揭开“平安智胜人生终身寿险(万能型)保险”的隐藏面纱

揭开“平安智胜人生终身寿险(万能型)保险”的隐藏面纱 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，属于隐性欺诈，今日心血来潮特意拿出来算一算，比较一下 具体。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 1 0.00 6,000.00 6,000.00 0.0300 180.00 180.00 6,180.00 2 6,180.00 6,000.00 12,180.00 0.0300 365.40 545.40 12,545.40 3 12,545.40 6,000.00 18,545.40 0.0300 556.36 1,101.76 19,101.76 4 19,101.76 6,000.00 25,101.76 0.0300 753.05 1,854.81 25,854.81 5 25,854.81 6,000.00 31,854.81 0.0300 955.64 2,810.46 32,810.45 6 32,810.45 6,000.00 38,810.45 0.0300 1,164.31 3,974.77 39,974.76 7 39,974.76 6,000.00 45,974.76 0.0300 1,379.24 5,354.02 47,354.00 8 47,354.00 6,000.00 53,354.00 0.0300 1,600.62 6,954.64 54,954.62 9 54,954.62 6,000.00 60,954.62 0.0300 1,828.64 8,783.27 62,783.26 10 62,783.26 6,000.00 68,783.26 0.0300 2,063.50 10,846.77 70,846.76 11 70,846.76 70,846.76 0.0300 2,125.40 12,972.17 72,972.16 12 72,972.16 72,972.16 0.0300 2,189.16 15,161.34 75,161.32 13 75,161.32 75,161.32 0.0300 2,254.84 17,416.18 77,416.16 14 77,416.16 77,416.16 0.0300 2,322.48 19,738.66 79,738.64 15 79,738.64 79,738.64 0.0300 2,392.16 22,130.82 82,130.80 accident occurs, the direct punishment 500-1000, who is directly responsible for the accident responsibility, give notice of criticism and 50-100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the administrative leadership of the criticism, resulting in serious consequences, the pursuit of leadership, along with 500-1000 punishment. (5) significant near miss should be attempted as the case of responsible for the accident and construction team injuries accident penalty provisions, mutatis mutandis. Eight, should perform in the construction standards and specifications, serial number a 1 GB3323-2005 steel fusion welded butt joints, welding engineering-Ray lighting and quality rating of 2 GB11345-89 steel welds manual methods of ultrasonic inspection and testing results for grade 3 GB50236-2002 industrial pipe welding engineering code for construction and acceptance of field equipment 4 HGJ222-92 technical specification for welding of aluminium and its alloys 5 low temperature steel welding procedure 6 SH3525-2004 petrochemical JB/ T4708-2000 of welding procedure qualification for steel pressure vessels 7 JB/4709-2000 8 JB4730-2005 pressure vessel welding procedures of steel pressure vessel NDT 9 JB/T4744-2000 steel pressure vessel products mechanical properties test of welded plate II, mechanical equipment installation engineering 1 GB150-98 2 GB50128-2005 vertical cylindrical steel pressure vessel steel welding specification for construction and acceptance of oil tank 3 JB/ T4735-1997 steel welded atmospheric pressure vessel 4 GB50231-2009 mechanical equipment installation 16 82,130.80 82,130.80 0.0300 2,463.92 24,594.75 84,594.72 17 84,594.72 84,594.72 0.0300 2,537.84 27,132.59 87,132.56 18 87,132.56 87,132.56 0.0300 2,613.98 29,746.57 89,746.54 19 89,746.54 89,746.54 0.0300 2,692.40 32,438.96 92,438.94 20 92,438.94 92,438.94 0.0300 2,773.17 35,212.13 95,212.11 21 95,212.11 95,212.11 0.0300 2,856.36 38,068.49 98,068.47 22 98,068.47 98,068.47 0.0300 2,942.05 41,010.55 101,010.52 23 101,010.52 101,010.52 0.0300 3,030.32 44,040.86 104,040.84 24 104,040.84 104,040.84 0.0300 3,121.23 47,162.09 107,162.07 25 107,162.07 107,162.07 0.0300 3,214.86 50,376.95 110,376.93 26 110,376.93 110,376.93 0.0300 3,311.31 53,688.26 113,688.24 27 113,688.24 113,688.24 0.0300 3,410.65 57,098.91 117,098.89 28 117,098.89 117,098.89 0.0300 3,512.97 60,611.87 120,611.86 29 120,611.86 120,611.86 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 1 6000.00 6000.00 6000.00 2 6000.00 6000.00 6000.00 3 6000.00 6000.00 6000.00 4 6000.00 6000.00 6000.00 5 6000.00 6000.00 6000.00 accident occurs, the direct punishment 500-1000, who is directly responsible for the accident responsibility, give notice of criticism and 50-100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the administrative leadership of the criticism, resulting in serious consequences, the pursuit of leadership, along with 500-1000 punishment. (5) significant