一、定期人壽是什么意思

定(ding)期(qi)(qi)人(ren)(ren)(ren)壽和(he)終身人(ren)(ren)(ren)壽都是人(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，是一種以(yi)被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)生(sheng)命為(wei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)，以(yi)被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)生(sheng)存或死(si)亡為(wei)支(zhi)付(fu)條件的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。定(ding)期(qi)(qi)人(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是指在(zai)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)約(yue)定(ding)的(de)期(qi)(qi)間內(nei)，如果被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)死(si)亡或全殘，則(ze)(ze)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)按照(zhao)約(yue)定(ding)的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金(jin)額(e)給付(fu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金(jin)，若保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期(qi)(qi)限屆滿被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)健在(zai)，則(ze)(ze)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)自(zi)然終止，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)不再承(cheng)擔(dan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)責任，并且不退回保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)。

二、終身人壽是什么意思

終身壽險(xian)(xian)是指不(bu)定期的(de)死亡(wang)(wang)保(bao)(bao)(bao)險(xian)(xian)。保(bao)(bao)(bao)險(xian)(xian)合(he)同訂(ding)立后(hou)，被保(bao)(bao)(bao)險(xian)(xian)人無(wu)論何時(shi)死亡(wang)(wang)，保(bao)(bao)(bao)險(xian)(xian)人均應(ying)給付保(bao)(bao)(bao)險(xian)(xian)金。只要被保(bao)(bao)(bao)險(xian)(xian)人按(an)期交(jiao)納保(bao)(bao)(bao)險(xian)(xian)費，保(bao)(bao)(bao)險(xian)(xian)人無(wu)權拒絕續保(bao)(bao)(bao)。按(an)交(jiao)保(bao)(bao)(bao)險(xian)(xian)費的(de)方式不(bu)同，終身保(bao)(bao)(bao)險(xian)(xian)分為終身交(jiao)費之終身保(bao)(bao)(bao)險(xian)(xian)，定期交(jiao)費之終身保(bao)(bao)(bao)險(xian)(xian)和一次交(jiao)費的(de)終身保(bao)(bao)(bao)險(xian)(xian)三種。

該圖片由注冊用戶"荊湖酒徒"提供，版權聲明反饋

三、定期人壽和終身人壽有哪些區別

1、保費不同

定期(qi)人壽是(shi)消(xiao)費(fei)型(xing)的保(bao)險，到了保(bao)險的保(bao)障期(qi)限，如果被保(bao)險人還健在的話(hua)，保(bao)費(fei)就(jiu)消(xiao)費(fei)掉了不(bu)會(hui)退還，這類(lei)壽險通常比較便宜，不(bu)喜歡了可以更換，對于消(xiao)費(fei)者來說比較靈活(huo)。

終(zhong)身(shen)壽(shou)險(xian)相當于(yu)一份長期(qi)儲蓄，不管(guan)怎樣，保(bao)費都會返還到受益人(ren)手上。保(bao)費自然要(yao)(yao)比定期(qi)壽(shou)險(xian)要(yao)(yao)一些，而且隨著年齡的增長，保(bao)費也會慢慢變高。在(zai)相同繳(jiao)費期(qi)限以及相同保(bao)障額(e)度情況下，終(zhong)身(shen)壽(shou)險(xian)比定期(qi)壽(shou)險(xian)幾乎貴十(shi)倍。

2、保障期限不同

定(ding)期人壽保(bao)(bao)險(xian)(xian)可保(bao)(bao)10年、20年、30年或60年、70年等。如果(guo)被保(bao)(bao)險(xian)(xian)人在保(bao)(bao)險(xian)(xian)單規(gui)定(ding)的期限內死亡，受益人可以根據合同(tong)領(ling)取(qu)保(bao)(bao)險(xian)(xian)金。如果(guo)超過此期限，不(bu)能獲得理賠(pei)。

終身壽險是覆蓋被(bei)(bei)保(bao)(bao)險人(ren)生命的終身保(bao)(bao)障：對被(bei)(bei)保(bao)(bao)險人(ren)來(lai)說(shuo)，理賠是一(yi)個確定(ding)的事件，可(ke)能是由于被(bei)(bei)保(bao)(bao)險人(ren)的意外事故或被(bei)(bei)保(bao)(bao)險人(ren)退保(bao)(bao)后(hou)的現金價值。

