一、定期人壽是什么意思

定(ding)(ding)期人壽(shou)(shou)和終身人壽(shou)(shou)都是(shi)人壽(shou)(shou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，是(shi)一種(zhong)以(yi)被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的生(sheng)命為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的，以(yi)被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的生(sheng)存或(huo)死(si)亡(wang)為(wei)支(zhi)付條件的保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。定(ding)(ding)期人壽(shou)(shou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)是(shi)指(zhi)在(zai)(zai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)約(yue)定(ding)(ding)的期間內，如果被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人死(si)亡(wang)或(huo)全(quan)殘，則(ze)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司按照約(yue)定(ding)(ding)的保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)額給付保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)，若(ruo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)期限屆(jie)滿被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人健在(zai)(zai)，則(ze)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)自然(ran)終止，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司不(bu)再承擔保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)責任(ren)，并(bing)且不(bu)退回(hui)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費。

二、終身人壽是什么意思

終(zhong)身(shen)(shen)壽險(xian)(xian)(xian)(xian)是指不定期的(de)死亡保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同(tong)訂(ding)立后，被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)無論(lun)何(he)時(shi)死亡，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)均(jun)應給付保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金。只要被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)按期交(jiao)納保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)無權拒絕續保(bao)(bao)(bao)(bao)。按交(jiao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)的(de)方(fang)式不同(tong)，終(zhong)身(shen)(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)分(fen)為(wei)終(zhong)身(shen)(shen)交(jiao)費(fei)之終(zhong)身(shen)(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)，定期交(jiao)費(fei)之終(zhong)身(shen)(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)和一次交(jiao)費(fei)的(de)終(zhong)身(shen)(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(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

定期人壽是消(xiao)費型的保(bao)險，到了保(bao)險的保(bao)障(zhang)期限，如果被保(bao)險人還健在的話，保(bao)費就(jiu)消(xiao)費掉了不(bu)會退還，這類壽險通常比(bi)較便宜(yi)，不(bu)喜歡了可以更換，對于消(xiao)費者來說(shuo)比(bi)較靈活。

終身(shen)壽(shou)險(xian)相(xiang)當(dang)于(yu)一份長(chang)期儲蓄(xu)，不管怎樣(yang)，保費(fei)都會返還(huan)到(dao)受益人(ren)手(shou)上(shang)。保費(fei)自(zi)然要比(bi)定(ding)期壽(shou)險(xian)要一些，而且隨著(zhu)年齡(ling)的增長(chang)，保費(fei)也會慢慢變高。在(zai)相(xiang)同繳費(fei)期限以(yi)及相(xiang)同保障(zhang)額度情(qing)況下，終身(shen)壽(shou)險(xian)比(bi)定(ding)期壽(shou)險(xian)幾乎貴十(shi)倍(bei)。

2、保障期限不同

定(ding)期(qi)人(ren)壽保險(xian)(xian)可(ke)保10年(nian)(nian)(nian)、20年(nian)(nian)(nian)、30年(nian)(nian)(nian)或60年(nian)(nian)(nian)、70年(nian)(nian)(nian)等(deng)。如果(guo)被保險(xian)(xian)人(ren)在(zai)保險(xian)(xian)單規定(ding)的期(qi)限內死亡(wang)，受益人(ren)可(ke)以根(gen)據(ju)合同(tong)領取保險(xian)(xian)金(jin)。如果(guo)超過此期(qi)限，不能獲得理賠(pei)。

終身壽險(xian)是覆(fu)蓋被保(bao)險(xian)人生命的終身保(bao)障：對被保(bao)險(xian)人來說，理賠是一個(ge)確定的事(shi)件，可能是由(you)于被保(bao)險(xian)人的意外事(shi)故或被保(bao)險(xian)人退保(bao)后的現(xian)金價值。