near miss should be attempted as the case of responsible for the accident and construction team injuries accident penalty provisions, mutatis mutandis. Eight, should perform in the construction standards and specifications, serial number a 1 GB3323-2005 steel fusion welded butt joints, welding engineering-Ray lighting and quality rating of 2 GB11345-89 steel welds manual methods of ultrasonic inspection and testing results for grade 3 GB50236-2002 industrial pipe welding engineering code for construction and acceptance of field equipment 4 HGJ222-92 technical specification for welding of aluminium and its alloys 5 low temperature steel welding procedure 6 SH3525-2004 petrochemical JB/ T4708-2000 of welding procedure qualification for steel pressure vessels 7 JB/4709-2000 8 JB4730-2005 pressure vessel welding procedures of steel pressure vessel NDT 9 JB/T4744-2000 steel pressure vessel products mechanical properties test of welded plate II, mechanical equipment installation engineering 1 GB150-98 2 GB50128-2005 vertical cylindrical steel pressure vessel steel welding specification for construction and acceptance of oil tank 3 JB/ T4735-1997 steel welded atmospheric pressure vessel 4 GB50231-2009 mechanical equipment installation 6 7425.00 6000.00 13425.00 6000.00 7 7425.00 6000.00 13425.00 6000.00 8 7425.00 6000.00 13425.00 6000.00 9 7425.00 6000.00 13425.00 6000.00 10 7425.00 6000.00 13425.00 6000.00 11 9188.44 7425.00 16613.44 12 9188.44 7425.00 16613.44 13 9188.44 7425.00 16613.44 14 9188.44 7425.00 16613.44 15 9188.44 7425.00 16613.44 16 11370.69 9188.44 20559.13 17 11370.69 9188.44 20559.13 18 11370.69 9188.44 20559.13 19 11370.69 9188.44 20559.13 20 11370.69 9188.44 20559.13 21 14071.23 11370.69 25441.92 22 14071.23 11370.69 25441.92 23 14071.23 11370.69 25441.92 24 14071.23 11370.69 25441.92 25 14071.23 11370.69 25441.92 26 17413.15 14071.23 31484.38 27 17413.15 14071.23 31484.38 28 17413.15 15865.31 14071.23 12820.45 60170.15 29 19633.32 18719.13 17979.08 17413.15 16380.94 15865.31 15126.57 14528.55 14071.23 13237.12 162954.40 60000.00 accident occurs, the direct punishment 500-1000, who is directly responsible for the accident responsibility, give notice of criticism and 50-100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the administrative leadership of the criticism, resulting in serious consequences, the pursuit of leadership, along with 500-1000 punishment. (5) significant near miss should be attempted as the case of responsible for the accident and construction team injuries accident penalty provisions, mutatis mutandis. Eight, should perform in the construction standards and specifications, serial number a 1 GB3323-2005 steel fusion welded butt joints, welding engineering-Ray lighting and quality rating of 2 GB11345-89 steel welds manual methods of ultrasonic inspection and testing results for grade 3 GB50236-2002 industrial pipe welding engineering code for construction and acceptance of field equipment 4 HGJ222-92 technical specification for welding of aluminium and its alloys 5 low temperature steel welding procedure 6 SH3525-2004 petrochemical JB/ T4708-2000 of welding procedure qualification for steel pressure vessels 7 JB/4709-2000 8 JB4730-2005 pressure vessel welding procedures of steel pressure vessel NDT 9 JB/T4744-2000 steel pressure vessel products mechanical properties test of welded plate II, mechanical equipment installation engineering 1 GB150-98 2 GB50128-2005 vertical cylindrical steel pressure vessel steel welding specification for construction and acceptance of oil tank 3 JB/ T4735-1997 steel welded atmospheric pressure vessel 4 GB50231-2009 mechanical equipment installation 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 个人智胜人生12万保智胜重疾10万保障无忧意外6万保无忧医疗A1万保持交帐户障成本 成本 障成本 障成本 期续个人帐户当个人帐户当费当年个人帐户剩年保障年末个人年(年)累计交初始资年扣除保障年扣除保障保单利保单利人实际余存入金额成本总帐户剩余保障保障基保障基保障保障数 交保保险费 费用 费保障成保障成保障成成本后的剩成本后的剩率 息 年年存总和 基数/数/千数/万成本/基数/和 金额 险费 奖本/年 本/年 本/年 余金额 余金额总和 龄 入金千元 元 元 年 千元 励 额 1 41 6000 6000 3000 3000 3000 2.25 270.00 3.60 360.00 12.00 72.00 20.00 200.00 902.00 