一、什么是人壽保險
人(ren)(ren)壽保險(xian)(xian)(xian)(xian)是人(ren)(ren)身保險(xian)(xian)(xian)(xian)的(de)(de)(de)一種,以被保險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)(de)壽命為保險(xian)(xian)(xian)(xian)標的(de)(de)(de),且以被保險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)(de)生(sheng)存或(huo)死(si)(si)亡為給付(fu)條件的(de)(de)(de)人(ren)(ren)身保險(xian)(xian)(xian)(xian)。和(he)所有(you)保險(xian)(xian)(xian)(xian)業務一樣,被保險(xian)(xian)(xian)(xian)人(ren)(ren)將風險(xian)(xian)(xian)(xian)轉(zhuan)嫁給保險(xian)(xian)(xian)(xian)人(ren)(ren),接受保險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)(de)條款并(bing)支付(fu)保險(xian)(xian)(xian)(xian)費。與其他保險(xian)(xian)(xian)(xian)不同的(de)(de)(de)是,人(ren)(ren)壽保險(xian)(xian)(xian)(xian)轉(zhuan)嫁的(de)(de)(de)是被保險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)(de)生(sheng)存或(huo)者(zhe)死(si)(si)亡的(de)(de)(de)風險(xian)(xian)(xian)(xian)。
二、人壽保險保障范圍
人壽(shou)保(bao)(bao)(bao)險(xian)(xian)(xian)是人身保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)一種(zhong),以(yi)被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)壽(shou)命為保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de),且以(yi)被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)生存或(huo)死亡(wang)為給付(fu)(fu)條件的(de)人身保(bao)(bao)(bao)險(xian)(xian)(xian)。也就是說被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)人發生保(bao)(bao)(bao)險(xian)(xian)(xian)事故時,保(bao)(bao)(bao)險(xian)(xian)(xian)人會支付(fu)(fu)保(bao)(bao)(bao)險(xian)(xian)(xian)費。
三、人壽保險有哪些險種
1、定期人壽:定(ding)(ding)期人(ren)壽保(bao)(bao)(bao)險就是約(yue)(yue)定(ding)(ding)一個保(bao)(bao)(bao)險期限(xian)(xian),如果被保(bao)(bao)(bao)險人(ren)在約(yue)(yue)定(ding)(ding)期限(xian)(xian)里死亡(wang),保(bao)(bao)(bao)險公司會向保(bao)(bao)(bao)險受(shou)益(yi)人(ren)賠付保(bao)(bao)(bao)險金;如果被保(bao)(bao)(bao)險人(ren)沒有(you)在約(yue)(yue)定(ding)(ding)期限(xian)(xian)里死亡(wang),那么(me)也就這樣了,保(bao)(bao)(bao)險公司既(ji)不進行(xing)賠付,也不退(tui)還(huan)保(bao)(bao)(bao)費。
2、終身人壽:終身(shen)(shen)人壽保(bao)(bao)險(xian)是在被(bei)保(bao)(bao)險(xian)人死亡之后(hou),保(bao)(bao)險(xian)公司向保(bao)(bao)險(xian)受益人進行賠付(fu)的保(bao)(bao)險(xian),但是終身(shen)(shen)人壽保(bao)(bao)險(xian)沒有約定(ding)期限。由于人是一定(ding)會死的,所以(yi)保(bao)(bao)險(xian)公司最終一定(ding)會進行賠付(fu)。
3、生存保險:生存保險要求被(bei)保險人一(yi)定要活到之前約定的(de)期限。如(ru)果在到期之前,被(bei)保險人就死(si)亡了,那么(me)保險公司既不會進行(xing)賠償,也不會退(tui)回保費。
