看几个例子为什么存保险？ 减保前 减保计算 减保后保单年度 年末已达年龄 公共交通工具意外身 航空公共交通工具意 期望通过减保获得的金额 当年度保险费 一般身故保险金 现金价值 通过减保获得的金额 现金价值 故保险金 外身故保险金 （请输入） 1 51 200,000.00 280,000 271,500 543,000 104,600.00 - 104,600.00 2 52 200,000.00 560,000 271,500 543,000 292,400.00 - 292,400.00 3 53 200,000.00 840,000 271,500 543,000 571,400.00 - 571,400.00 4 54 - 840,000 271,500 543,000 598,600.00 - 598,600.00 5 55 - 840,000 271,500 543,000 627,200.00 - 627,200.00 50岁男性，20万，3 6 56 - 840,000 271,500 543,000 644,600.00 - 644,600.00 7 57 - 840,000 271,500 543,000 662,600.00 - 662,600.00 年存 8 58 - 840,000 271,500 543,000 681,400.00 - 681,400.00 9 59 - 840,000 271,500 543,000 700,600.00 - 700,600.00 10 60 - 840,000 271,500 543,000 720,400.00 24,000 25,214.00 695,186.00 11 61 - 741,000 271,500 543,000 741,000.00 24,000 22,230.00 692,835.00 12 62 - 763,200 271,500 543,000 763,200.00 24,000 22,896.00 690,696.00 27年翻番 13 63 - 786,200 271,500 543,000 786,200.00 24,000 23,586.00 687,925.00 14 64 - 809,600 271,500 543,000 809,600.00 24,000 24,288.00 684,112.00 15 65 - 834,000 271,500 543,000 834,000.00 24,000 25,020.00 679,710.00 16 66 - 859,000 271,500 543,000 859,000.00 24,000 25,770.00 674,315.00 17 67 - 884,800 271,500 543,000 884,800.00 24,000 22,120.00 672,448.00 18 68 - 911,200 271,500 543,000 911,200.00 24,000 22,780.00 669,732.00 60岁开始，每年领取 19 69 - 938,600 271,500 543,000 938,600.00 24,000 23,465.00 666,406.00 20 70 - 966,800 271,500 543,000 966,800.00 24,000 24,170.00 662,258.00 24000元 21 71 - 995,800 271,500 543,000 995,800.00 24,000 24,895.00 657,228.00 22 72 - 1,025,600 271,500 543,000 1,025,600.00 24,000 25,640.00 651,256.00 23 73 - 1,056,400 271,500 543,000 1,056,400.00 24,000 26,410.00 644,404.00 24 74 - 1,088,000 271,500 543,000 1,088,000.00 24,000 21,760.00 641,920.00 25 75 - 1,120,600 271,500 543,000 1,120,600.00 24,000 22,412.00 638,742.00 领取至90岁，共领取 26 76 - 1,154,200 - - 1,154,200.00 24,000 23,084.00 634,810.00 27 77 - 1,188,800 - - 1,188,800.00 24,000 23,776.00 630,064.00 28 78 - 1,224,400 - - 1,224,400.00 24,000 24,488.00 624,444.00 74.2万 29 79 - 1,261,200 - - 1,261,200.00 24,000 25,224.00 617,988.00 30 80 - 1,299,000 - - 1,299,000.00 24,000 25,980.00 610,530.00 账户剩余55万 31 81 - 1,338,000 - - 1,338,000.00 24,000 26,760.00 602,100.00 32 82 - 1,378,200 - - 1,378,200.00 24,000 20,673.00 599,517.00 33 83 - 1,419,400 - - 1,419,400.00 24,000 21,291.00 596,148.00 34 84 - 1,462,000 - - 1,462,000.00 24,000 21,930.00 592,110.00 35 85 - 1,505,800 - - 1,505,800.00 24,000 22,587.00 587,262.00 36 86 - 1,551,000 - - 1,551,000.00 24,000 23,265.00 581,625.00 累计129.2万 37 87 - 1,597,600 - - 1,597,600.00 24,000 23,964.00 575,136.00 38 88 - 1,645,400 - - 1,645,400.00 24,000 24,681.00 567,663.00 39 89 - 1,694,800 - - 1,694,800.00 24,000 25,422.00 559,284.00 40 90 - 1,745,600 - - 1,745,600.00 24,000 26,184.00 549,864.00 减保前 减保计算 减保后保单年 年末已达 公共交通工具 航空公共交通 期望通过减保获 一般身故保险 通过减保获得 度 年龄 当年度保险费 意外身故保险 工具意外身故 现金价值 得的金额（请输 现金价值 金 的金额 金 保险金 入） 1 31 200,000.00 320,000 275,100 550,200 104,800.00 - 104,800.00 2 32 200,000.00 640,000 275,100 550,200 293,200.00 - 293,200.00 30岁男性，20万，3 3 33 200,000.00 960,000 275,100 550,200 573,200.00 - 573,200.00 