2098.00 2098.00 0.0385 80.77 2178.77 2 42 6000 12000 1500 4500 7500 2.47 296.40 3.97 397.00 12.00 72.00 5.00 50.00 815.40 3684.60 5863.37 0.0385 225.74 6089.11 3 43 6000 18000 900 5100 12600 2.71 325.20 4.40 440.00 12.00 72.00 5.00 50.00 887.20 4212.80 10301.91 0.0385 396.62 10698.54 4 44 6000 24000 600 5400 18000 2.98 357.60 4.88 488.00 12.00 72.00 5.00 50.00 967.60 4432.40 15130.94 0.0385 582.54 15713.48 5 45 6000 30000 600 300 5700 23700 3.28 393.60 5.42 542.00 12.00 72.00 5.00 50.00 1057.60 4642.40 20355.88 0.0385 783.70 21139.58 6 46 6000 36000 300 5700 29400 3.60 432.00 6.03 603.00 12.00 72.00 5.00 50.00 1157.00 4543.00 25682.58 0.0385 988.78 26671.36 7 47 6000 42000 300 5700 35100 3.96 475.20 6.69 669.00 12.00 72.00 5.00 50.00 1266.20 4433.80 31105.16 0.0385 1197.55 32302.71 8 48 6000 48000 300 5700 40800 4.35 522.00 7.50 750.00 12.00 72.00 5.00 50.00 1394.00 4306.00 36608.71 0.0385 1409.44 38018.14 9 49 6000 54000 300 5700 46500 4.78 573.60 8.32 832.00 12.00 72.00 5.00 50.00 1527.60 4172.40 42190.54 0.0385 1624.34 43814.88 10 50 6000 60000 300 600 6300 52800 5.26 631.20 9.31 931.00 12.00 72.00 5.00 50.00 1684.20 4615.80 48430.68 0.0385 1864.58 50295.26 11 51 50295.26 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 12 52 50319.12 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 13 53 50154.28 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 accident occurs, the direct punishment 500-1000, who is directly responsible for the accident responsibility, give notice of criticism and 50-100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the administrative leadership of the criticism, resulting in serious consequences, the pursuit of leadership, along with 500-1000 punishment. (5) significant near miss should be attempted as the case of responsible for the accident and construction team injuries accident penalty provisions, mutatis mutandis. Eight, should perform in the construction standards and specifications, serial number a 1 GB3323-2005 steel fusion welded butt joints, welding engineering-Ray lighting and quality rating of 2 GB11345-89 steel welds manual methods of ultrasonic inspection and testing results for grade 3 GB50236-2002 industrial pipe welding engineering code for construction and acceptance of field equipment 4 HGJ222-92 technical specification for welding of aluminium and its alloys 5 low temperature steel welding procedure 6 SH3525-2004 petrochemical JB/ T4708-2000 of welding procedure qualification for steel pressure vessels 7 JB/4709-2000 8 JB4730-2005 pressure vessel welding procedures of steel pressure vessel NDT 9 JB/T4744-2000 steel pressure vessel products mechanical properties test of welded plate II, mechanical equipment installation engineering 1 GB150-98 2 GB50128-2005 vertical cylindrical steel pressure vessel steel welding specification for construction and acceptance of oil tank 3 JB/ T4735-1997 steel welded atmospheric pressure vessel 4 GB50231-2009 mechanical equipment installation 14 54 49707.26 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 15 55 49007.09 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 16 56 48041.31 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 17 57 46762.73 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 18 58 45162.63 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 19 59 43181.90 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 20 60 40745.44 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 21 61 37801.03 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 22 62 34323.29 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 23 63 30351.08 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 24 64 25879.71 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 25 65 20826.20 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 26 66 15195.54 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 27 67 8890.53 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 28 68 1862.17 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 29 69 -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 30 70 -14796.77 37.83 4539.60 42.71 4271.00 12.00 72.00 5.00 50.00 8932.60 -23729.37 -23729.37 0.0385 -913.58 -24642.95 由以上可以看出，个人储蓄29年可得到最低124,230.23元，最高162,954.40元。