4、生死兩全:生(sheng)死(si)兩全(quan)保(bao)(bao)險(xian)(xian)是(shi)將定期(qi)人(ren)壽(shou)保(bao)(bao)險(xian)(xian)和(he)生(sheng)存(cun)保(bao)(bao)險(xian)(xian)進(jin)行(xing)(xing)組合之(zhi)后得到(dao)的(de)保(bao)(bao)險(xian)(xian)。如(ru)果(guo)被(bei)保(bao)(bao)險(xian)(xian)人(ren)在約(yue)定的(de)期(qi)限(xian)里死(si)亡(wang),保(bao)(bao)險(xian)(xian)公(gong)司會向保(bao)(bao)險(xian)(xian)受益人(ren)進(jin)行(xing)(xing)賠付;如(ru)果(guo)被(bei)保(bao)(bao)險(xian)(xian)人(ren)活到(dao)了約(yue)定期(qi)限(xian)結束,保(bao)(bao)險(xian)(xian)公(gong)司會向被(bei)保(bao)(bao)險(xian)(xian)人(ren)發放生(sheng)存(cun)金。
5、養老保險:養老保(bao)(bao)(bao)險(xian)是將生(sheng)存保(bao)(bao)(bao)險(xian)和死亡保(bao)(bao)(bao)險(xian)進(jin)行組(zu)合之后得到的保(bao)(bao)(bao)險(xian)。不管被保(bao)(bao)(bao)險(xian)人(ren)在約(yue)定期限(xian)里是死是活,保(bao)(bao)(bao)險(xian)公(gong)司都會進(jin)行相應的賠付。
四、買人壽保險好不好
人壽保險值得購買,因為它是一種(zhong)保(bao)障。或(huo)許有(you)人認為,今(jin)天生(sheng)活很(hen)幸福、太(tai)平,然(ran)而人們(men)卻忽略了一點,即(ji)意(yi)外的發生(sheng)。如(ru)果沒有(you)保(bao)險(xian),人們(men)在發生(sheng)意(yi)外時就會(hui)茫然(ran)無助,不知所措(cuo)。人壽(shou)保(bao)險(xian)就是累積千(qian)千(qian)萬(wan)萬(wan)人的財力,結(jie)成一個抵御化解風(feng)險(xian)的大集體。
五、年輕人要不要購買
年(nian)輕人購買(mai)壽險主要是在(zai)擁有明確的(de)保障(zhang)(zhang)利益的(de)條(tiao)件下(xia),希望獲取財務保障(zhang)(zhang)以(yi)免發生災難(nan)的(de)事故。壽險實(shi)質上不是用(yong)來保障(zhang)(zhang)自(zi)己,是為了防止有一天(tian)自(zi)己不在(zai)了,父母(mu)晚(wan)年(nian)不會因(yin)(yin)為生活費(fei)發愁(chou),孩子(zi)不會因(yin)(yin)為未來的(de)教育(yu)費(fei)用(yong)發愁(chou)、配(pei)偶不會因(yin)(yin)為生活費(fei)而發愁(chou)。因(yin)(yin)此(ci),年(nian)輕朋友在(zai)配(pei)置(zhi)好疾病(bing)保障(zhang)(zhang)的(de)情況下(xia),如果經濟(ji)條(tiao)件允(yun)許(xu),可以(yi)考(kao)慮配(pei)置(zhi)一份壽險保障(zhang)(zhang)。
六、人壽保險多少歲不能買
每種險(xian)種都有自己的投(tou)保規則,對于(yu)年齡(ling)的限制,都不(bu)一樣。一般情(qing)況下,對于(yu)壽險(xian)規劃,60歲,基本就是上線(xian)了。
七、人壽保險一年多少錢
人壽保(bao)險一年交多少錢和具體的產品(pin)、保(bao)額、保(bao)障(zhang)期限(xian)以及繳費方式有關,所以沒(mei)有一個(ge)固定(ding)的數字,具體情況還是要具體分析。
八、人壽保險投保注意事項
1、選擇(ze)合法正(zheng)規(gui)的保(bao)(bao)(bao)險公司購買(mai)保(bao)(bao)(bao)險,購買(mai)保(bao)(bao)(bao)險前要查看保(bao)(bao)(bao)險銷售從業人(ren)員資格(ge)證書、執業證書或(huo)自己登錄保(bao)(bao)(bao)險中介監管信(xin)息(xi)系統查詢;
2、簽訂合(he)同時要(yao)認(ren)真查看合(he)同書上的保險責任和(he)(he)免除責任,特(te)別要(yao)注意(yi)保費繳(jiao)納要(yao)求、退保事項,了解(jie)購買保險后享有的權利和(he)(he)應(ying)承擔的義務;
3、要(yao)(yao)選擇合適自(zi)己的保(bao)險(xian)(xian)投保(bao),保(bao)險(xian)(xian)不是越貴越好,投保(bao)人要(yao)(yao)根據自(zi)身要(yao)(yao)求(qiu)選擇險(xian)(xian)種,以不給個人和家(jia)庭(ting)帶(dai)來過重的經濟壓力,并且能滿足保(bao)障需求(qiu)為標準;
4、繳納保險(xian)費用及其他相關(guan)費用時(shi),要向保險(xian)公司索要發票并妥善保管,出現糾紛時(shi)可以作為(wei)憑證。
九、人壽保險理賠
當被保險人因疾病(bing)或(huo)(huo)者意(yi)外(wai)而(er)身(shen)故(gu),或(huo)(huo)者自然死亡之(zhi)后,就可(ke)以去向保險公司申請理賠,而(er)保險公司就會根(gen)據合同約定賠償身(shen)故(gu)保險金(jin)。
除此之(zhi)外,因為不少壽險(xian)產品還包含有全殘保障(zhang),所以當被保險(xian)人因意(yi)外或者疾病全殘之(zhi)后,也是(shi)可以去向保險(xian)公司申請理賠的,而保險(xian)公司也會根(gen)據(ju)合同約定來(lai)賠償全殘保險(xian)金。