一张图看懂增额终身寿险，你真的了解它吗？

保险吴经理 2024-10-14 17:39:54 我要入驻

保险吴经理保险顾问

财经领域达人保险科普达人

一对一咨询

增额终身寿险属于理财保险，保障和理财并存，而且可以灵活领取，不少有保值增值需求的人都会选择投保一份增额终身寿险。不过，增额终身寿险不能乱买，还应当仔细了解后，再考虑是否需要投保。

一：什么是增额终身寿险

增额终身寿险是理财保险，但其本质上还是属于保险，为人寿保险，主要可保身故或全残，能够帮助被保险人有效抵御死亡风险。

增额终身寿险最大的特点就是保额会按照保险合同约定利率逐年复利增长，而现金价值则是会随着保额的增长而增长，后期现金价值很高，具有保值增值的功能。此外，增额终身寿险大多还可以附加分红，只是分红无法确定。

二：增额终身寿险的特点和功能

清楚增额终身寿险的特点和功能，才能判断其是否真的符合自身的保障需求。一般来说，增额终身寿险的特点和功能如下：

1. 灵活：增额终身寿险具有减保的功能，保单持有人可以随时通过减保的方式领取部分保单现金价值，非常灵活。

2. 保值增值：增额终身寿险的保额和现金价值会逐年增长，大多可以在交完保费后的几年内回本，如果附加分红，优质的增额终身寿险甚至可以在刚交完保费的时候就回本，后期现金价值会越来越高，具有保值增值的功能。