3、保障責任不同

定期壽(shou)險(xian)的(de)健康告(gao)知、責任免除比終身壽(shou)險(xian)要寬松一(yi)些(xie)，保險(xian)公(gong)(gong)司之所以這么(me)做有2方(fang)面的(de)原(yuan)因：一(yi)是現在人們的(de)壽(shou)命越(yue)來越(yue)長，保險(xian)公(gong)(gong)司每年也會推(tui)(tui)出很多新產品(pin)；二是推(tui)(tui)出一(yi)些(xie)免責條款寬松的(de)產品(pin)，購買的(de)人多，賣的(de)火(huo)爆有利于保險(xian)公(gong)(gong)司的(de)長期發(fa)展。

終身(shen)(shen)壽(shou)險(xian)(xian)的健(jian)康(kang)告知和(he)(he)免責條款都(dou)比定(ding)期壽(shou)險(xian)(xian)要嚴(yan)格(ge)一(yi)些，但與大病保(bao)險(xian)(xian)和(he)(he)醫療保(bao)險(xian)(xian)相比，還算是(shi)比較寬松(song)的。畢竟(jing)，購(gou)買(mai)了終身(shen)(shen)壽(shou)險(xian)(xian)，出險(xian)(xian)之后保(bao)險(xian)(xian)公司一(yi)定(ding)會(hui)賠付的，而且(qie)終身(shen)(shen)壽(shou)險(xian)(xian)的覆蓋面更大，所以會(hui)更嚴(yan)格(ge)一(yi)些。

4、現金價值不同

現金(jin)價值(zhi)就是保險(xian)公司在你退(tui)保時應(ying)該給你的(de)(de)一筆(bi)錢，定期(qi)人壽保險(xian)的(de)(de)保障(zhang)期(qi)從幾(ji)年(nian)到幾(ji)十年(nian)不(bu)等，并且(qie)杠桿比率(lv)很高，它的(de)(de)現金(jin)價值(zhi)非常低(di)，幾(ji)乎(hu)可以忽略不(bu)計。

終身(shen)人壽的(de)現金(jin)價(jia)值越(yue)長(chang)，金(jin)額就越(yue)高(gao)。被保險(xian)(xian)人可以選擇在適當的(de)時候出(chu)于(yu)養老金(jin)或(huo)其(qi)他目(mu)的(de)退出(chu)保險(xian)(xian)。它(ta)還可以給自己一(yi)個非常靈活的(de)現金(jin)流，通過政策(ce)性(xing)貸款來應(ying)對各種危機。

四、壽險買定期的還是終身的好

壽險(xian)是(shi)家庭(ting)責任和(he)愛的體現(xian)，購買壽險(xian)的時候(hou)，很多朋友都(dou)糾結于壽險(xian)買定期的還是(shi)終身的，那么哪種人(ren)壽保險(xian)更好(hao)呢？

其實，壽險(xian)買(mai)哪種，主要看自(zi)己(ji)的(de)需求(qiu)，兩(liang)種壽險(xian)有一定(ding)的(de)區(qu)別，購買(mai)時主要是(shi)根據年齡和(he)經(jing)濟狀(zhuang)況來決(jue)定(ding)：

1、定期人壽保(bao)險(xian)對收(shou)入較(jiao)低而保(bao)險(xian)需求高的(de)(de)人士(shi)更(geng)適合，能(neng)花少量的(de)(de)錢(qian)，獲(huo)得(de)更(geng)高的(de)(de)保(bao)障，適合家庭經濟主要來(lai)源的(de)(de)經濟支柱；剛出來(lai)工作(zuo)，沒有(you)很多(duo)收(shou)入的(de)(de)年(nian)輕人；單親家庭且子女(nv)還很小，沒有(you)成人的(de)(de)；負債人群購買。

2、終(zhong)(zhong)身壽(shou)險(xian)對經濟(ji)收入穩定(ding)、有遺產規劃需求的人群(qun)更適(shi)合，包括(kuo)到了中年的家庭富(fu)裕型人士，希望身故(gu)后能(neng)給(gei)家人留一筆(bi)錢；終(zhong)(zhong)身壽(shou)險(xian)具有投(tou)資和保(bao)(bao)障兩大功能(neng)，有穩定(ding)投(tou)資需求的人群(qun)適(shi)合選。就算保(bao)(bao)險(xian)期(qi)間急需資金的話，可通過(guo)保(bao)(bao)單貸款的方式來實現資金的周(zhou)轉(zhuan)。