4 34 - 960,000 275,100 550,200 601,600.00 - 601,600.00 年存 5 35 - 960,000 275,100 550,200 631,200.00 - 631,200.00 6 36 - 960,000 275,100 550,200 649,800.00 - 649,800.00 7 37 - 960,000 275,100 550,200 669,000.00 - 669,000.00 8 38 - 960,000 275,100 550,200 688,600.00 - 688,600.00 27年翻番 9 39 - 960,000 275,100 550,200 708,800.00 - 708,800.00 10 40 - 960,000 275,100 550,200 729,800.00 - 729,800.00 15 45 - 845,200 275,100 550,200 845,200.00 - 845,200.00 20 50 - 979,800 275,100 550,200 979,800.00 - 979,800.00 60岁开始，每年领取 25 55 - 1,135,600 275,100 550,200 1,135,600.00 - 1,135,600.00 30 60 - 1,316,600 275,100 550,200 1,316,600.00 48,000 46,081.00 1,270,519.00 48000元 40 70 - 1,769,200 275,100 550,200 1,769,200.00 48,000 44,230.00 1,158,826.00 50 80 - 2,377,400 - - 2,377,400.00 48,000 47,548.00 1,010,395.00 51 81 - 2,448,600 - - 2,448,600.00 48,000 48,972.00 991,683.00 领取至90岁，共领取 52 82 - 2,522,000 - - 2,522,000.00 48,000 50,440.00 970,970.00 53 83 - 2,597,600 - - 2,597,600.00 48,000 51,952.00 948,124.00 147万 54 84 - 2,675,600 - - 2,675,600.00 48,000 53,512.00 923,082.00 账户剩余81.4万 55 85 - 2,755,800 - - 2,755,800.00 48,000 41,337.00 909,414.00 56 86 - 2,838,400 - - 2,838,400.00 48,000 42,576.00 894,096.00 57 87 - 2,923,600 - - 2,923,600.00 48,000 43,854.00 877,080.00 58 88 - 3,011,200 - - 3,011,200.00 48,000 45,168.00 858,192.00 累计228.8万 59 89 - 3,101,400 - - 3,101,400.00 48,000 46,521.00 837,378.00 60 90 - 3,194,400 - - 3,194,400.00 48,000 47,916.00 814,572.00 增额寿PK银行(教育金版本) 0岁宝宝 20万*3年交 A账户(银行) B账户(保险) 60万(确定)+利息(?) 先不告诉你18岁 读大学4年,一年9万生活费+学费 ——36万 ——36万22岁 24万(确定)+利息?(不确定) 63.9万(确定) 读研究生3年,一年10万生活费+学费 ——30万 ——30万25岁 毕业时??? 38.8万(确定) 减保前 减保计算 减保后 航空公共交通工 期望通过减保获保单年度 年末已达年龄 公共交通工具意 通过减保获得的 当年度保险费 一般身故保险金 具意外身故保险 现金价值 得的金额 现金价值 外身故保险金 金额 金 （请输入） 1 1 200,000.00 200,000 - 553,400 104,800.00 - 104,800.00 2 2 200,000.00 400,000 - 553,400 293,400.00 - 293,400.00 3 3 200,000.00 600,000 - 553,400 573,800.00 - 573,800.00 4 4 - 602,600 - 553,400 602,600.00 - 602,600.00 5 5 - 632,600 - 553,400 632,600.00 - 632,600.00 6 6 - 651,600 - 553,400 651,600.00 - 651,600.00 7 7 - 671,200 - 553,400 671,200.00 - 671,200.00 8 8 - 691,200 - 553,400 691,200.00 - 691,200.00 9 9 - 712,000 - 553,400 712,000.00 - 712,000.00 10 10 - 733,400 - 553,400 733,400.00 - 733,400.00 11 11 - 755,400 - 553,400 755,400.00 - 755,400.00 12 12 - 778,000 - 553,400 778,000.00 - 778,000.00 13 13 - 801,400 - 553,400 801,400.00 - 801,400.00 14 14 - 825,400 - 553,400 825,400.00 - 825,400.00 15 15 - 850,200 - 553,400 850,200.00 - 850,200.00 16 16 - 875,600 - 553,400 875,600.00 - 875,600.00 17 17 - 902,000 - 553,400 902,000.00 - 902,000.00 18 18 - 960,000 276,700 553,400 929,000.00 90,000 88,255.00 840,745.00 19 19 - 960,000 276,700 553,400 956,800.00 90,000 90,896.00 775,008.00 20 20 - 985,600 276,700 553,400 985,600.00 90,000 88,704.00 709,632.00 21 21 - 1,015,000 276,700 553,400 1,015,000.00 90,000 91,350.00 639,450.00 22 22 - 1,045,600 276,700 553,400 1,045,600.00 100,000 99,332.00 559,396.00 23 23 - 1,076,800 276,700 553,400 1,076,800.00 100,000 102,296.00 473,792.00 24 24 - 1,109,200 276,700 553,400 1,109,200.00 100,000 99,828.00 388,220.00