3. 稳定：增额终身寿险的保额年复利增长利率写入了保险合同，安全稳定。

三：增额终身寿险的缺点

增额终身寿险并不适合所有人投保，如果可以接受它的缺点，那么再考虑投保也不迟。

1. 保费较高：增额终身寿险的保费相对一般的健康保险来说要高很多，大多有起投金额的限制，例如5000元起投、10000元起投、100000元起投不等。

2. 有封闭期：增额终身寿险的交费期间一般为封闭期，在此期间，增额终身寿险的现金价值还低于已交保费，退保会有经济损失。

3. 不适合短期持有：增额终身寿险持有时间越长，则收益越高，如果短期内有用钱的需求，那么不建议投保增额终身寿险。

4. 缺少基础保障：增额终身寿险主要可保身故或全残，没有健康、意外等基础保障，所以更适合已经配置好健康保险的人群投保，因为健康才是一个人最为宝贵的财富。

关于一张图看懂增额终身寿险就说到这里，希望对你有所帮助。

精品好文推荐：
《2024年10月养老年金险排名，介绍11款》
《2024年10月增额终身寿险最新榜单，覆盖热门产品》
《养老年金险趸交、三年交、五年交、十年交区别》
《太平洋人寿增额寿险哪款好，4款在售新产品介绍》
FreeMarker template error (DEBUG mode; use RETHROW in production!): The following has evaluated to null or missing: ==> GetData('baoxian_jx_data','lcxjx') [in template "h5/common/baoxian_ad.html" at line 44, column 40] ---- Tip: If the failing expression is known to be legally refer to something that's sometimes null or missing, either specify a default value like myOptionalVar!myDefault, or use <#if myOptionalVar??>when-present<#else>when-missing. (These only cover the last step of the expression; to cover the whole expression, use parenthesis: (myOptionalVar.foo)!myDefault, (myOptionalVar.foo)?? ---- ---- FTL stack trace ("~" means nesting-related): - Failed at: #assign lcxjxArticles = GetData("baox... [in template "h5/common/baoxian_ad.html" in macro "baoxian_tag_ad" at line 44, column 17] - Reached through: @baoxian_tag_ad "${channelType}" [in template "h5/newbaoxianad/admacro.html" in macro "NEW_BAOXIAN_AD_1" at line 23, column 21] - Reached through: @NEW_BAOXIAN_AD_1 channelType="${chan... [in template "h5/newbaoxianad/macro.html" in macro "NEW_BAOXIAN_AD" at line 183, column 21] - Reached through: @NEW_BAOXIAN_AD channelType="ARTICLE"... [in template "h5/article/channelArticle/baoxian_article.html" at line 25, column 9] - Reached through: #include "channelArticle/baoxian_arti... [in template "h5/article/article.html" at line 84, column 5] ---- Java stack trace (for programmers): ---- freemarker.core.InvalidReferenceException: [... Exception message was already printed; see it above ...] at freemarker.core.InvalidReferenceException.getInstance(InvalidReferenceException.java:131) at freemarker.core.Assignment.accept(Assignment.java:136) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.IfBlock.accept(IfBlock.java:48) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.IteratorBlock$IterationContext.executeNestedBlockInner(IteratorBlock.java:268) at freemarker.core.IteratorBlock$IterationContext.executeNestedBlock(IteratorBlock.java:220) at freemarker.core.IteratorBlock$IterationContext.accept(IteratorBlock.java:194) at freemarker.core.Environment.visitIteratorBlock(Environment.java:572) at freemarker.core.IteratorBlock.acceptWithResult(IteratorBlock.java:78) at freemarker.core.IteratorBlock.accept(IteratorBlock.java:64) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Macro$Context.runMacro(Macro.java:184) at freemarker.core.Environment.invoke(Environment.java:701) at freemarker.core.UnifiedCall.accept(UnifiedCall.java:84) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.IfBlock.accept(IfBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Macro$Context.runMacro(Macro.java:184) at freemarker.core.Environment.invoke(Environment.java:701) at freemarker.core.UnifiedCall.accept(UnifiedCall.java:84) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.IfBlock.accept(IfBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.IfBlock.accept(IfBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Macro$Context.runMacro(Macro.java:184) at freemarker.core.Environment.invoke(Environment.java:701) at freemarker.core.UnifiedCall.accept(UnifiedCall.java:84) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Environment.include(Environment.java:2072) at freemarker.core.Include.accept(Include.java:167) at freemarker.core.Environment.visitByHiddingParent(Environment.java:345) at freemarker.core.IfBlock.accept(IfBlock.java:48) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.MixedContent.accept(MixedContent.java:54) at freemarker.core.Environment.visit(Environment.java:324) at freemarker.core.Environment.process(Environment.java:302) at freemarker.template.Template.process(Template.java:325) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.processTemplate(FreeMarkerView.java:367) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.doRender(FreeMarkerView.java:284) at org.springframework.web.servlet.view.freemarker.FreeMarkerView.renderMergedTemplateModel(FreeMarkerView.java:234) at org.springframework.web.servlet.view.AbstractTemplateView.renderMergedOutputModel(AbstractTemplateView.java:167) at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:303) at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1257) at org.springframework.web.servlet.DispatcherServlet.processDispatchResult(DispatcherServlet.java:1037) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:980) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:897) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:970) at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:861) at javax.servlet.http.HttpServlet.service(HttpServlet.java:624) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:846) at javax.servlet.http.HttpServlet.service(HttpServlet.java:731) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:303) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:52) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at com.ujigu.secure.web.filter.CommonFilter.doFilter(CommonFilter.java:257) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at com.ujigu.secure.web.filter.XssSqlFilter.doFilter(XssSqlFilter.java:40) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:101) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.apache.catalina.core.ApplicationDispatcher.invoke(ApplicationDispatcher.java:747) at org.apache.catalina.core.ApplicationDispatcher.processRequest(ApplicationDispatcher.java:485) at org.apache.catalina.core.ApplicationDispatcher.doForward(ApplicationDispatcher.java:410) at org.apache.catalina.core.ApplicationDispatcher.forward(ApplicationDispatcher.java:337) at org.springframework.web.servlet.view.InternalResourceView.renderMergedOutputModel(InternalResourceView.java:168) at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:303) at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1257) at org.springframework.web.servlet.DispatcherServlet.processDispatchResult(DispatcherServlet.java:1037) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:980) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:897) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:970) at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:861) at javax.servlet.http.HttpServlet.service(HttpServlet.java:624) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:846) at javax.servlet.http.HttpServlet.service(HttpServlet.java:731) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:303) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:52) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at com.ujigu.secure.web.filter.CommonFilter.doFilter(CommonFilter.java:257) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at com.ujigu.secure.web.filter.XssSqlFilter.doFilter(XssSqlFilter.java:40) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:197) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:107) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.tuckey.web.filters.urlrewrite.RuleChain.handleRewrite(RuleChain.java:176) at org.tuckey.web.filters.urlrewrite.RuleChain.doRules(RuleChain.java:145) at org.tuckey.web.filters.urlrewrite.UrlRewriter.processRequest(UrlRewriter.java:92) at org.tuckey.web.filters.urlrewrite.UrlRewriteFilter.doFilter(UrlRewriteFilter.java:389) at com.ujigu.secure.web.filter.SubUrlRewriteFilter.doFilter(SubUrlRewriteFilter.java:57) at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241) at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208) at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:218) at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:110) at org.apache.catalina.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:506) at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:169) at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:103) at org.apache.catalina.valves.RemoteIpValve.invoke(RemoteIpValve.java:683) at org.apache.catalina.valves.AccessLogValve.invoke(AccessLogValve.java:962) at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:116) at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:452) at org.apache.coyote.http11.AbstractHttp11Processor.process(AbstractHttp11Processor.java:1087) at org.apache.coyote.AbstractProtocol$AbstractConnectionHandler.process(AbstractProtocol.java:637) at org.apache.tomcat.util.net.JIoEndpoint$SocketProcessor.run(JIoEndpoint.java:316) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at org.apache.tomcat.util.threads.TaskThread$WrappingRunnable.run(TaskThread.java:61) at java.lang.Thread.run(Thread.java:748)