1600.87 43181.90 195943181.90 13.55 1626.00 21.99 2199.00 12.00 72.00 5.00 50.00 3947.00 39234.90 39234.90 0.0385 1510.54 40745.44 206040745.44 14.89 1786.80 24.37 2437.00 12.00 72.00 5.00 50.00 4345.80 36399.64 36399.64 0.0385 1401.39 37801.03 216137801.03 16.36 1963.20 26.65 2665.00 12.00 72.00 5.00 50.00 4750.20 33050.83 33050.83 0.0385 1272.46 34323.29 226234323.29 17.97 2156.40 28.19 2819.00 12.00 72.00 5.00 50.00 5097.40 29225.89 29225.89 0.0385 1125.20 30351.08 236330351.08 19.74 2368.80 29.40 2940.00 12.00 72.00 5.00 50.00 5430.80 24920.28 24920.28 0.0385 959.43 25879.71 246425879.71 21.68 2601.60 31.02 3102.00 12.00 72.00 5.00 50.00 5825.60 20054.11 20054.11 0.0385 772.08 20826.20 256520826.20 23.80 2856.00 32.16 3216.00 12.00 72.00 5.00 50.00 6194.00 14632.20 14632.20 0.0385 563.34 15195.54 266615195.54 26.13 3135.60 33.77 3377.00 12.00 72.00 5.00 50.00 6634.60 8560.94 8560.94 0.0385 329.60 8890.53 27678890.53 28.67 3440.40 35.35 3535.00 12.00 72.00 5.00 50.00 7097.40 1793.13 1793.13 0.0385 69.04 1862.17 28681862.17 31.46 3775.20 37.36 3736.00 12.00 72.00 5.00 50.00 7633.20 -5771.03 -5771.03 0.0385 -222.18 -5993.22 2969-5993.22 34.50 4140.00 39.93 3993.00 12.00 72.00 5.00 50.00 8255.00 -14248.22 -14248.22 0.0385 -548.56 -14796.77 3070-14796.77 37.83 45