一、什么是人壽保險

人(ren)壽保(bao)(bao)險(xian)(xian)(xian)(xian)是人(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)一種，以被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)的(de)(de)壽命為保(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)(de)，且(qie)以被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)的(de)(de)生存或死(si)亡(wang)為給付條(tiao)(tiao)件的(de)(de)人(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian)。和所有保(bao)(bao)險(xian)(xian)(xian)(xian)業務一樣，被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)將(jiang)風險(xian)(xian)(xian)(xian)轉嫁(jia)給保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)，接受保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)的(de)(de)條(tiao)(tiao)款并支付保(bao)(bao)險(xian)(xian)(xian)(xian)費。與(yu)其他(ta)保(bao)(bao)險(xian)(xian)(xian)(xian)不(bu)同的(de)(de)是，人(ren)壽保(bao)(bao)險(xian)(xian)(xian)(xian)轉嫁(jia)的(de)(de)是被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)的(de)(de)生存或者死(si)亡(wang)的(de)(de)風險(xian)(xian)(xian)(xian)。

二、人壽保險保障范圍

人(ren)(ren)壽保(bao)(bao)險(xian)(xian)(xian)(xian)是人(ren)(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)一種(zhong)，以被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)壽命為保(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)，且以被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)生(sheng)存或死亡為給(gei)付條件的(de)人(ren)(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian)。也就是說被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)發生(sheng)保(bao)(bao)險(xian)(xian)(xian)(xian)事故(gu)時，保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)會(hui)支付保(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)。

該圖片由注冊用戶"夜話金融街"提供，版權聲明反饋

三、人壽保險有哪些險種

1、定期人壽：定(ding)期(qi)人(ren)壽保(bao)險(xian)就(jiu)是約定(ding)一個保(bao)險(xian)期(qi)限，如果被保(bao)險(xian)人(ren)在約定(ding)期(qi)限里(li)死亡，保(bao)險(xian)公(gong)司會向保(bao)險(xian)受益人(ren)賠(pei)(pei)付(fu)保(bao)險(xian)金；如果被保(bao)險(xian)人(ren)沒有在約定(ding)期(qi)限里(li)死亡，那(nei)么(me)也(ye)就(jiu)這(zhe)樣了，保(bao)險(xian)公(gong)司既不進(jin)行賠(pei)(pei)付(fu)，也(ye)不退(tui)還保(bao)費(fei)。

2、終身人壽：終(zhong)身(shen)人(ren)(ren)壽(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)是在被保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)死(si)亡(wang)之后，保(bao)險(xian)(xian)(xian)(xian)(xian)公司向保(bao)險(xian)(xian)(xian)(xian)(xian)受益人(ren)(ren)進(jin)行(xing)賠(pei)付(fu)的保(bao)險(xian)(xian)(xian)(xian)(xian)，但是終(zhong)身(shen)人(ren)(ren)壽(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)沒(mei)有約定(ding)期限(xian)。由(you)于人(ren)(ren)是一(yi)定(ding)會(hui)死(si)的，所(suo)以保(bao)險(xian)(xian)(xian)(xian)(xian)公司最終(zhong)一(yi)定(ding)會(hui)進(jin)行(xing)賠(pei)付(fu)。

3、生存保險：生存(cun)保(bao)(bao)險要求被保(bao)(bao)險人一定(ding)(ding)要活(huo)到之前約定(ding)(ding)的期(qi)限。如果在到期(qi)之前，被保(bao)(bao)險人就(jiu)死亡了，那(nei)么保(bao)(bao)險公司既不會(hui)(hui)進(jin)行賠償，也不會(hui)(hui)退(tui)回保(bao)(bao)費。

4、生死兩全：生死(si)兩全保(bao)(bao)(bao)(bao)險(xian)(xian)是將(jiang)定期人(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)和生存保(bao)(bao)(bao)(bao)險(xian)(xian)進行組合之后(hou)得(de)到的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)。如果被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)在約(yue)定的(de)期限里死(si)亡，保(bao)(bao)(bao)(bao)險(xian)(xian)公司會向保(bao)(bao)(bao)(bao)險(xian)(xian)受(shou)益人(ren)進行賠付；如果被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)活到了約(yue)定期限結束，保(bao)(bao)(bao)(bao)險(xian)(xian)公司會向被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)發放生存金。

5、養老保險：養(yang)老保(bao)險是(shi)將生存(cun)保(bao)險和死亡(wang)保(bao)險進行組合之后得到的保(bao)險。不管被保(bao)險人在約定期限里是(shi)死是(shi)活，保(bao)險公(gong)司(si)都會(hui)進行相應的賠付(fu)。

