YOLO ride the wind 'non-caustic, high-rises term insurance

There is a high non-caustic term insurance are rising while continuing [Korea gimmingyeong financial newspaper reporter] recession flagship product gyeokin alternative to life insurance life insurance. Because they silsokpa insurance consumers increasingly want to prepare for the future is closer than the distant future can not be seen as reasonable. In particular, it has become "one life to live, and live to be like 'is' YOLO (You Only Live Once)' popularity to the younger generation to live a life.

◇ VS life insurance term insurance

Life insurance is therefore guaranteed to death without a fixed deadline to receive once, but life insurance is much higher maintain long payment period premium hard goods. Unless you sign up for the purposes of inheritance we grow older and have less need for a death benefit for survivors, there are disadvantages that the currency devaluation by inflation when taking the insurance money after a few decades.

Regular insurance is life insurance premiums compared to products subject to guaranteed death select the time period you want to ensure low as 08.01 level. When the two had a sudden death in the active phase, while faithful to the economic functions that ensure the livelihoods of families can prepare for risks at a reasonable premium. Because of this guarantee period will last after you are receiving the attention of yolro Group (YOLO) put the value of the current shortcomings in the more distant future, you can not get insurance death.

Term insurance is still a low awareness and low subscription rate is driven by a solid piece stronghold of life insurance to. According to Statistics Korea Insurance Development Institute Term insurance is the number of new contracts was found stuck in about 3% of the total for the third consecutive year. Over 2015 domestic regular insurance new contract number is only about 12% of the total 252,147 cases life insurance (20600000356 cases).

On the other hand, online insurance industry is focusing on term insurance sales.

Because the regular insurance market premium is not actively sold "blue ocean" in operating expenses and insurance agents fees low, as low as face-to-face channels. Internet life insurer Kyobo Life Planet, including MAS, Shinhan Life Insurance, Hanwha Life Insurance, Samsung Life, being sold for a life change, such as more than 10 life insurance companies in the online term insurance. Online insurance is low in the middle of no distribution costs, such as architects fees and rental stores in the form of direct consumers to sign up premiums. Some products provide additional premium discount of up to 41% depending on the state of health of customers equipped with a non-smoker discounts, and discounts geongangche.

CM Channel 1 regular domestic insurance sales proportion of the total 10 kinds of insurance, if the above lifestyle planet appeared to be the highest with 25.1% (as of late 2016). 2016 Based on initial monthly payment of regular insurance premiums (insurance premiums that the first round of new policyholders) has increased by approximately 57.6% compared to the previous year 100,007,700 million won a total of 200,007,900 million won.

◇ Life Insurance VS 'term insurance + pension insurance "

Insurance experts recommend how to choose the cheapest term insurance instead of lifting the life insurance of large and ahkkin join additional pension savings insurance and pension insurance as free money. After the child's independence has lowered the need for a death benefit of the parents, because rather increases the importance of the old year.

Thus retirement age or children of an independent group of 60 to up to 65 years term insurance to "economic active phase premature death, compared, and if you join the pension products in preparation for the 'long live risk' of surviving after the expiration time of death guarantees and old age security in You can catch two rabbits.

By comparison, when you sign up for when you sign up for life insurance based on the products and the Planet Life term insurance and pension savings at the same time it reveals the difference. For example, 40-year-old pyojunche (smokers) men if you sign up for life insurance guarantee of 60 years maturity, killed 100 million won to 20 years pay premiums January monthly payment is 193,500 won. May you when you sign up to a regular insurance is 23,500 won can be guaranteed the same death.

With the money to join a tenured insurance to term insurance, and ahkkin about than to join the 170,000 won on pension savings insurance for old age, when aged 60 due termination of refunds is terminated rebate at the time of whole life insurance, such as approximately 55,260,000 won 50.73 million won higher than 500 yuan. March, but based on current published rate (3.30%) it is higher than the approximately 500,000 won termination of life insurance rebate, even if calculated with the minimum guaranteed interest rate (1.00%).

Life Planet officials' recent Life insurance products with a prepaid-type products and pension switching riders that a portion paid before the death benefit as a Receiving difficult shortcomings highlight your survival when benefits have emerged, saying, "If possible, pension for life insurance If you switch to the regular insurance and it is recommended to join a reserve for the case to join the pension products towards more favorable to compare each 'he advised.



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