而参加保险最多可得到身故金12万元，前提是你要在这27年内死亡才可以拿到12万元，因为当你的钱第27年末时已经不够支付保障成本了，你的保险合同将自动失效终止。而不幸的是若29年内你没有死亡，那么当第27年的时候不但你的合同失效终止，而且你的钱也光光了。你也许一分钱也拿不到，也许只能拿到1000多元钱。这就是这款叫作“平安智胜人生终身寿险(万能型)保险”隐藏欺诈性。也许有的朋友会说，那我连续存15年或者20年不就行了吗。其实不行，先说20年，若你连续存入20年，仅本金就是12万元(更多的利息还不算)，那还要它那12万元身故金干啥呢,～多此一举呀～再说15年，其实明眼人能看出，在上表中第30年的时候所支付的保障成本已经达到了9000元/年左右，随着年数的增加，保障金也是成比例的增加的，也就是说31-40年这10年中你每年要支付的保障金可能都要超过1万元甚至2万元都说不定。6千元存30年才能达到2万元左右，试想想你多存那5年，也许只够支付4年的保障成本，届时合同仍然失效。 写到这里大家应该也都明白了吧。这款保险没有任何意义。其实买保险不是理财，保险只是在生存当中出现意外的情况下能有个保障，而理财则是到期时能获得更多的本息。 accident occurs, the direct punishment 500-1000, who is directly responsible for the accident responsibility, give notice of criticism and 50-100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the administrative leadership of the criticism, resulting in serious consequences, the pursuit of leadership, along with 500-1000 punishment. (5) significant near miss should be attempted as the case of responsible for the accident and construction team injuries accident penalty provisions, mutatis mutandis. Eight, should perform in the construction standards and specifications, serial number a 1 GB3323-2005 steel fusion welded butt joints, welding engineering-Ray lighting and quality rating of 2 GB11345-89 steel welds manual methods of ultrasonic inspection and testing results for grade 3 GB50236-2002 industrial pipe welding engineering code for construction and acceptance of field equipment 4 HGJ222-92 technical specification for welding of aluminium and its alloys 5 low temperature steel welding procedure 6 SH3525-2004 petrochemical JB/ T4708-2000 of welding procedure qualification for steel pressure vessels 7 JB/4709-2000 8 JB4730-2005 pressure vessel welding procedures of steel pressure vessel NDT 9 JB/T4744-2000 steel pressure vessel products mechanical properties test of welded plate II, mechanical equipment installation engineering 1 GB150-98 2 GB50128-2005 vertical cylindrical steel pressure vessel steel welding specification for construction and acceptance of oil tank 3 JB/ T4735-1997 steel welded atmospheric pressure vessel 4 GB50231-2009 mechanical equipment installation 另外再说一下，其实“平安智胜人生终身寿险(万能型)保险”在合同中写的清清楚楚每年要收一定的保障成本，也许是购买者没有看明白，也许是推销者没有说明 白，总之是在各种不明白的情况下，合同签了，你也受骗了。 保险有风险，购买请谨慎～ accident occurs, the direct punishment 500-1000, who is directly responsible for the accident responsibility, give notice of criticism and 50-100 economic sanctions against them. (4) to conceal the accident, reported without undue delay or false, to inform the administrative leadership of the criticism, resulting in serious consequences, the pursuit of leadership, along with 500-1000 punishment. (5) significant near miss should be attempted as the case of responsible for the accident and construction team injuries accident penalty provisions, mutatis mutandis. Eight, should perform in the construction standards and specifications, serial number a 1 GB3323-2005 steel fusion welded butt joints, welding engineering-Ray lighting and quality rating of 2 GB11345-89 steel welds manual methods of ultrasonic inspection and testing results for grade 3 GB50236-2002 industrial pipe welding engineering code for construction and acceptance of field equipment 4 HGJ222-92 technical specification for welding of aluminium and its alloys 5 low temperature steel welding procedure 6 SH3525-2004 petrochemical JB/ T4708-2000 of welding procedure qualification for steel pressure vessels 7 JB/4709-2000 8 JB4730-2005 pressure vessel welding procedures of steel pressure vessel NDT 9 JB/T4744-2000 steel pressure vessel products mechanical properties test of welded plate II, mechanical equipment installation engineering 1 GB150-98 2 GB50128-2005 vertical cylindrical steel pressure vessel steel welding specification for construction and acceptance of oil tank 3 JB/ T4735-1997 steel welded atmospheric pressure vessel 4 GB50231-2009 mechanical equipment installation