四、買人壽保險好不好

人壽保險值得購(gou)買(mai)，因為(wei)它是(shi)一種保障。或許有(you)人認(ren)為(wei)，今天生(sheng)活很幸福、太平，然而(er)人們卻忽略(lve)了一點，即意外的發生(sheng)。如(ru)果沒(mei)有(you)保險(xian)(xian)，人們在發生(sheng)意外時就會茫然無助，不知所措。人壽(shou)保險(xian)(xian)就是(shi)累積(ji)千千萬萬人的財力，結成一個抵(di)御化(hua)解風險(xian)(xian)的大集(ji)體。

五、年輕人要不要購買

年輕人(ren)購買壽(shou)(shou)險主要(yao)是在擁(yong)有明確的(de)保(bao)障(zhang)利益的(de)條件下(xia)，希望獲(huo)取(qu)財務(wu)保(bao)障(zhang)以(yi)免發生災難的(de)事故。壽(shou)(shou)險實質上(shang)不(bu)(bu)是用(yong)來保(bao)障(zhang)自(zi)己(ji)，是為(wei)了防止有一天自(zi)己(ji)不(bu)(bu)在了，父母晚年不(bu)(bu)會(hui)因為(wei)生活(huo)費發愁(chou)，孩子不(bu)(bu)會(hui)因為(wei)未來的(de)教育費用(yong)發愁(chou)、配(pei)(pei)偶不(bu)(bu)會(hui)因為(wei)生活(huo)費而發愁(chou)。因此，年輕朋(peng)友(you)在配(pei)(pei)置好疾病保(bao)障(zhang)的(de)情況下(xia)，如果經濟(ji)條件允許(xu)，可以(yi)考慮配(pei)(pei)置一份壽(shou)(shou)險保(bao)障(zhang)。

六、人壽保險多少歲不能買

每種險種都(dou)有自己的投保規(gui)則，對于年(nian)齡的限制，都(dou)不一(yi)樣。一(yi)般情況下，對于壽險規(gui)劃，60歲(sui)，基本就是上線了(le)。

七、人壽保險一年多少錢

人壽保險一年(nian)交多少錢和具體的產品(pin)、保額、保障(zhang)期限(xian)以及繳費(fei)方(fang)式有(you)關，所以沒有(you)一個固定的數字，具體情(qing)況還(huan)是要具體分析(xi)。

八、人壽保險投保注意事項

1、選擇合法(fa)正(zheng)規的保(bao)險(xian)公司購(gou)買保(bao)險(xian)，購(gou)買保(bao)險(xian)前要查看保(bao)險(xian)銷售(shou)從業(ye)(ye)人員資格(ge)證(zheng)書、執業(ye)(ye)證(zheng)書或自(zi)己(ji)登錄保(bao)險(xian)中介(jie)監管(guan)信息(xi)系統查詢(xun);

2、簽訂合同(tong)時要(yao)認真查(cha)看(kan)合同(tong)書上的保險責任和免除責任，特別要(yao)注(zhu)意保費(fei)繳納要(yao)求、退保事項(xiang)，了(le)解購買保險后享有的權利和應承(cheng)擔的義務;

3、要選擇合適自己(ji)的保險(xian)投保，保險(xian)不是越(yue)貴越(yue)好，投保人要根據自身(shen)要求選擇險(xian)種，以不給個人和家庭(ting)帶來過重的經濟(ji)壓(ya)力，并且能滿足保障(zhang)需求為標準;

4、繳納保(bao)(bao)險費用及(ji)其他相(xiang)關費用時(shi)，要向保(bao)(bao)險公(gong)司(si)索要發(fa)票(piao)并妥善(shan)保(bao)(bao)管，出現糾紛時(shi)可以作(zuo)為憑證。

九、人壽保險理賠

當被(bei)保(bao)險(xian)(xian)人(ren)因疾(ji)病或者意外而身(shen)故，或者自然死亡(wang)之后，就(jiu)可以去(qu)向保(bao)險(xian)(xian)公(gong)司(si)申請理(li)賠，而保(bao)險(xian)(xian)公(gong)司(si)就(jiu)會根據合同(tong)約(yue)定賠償身(shen)故保(bao)險(xian)(xian)金。

除此之(zhi)(zhi)外，因(yin)為不少壽險(xian)(xian)產品(pin)還包含有全(quan)殘(can)保(bao)障，所以當(dang)被保(bao)險(xian)(xian)人因(yin)意(yi)外或者疾病(bing)全(quan)殘(can)之(zhi)(zhi)后，也是可以去向保(bao)險(xian)(xian)公司(si)申請理賠的(de)，而(er)保(bao)險(xian)(xian)公司(si)也會根據(ju)合同約定(ding)來賠償全(quan)殘(can)保(bao)險(xian)(xian)金。