一、什么是人壽保險

人(ren)(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)是人(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的一種，以(yi)被(bei)(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的壽(shou)命為保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的，且(qie)以(yi)被(bei)(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的生存或死(si)亡為給付條件的人(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。和所(suo)有保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業務一樣，被(bei)(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)將風(feng)險(xian)(xian)(xian)轉嫁(jia)給保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)，接受(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的條款(kuan)并支付保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費。與其他保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)不(bu)同的是，人(ren)(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)轉嫁(jia)的是被(bei)(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的生存或者死(si)亡的風(feng)險(xian)(xian)(xian)。

二、人壽保險保障范圍

人壽(shou)保(bao)險(xian)(xian)(xian)(xian)是(shi)人身(shen)保(bao)險(xian)(xian)(xian)(xian)的(de)(de)一種，以被保(bao)險(xian)(xian)(xian)(xian)人的(de)(de)壽(shou)命為保(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)，且以被保(bao)險(xian)(xian)(xian)(xian)人的(de)(de)生存(cun)或死(si)亡為給付條件的(de)(de)人身(shen)保(bao)險(xian)(xian)(xian)(xian)。也(ye)就(jiu)是(shi)說被保(bao)險(xian)(xian)(xian)(xian)人發生保(bao)險(xian)(xian)(xian)(xian)事故時，保(bao)險(xian)(xian)(xian)(xian)人會支付保(bao)險(xian)(xian)(xian)(xian)費。

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)(ding)期(qi)人壽保(bao)(bao)險(xian)(xian)就是(shi)約定(ding)(ding)一個保(bao)(bao)險(xian)(xian)期(qi)限(xian)，如果(guo)被保(bao)(bao)險(xian)(xian)人在約定(ding)(ding)期(qi)限(xian)里死亡(wang)，保(bao)(bao)險(xian)(xian)公司(si)(si)會向(xiang)保(bao)(bao)險(xian)(xian)受(shou)益(yi)人賠(pei)付(fu)(fu)保(bao)(bao)險(xian)(xian)金；如果(guo)被保(bao)(bao)險(xian)(xian)人沒有在約定(ding)(ding)期(qi)限(xian)里死亡(wang)，那么也(ye)就這樣了(le)，保(bao)(bao)險(xian)(xian)公司(si)(si)既不(bu)(bu)進行賠(pei)付(fu)(fu)，也(ye)不(bu)(bu)退還(huan)保(bao)(bao)費。

2、終身人壽：終(zhong)身人壽保(bao)險(xian)是(shi)在(zai)被(bei)保(bao)險(xian)人死(si)亡之(zhi)后，保(bao)險(xian)公司向保(bao)險(xian)受益人進行賠(pei)付的保(bao)險(xian)，但(dan)是(shi)終(zhong)身人壽保(bao)險(xian)沒有(you)約(yue)定期限。由于人是(shi)一(yi)定會(hui)死(si)的，所以保(bao)險(xian)公司最(zui)終(zhong)一(yi)定會(hui)進行賠(pei)付。

3、生存保險：生存保(bao)(bao)險(xian)要求被保(bao)(bao)險(xian)人(ren)一定(ding)要活到之(zhi)前約定(ding)的期限。如果(guo)在到期之(zhi)前，被保(bao)(bao)險(xian)人(ren)就死亡了(le)，那么保(bao)(bao)險(xian)公司既不會進行賠償(chang)，也不會退回保(bao)(bao)費。

4、生死兩全：生死兩全保(bao)險(xian)(xian)(xian)(xian)(xian)是將(jiang)定期(qi)人(ren)(ren)壽保(bao)險(xian)(xian)(xian)(xian)(xian)和生存(cun)保(bao)險(xian)(xian)(xian)(xian)(xian)進行組合(he)之后得到的(de)保(bao)險(xian)(xian)(xian)(xian)(xian)。如(ru)果被保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)在約定的(de)期(qi)限里(li)死亡，保(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司會向保(bao)險(xian)(xian)(xian)(xian)(xian)受(shou)益(yi)人(ren)(ren)進行賠付；如(ru)果被保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)活(huo)到了約定期(qi)限結束，保(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司會向被保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)發放生存(cun)金。

5、養老保險：養老保險是將生存保險和死亡(wang)保險進行組合之后得到的保險。不管(guan)被保險人在約定(ding)期限里是死是活，保險公司都(dou)會進行相(xiang)應的賠付。

