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홍차넷
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 269
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/zero_header.php on line 300
Warning: Use of undefined constant title - assumed 'title' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 16
질문
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/bbs_title.php on line 21
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- 질문 게시판입니다.
Warning: Use of undefined constant use_formmail - assumed 'use_formmail' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 519
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전체기타게임진로연애가정/육아체육/스포츠교육의료/건강철학/종교IT/컴퓨터여행과학문화/예술법률홍차넷경제
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Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 2
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 17/01/23 16:22:16 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 |
| Name | 은채아빠 |
| Subject | 보험 관련 몇가지 여쭈어 보고자 합니다. |
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안녕하세요. 저는 금융/보험으로만 가면 유치원생이 되버리는 40대 아저씨입니다. 다름이 아니라 보험 관련해서 조금 이해가 안가는 내용이 있어 지식가득 홍차넷 질문 게시판을 다시 찾아왔습니다. 바야흐로 연말정산 시즌이라 한해 지출내역을 볼 수 있는데요. 제 이름으로 지출되는 보험료가 너무 과해 보입니다. 벌써 몇년 째 내고는 있습니다만... * 보험목록 - 농협 - (무)베스트종신공제III 1종 : 695,400원 - KB - (무) LIG닥터플러스건강보험 : 1,419,600원 - 메트라이프 - 무배당 라이프플랜 변액유니버셜 : 1,320,000원 * 내용 - 제가 결혼 당시 제 이름으로 들어놓은 보험이 전혀 없어서, 아내가 2013년 제 만 나이 36세에 위 3개 보험을 가입했습니다. - 너무 보험료가 과하게 나간다고 아내에게 물어봤지만, 다 필요한 사항으로, 오히려 나이 어릴 때 안 들어놨으니 이렇게 보험료가 비싼 거라며 핀잔만 들었습니다. * 질문 1. 주변을 보면 한가지만 들어놓으면 상해보상도 되고 이것저것 다 된다던데, 왜 저렇게 3가지나 나눠서 가입한걸까요? 2. 말씀드린 3개중에 불필요한 상품은 없나요? 제가 보기엔 농협/메트라이프가 두개 다 종신보험이라서 중복지출 같아서요. 3. 제 앞으로만 나가는 보험료가 연간 340만원이 넘는데... 이게 일반적인건가요? 아내가 나쁜 뜻으로 가입한 건 아니겠지만, 너무 설계사 분에게 의지하는 것 같기도 하고, 종신보험이란게 어차피 제가 죽어야 (...) 받는거라고 알고 있어 서러운 마음도 들고 해서 질문 남겨봅니다. 미리 감사합니다!! Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 0 이 게시판에 등록된 은채아빠님의 최근 게시물
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Warning: Use of undefined constant grant_delete - assumed 'grant_delete' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 577
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Warning: Use of undefined constant use_formmail - assumed 'use_formmail' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 605
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Warning: Use of undefined constant is_admin - assumed 'is_admin' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/lib.php on line 605
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Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 612
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Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 628
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Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 640
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Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/cmt_replace.php on line 3
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 6
Warning: Use of undefined constant file_name - assumed 'file_name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 28
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19085 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
19085 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
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Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
19085'> Beer Inside
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
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17/01/23 16:31
19085>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
1,3은 종신인것 같고, 2는 실손보험같습니다.
실손은 일단 가입하고 있느니 금전적인 어려움이 없다면 계속가입하시는 것도 나쁘지 않습니다.
종신은 일단 가입한 햇수가 10년 이상이면 해지해도 상관없지만 10년미만이면 손실일 가능성이 높습니다.
원금회수가 어렵다는 이야기이지요.
그러니 급전이 필요하지 않다면 일단은 유지하시는 것이 좋습니다.
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 171
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
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Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
실손은 일단 가입하고 있느니 금전적인 어려움이 없다면 계속가입하시는 것도 나쁘지 않습니다.
종신은 일단 가입한 햇수가 10년 이상이면 해지해도 상관없지만 10년미만이면 손실일 가능성이 높습니다.
원금회수가 어렵다는 이야기이지요.
그러니 급전이 필요하지 않다면 일단은 유지하시는 것이 좋습니다.
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