3、保障責任不同

定(ding)期壽(shou)險(xian)的(de)健(jian)康告(gao)知(zhi)、責任免(mian)除(chu)比終身壽(shou)險(xian)要寬(kuan)(kuan)松(song)一些，保(bao)險(xian)公司之所以這么做(zuo)有2方面(mian)的(de)原因：一是(shi)現在人們的(de)壽(shou)命越(yue)來越(yue)長，保(bao)險(xian)公司每(mei)年也會推出很(hen)多新產品；二是(shi)推出一些免(mian)責條款(kuan)寬(kuan)(kuan)松(song)的(de)產品，購買的(de)人多，賣的(de)火爆(bao)有利于保(bao)險(xian)公司的(de)長期發展。

終(zhong)身(shen)壽險(xian)(xian)(xian)的(de)(de)健康告知和(he)免責條款都比定(ding)期壽險(xian)(xian)(xian)要嚴(yan)格一些，但(dan)與大病保(bao)險(xian)(xian)(xian)和(he)醫療保(bao)險(xian)(xian)(xian)相比，還算是(shi)比較(jiao)寬松(song)的(de)(de)。畢竟，購買了終(zhong)身(shen)壽險(xian)(xian)(xian)，出險(xian)(xian)(xian)之后保(bao)險(xian)(xian)(xian)公司一定(ding)會(hui)賠付的(de)(de)，而且(qie)終(zhong)身(shen)壽險(xian)(xian)(xian)的(de)(de)覆蓋面更大，所以會(hui)更嚴(yan)格一些。

4、現金價值不同

現金(jin)價值就是保險(xian)公司在你退(tui)保時(shi)應該(gai)給你的(de)一筆(bi)錢(qian)，定(ding)期人壽(shou)保險(xian)的(de)保障(zhang)期從幾(ji)(ji)年到幾(ji)(ji)十年不等，并且杠桿比率很高，它(ta)的(de)現金(jin)價值非常低，幾(ji)(ji)乎可以忽略(lve)不計。

終身人(ren)壽的(de)(de)現金(jin)價(jia)值越長，金(jin)額就越高。被保險人(ren)可以選擇在適當的(de)(de)時候出于養老金(jin)或(huo)其他(ta)目(mu)的(de)(de)退出保險。它還可以給自(zi)己一個非常靈活(huo)的(de)(de)現金(jin)流(liu)，通過政策性貸款(kuan)來應(ying)對各種危(wei)機。

四、壽險買定期的還是終身的好

壽(shou)(shou)險是家(jia)庭(ting)責任和愛的(de)體(ti)現，購(gou)買壽(shou)(shou)險的(de)時(shi)候，很多(duo)朋友(you)都糾結于壽(shou)(shou)險買定期(qi)的(de)還是終身的(de)，那么(me)哪種人壽(shou)(shou)保險更好呢？

其實，壽險買哪種(zhong)(zhong)，主(zhu)(zhu)要看(kan)自己的需求，兩(liang)種(zhong)(zhong)壽險有一定的區別，購買時(shi)主(zhu)(zhu)要是(shi)根據年齡和經(jing)濟(ji)狀況來決(jue)定：

1、定期人壽保險對收(shou)入較低(di)而保險需(xu)求(qiu)高的(de)(de)人(ren)士(shi)更(geng)適合(he)，能(neng)花少(shao)量的(de)(de)錢(qian)，獲得更(geng)高的(de)(de)保障，適合(he)家(jia)庭經濟主要(yao)來(lai)(lai)源的(de)(de)經濟支(zhi)柱(zhu)；剛出來(lai)(lai)工作(zuo)，沒(mei)有(you)很(hen)多收(shou)入的(de)(de)年(nian)輕人(ren)；單親家(jia)庭且子女還很(hen)小，沒(mei)有(you)成人(ren)的(de)(de)；負債人(ren)群購買(mai)。

2、終身壽(shou)險對經濟收(shou)入穩定(ding)、有遺(yi)產規劃(hua)需求的人(ren)群更適(shi)合，包括(kuo)到了中年(nian)的家庭富裕型人(ren)士(shi)，希望身故后能給家人(ren)留一筆錢；終身壽(shou)險具(ju)有投資和保障兩大功(gong)能，有穩定(ding)投資需求的人(ren)群適(shi)合選。就算(suan)保險期(qi)間急需資金(jin)的話，可通過保單貸款的方式(shi)來實現(xian)資金(jin)的周(zhou)轉。