四、買人壽保險好不好

人壽保險值得購買(mai)，因(yin)為它(ta)是一種保(bao)(bao)障。或許有人(ren)(ren)認為，今天生(sheng)活(huo)很幸(xing)福、太平，然(ran)而(er)人(ren)(ren)們卻忽(hu)略了(le)一點，即意(yi)外的(de)發生(sheng)。如果沒有保(bao)(bao)險(xian)，人(ren)(ren)們在(zai)發生(sheng)意(yi)外時就(jiu)會茫然(ran)無助，不知所措。人(ren)(ren)壽(shou)保(bao)(bao)險(xian)就(jiu)是累積千(qian)千(qian)萬萬人(ren)(ren)的(de)財力(li)，結成一個抵御化解風險(xian)的(de)大集體。

五、年輕人要不要購買

年(nian)輕(qing)人購買壽險(xian)(xian)主要是在擁有明確的(de)(de)保(bao)障(zhang)(zhang)利益(yi)的(de)(de)條件(jian)下，希望獲取(qu)財務(wu)保(bao)障(zhang)(zhang)以免發(fa)生災(zai)難(nan)的(de)(de)事故。壽險(xian)(xian)實質(zhi)上不(bu)(bu)是用(yong)來(lai)保(bao)障(zhang)(zhang)自己(ji)，是為了(le)防止有一天自己(ji)不(bu)(bu)在了(le)，父母晚年(nian)不(bu)(bu)會(hui)因(yin)為生活費發(fa)愁(chou)，孩(hai)子不(bu)(bu)會(hui)因(yin)為未來(lai)的(de)(de)教(jiao)育費用(yong)發(fa)愁(chou)、配偶不(bu)(bu)會(hui)因(yin)為生活費而(er)發(fa)愁(chou)。因(yin)此，年(nian)輕(qing)朋友在配置好疾病保(bao)障(zhang)(zhang)的(de)(de)情況下，如果(guo)經濟條件(jian)允許，可以考(kao)慮(lv)配置一份壽險(xian)(xian)保(bao)障(zhang)(zhang)。

六、人壽保險多少歲不能買

每種險種都有自己的投保規(gui)則(ze)，對(dui)(dui)于年齡的限制，都不一樣(yang)。一般情況下，對(dui)(dui)于壽險規(gui)劃，60歲，基本就是上線了。

七、人壽保險一年多少錢

人壽保(bao)險一年交多少(shao)錢(qian)和具體的產品(pin)、保(bao)額(e)、保(bao)障(zhang)期限以及繳(jiao)費方式有關(guan)，所以沒有一個固(gu)定的數字(zi)，具體情況還是要具體分析。

八、人壽保險投保注意事項

1、選擇合(he)法正規的保(bao)險(xian)(xian)公司(si)購(gou)買保(bao)險(xian)(xian)，購(gou)買保(bao)險(xian)(xian)前要(yao)查(cha)看保(bao)險(xian)(xian)銷售從(cong)業人(ren)員資格證書、執業證書或自(zi)己(ji)登(deng)錄保(bao)險(xian)(xian)中(zhong)介(jie)監管信息系統查(cha)詢(xun);

2、簽訂(ding)合同(tong)時要認真查看合同(tong)書上(shang)的保(bao)險(xian)責(ze)任和(he)免除(chu)責(ze)任，特別要注意保(bao)費繳納(na)要求、退保(bao)事項，了解(jie)購買(mai)保(bao)險(xian)后享有(you)的權(quan)利和(he)應承(cheng)擔的義務;

3、要選擇合適自己的保(bao)(bao)(bao)(bao)險投(tou)保(bao)(bao)(bao)(bao)，保(bao)(bao)(bao)(bao)險不(bu)是越(yue)貴越(yue)好(hao)，投(tou)保(bao)(bao)(bao)(bao)人要根據自身要求(qiu)選擇險種，以不(bu)給個人和家庭(ting)帶(dai)來(lai)過重(zhong)的經濟壓力(li)，并且能滿足保(bao)(bao)(bao)(bao)障需求(qiu)為(wei)標(biao)準;

4、繳納保(bao)險費(fei)用及其他相關費(fei)用時，要向保(bao)險公司索要發票(piao)并(bing)妥(tuo)善保(bao)管，出現糾紛時可以(yi)作為憑證(zheng)。

九、人壽保險理賠

當被保險人因疾病或者意外而身(shen)故，或者自然死(si)亡之后，就可以(yi)去向(xiang)保險公司(si)申請理賠，而保險公司(si)就會根據合同(tong)約定(ding)賠償身(shen)故保險金。

除(chu)此之(zhi)外，因(yin)為不少(shao)壽險產品還包含有(you)全(quan)殘保(bao)障，所(suo)以當被保(bao)險人因(yin)意外或者疾病全(quan)殘之(zhi)后，也(ye)是可以去向(xiang)保(bao)險公司申(shen)請理賠(pei)的(de)，而(er)保(bao)險公司也(ye)會根據合(he)同約定來賠(pei)償全(quan)殘保(bao)險金。