태아보험 만기 설정 펙트만 말씀 드릴게요..(30세만기vs100세만기)

보험탈출구

19 Apr 202305:52

Summary

TLDRThis video script discusses the intricacies of choosing the maturity term for a prenatal insurance policy. It advises viewers to consider the changing insurance market trends, the availability of contract conversion options regardless of medical history, and the significant cost difference between 30-year and 100-year maturity terms. The speaker advocates for a 30-year term, highlighting the potential for insurance remodeling in the future and the opportunity cost of the substantial monthly savings.

Takeaways

🤰 The script discusses the process of subscribing to fetal insurance, emphasizing the importance of resolving issues before moving forward with consultation and enrollment.
📅 It highlights the decision between setting the policy term to maturity at age 30 or 100, suggesting that viewers will no longer need to worry about this decision after watching the video.
📝 The script provides an objective perspective, focusing on facts rather than subjective opinions or common narratives found on YouTube.
🔍 It explains the unique structure of fetal insurance, which includes three main components: diagnostic fees, sequelae surgery fees, and long-term and short-term coverage for specific conditions.
💡 The video introduces a strategy of mixing term lengths for different types of coverage, with a 100-year term for long-term needs and a 30-year term for short-term needs.
💼 The presenter argues for a 30-year term, citing the rapid changes in the insurance market and the possibility of needing to remodel insurance plans in the future.
🏥 The script mentions the 'contract conversion system', which allows for changing the term from 30 years to 100 years without being affected by medical history.
💸 It discusses the cost difference between a 30-year term and a 100-year term, suggesting that the savings could be better utilized for other benefits for the child.
📈 The presenter encourages viewers to consider the opportunity cost of choosing a 100-year term over a 30-year term, suggesting that the money saved could be invested in other valuable assets.
📲 The video concludes with a call to action for viewers to subscribe to the channel for more informative videos on fetal insurance and to contact the insurance exit channel for consultation and application.

Q & A

What is the main topic discussed in the transcript?
-The main topic discussed in the transcript is the consideration of whether to set the maturity of fetal insurance to 30 years or 100 years.
What are the three major components that make up fetal insurance according to the transcript?
-The three major components that make up fetal insurance are: 1) long-term diagnostic fees, 2) long-term postnatal disability surgery fees, and 3) short-term special guarantees that are only needed when the child is young.
What is the 'insurance exit strategy' mentioned in the transcript?
-The 'insurance exit strategy' is a method mentioned in the transcript where insurance needed until adulthood is set to mature at 100 years, and insurance only needed when young is set to mature at 30 years, creating a mixed design.
Why does the speaker suggest considering a 30-year maturity for fetal insurance?
-The speaker suggests considering a 30-year maturity because the insurance market has changed significantly in recent years, and there is a high likelihood that insurance will need to be remodeled in the future. Additionally, the cost difference between 30-year and 100-year maturities is substantial, which could be better utilized for other benefits for the child.
What is the 'contract conversion system' referred to in the transcript?
-The 'contract conversion system' is a system that allows for the conversion of a 30-year maturity fetal insurance policy to a 100-year maturity policy at the age of 30, regardless of any medical history.
What is the potential issue with setting the maturity of fetal insurance to 100 years?
-The potential issue with setting the maturity of fetal insurance to 100 years is the high insurance cost and the possibility that the insurance may become outdated or unnecessary as the child grows up and the insurance market evolves.
What is the speaker's stance on the opportunity cost of choosing a 100-year maturity for fetal insurance?
-The speaker believes that the opportunity cost of choosing a 100-year maturity for fetal insurance is high, as the money saved by choosing a 30-year maturity could be invested in other valuable assets or used for the child's education or other benefits.
What is the importance of the 'opportunity cost' in the context of the transcript?
-In the context of the transcript, the 'opportunity cost' refers to the potential benefits or value that could be lost by choosing one option (100-year maturity) over another (30-year maturity), such as the possibility of investing the saved money in other beneficial ways.
What is the role of the 'Insurance Exit Strategy' channel in the context of the transcript?
-The 'Insurance Exit Strategy' channel is mentioned as a source of useful videos related to fetal insurance, suggesting that viewers subscribe to it for more information and guidance on insurance decisions.
What advice does the speaker give regarding the decision-making process for fetal insurance?
-The speaker advises viewers to carefully consider the options, think about the opportunity cost, and make informed decisions based on accurate and objective information, emphasizing the importance of selection and concentration over indiscriminate insurance purchases.

Outlines

00:00

🤰 Fetal Insurance Considerations

The script discusses the process of subscribing to fetal insurance, emphasizing the importance of understanding the policy before subscribing. It highlights the need to choose between maturity at age 30 or 100, and suggests focusing on objective facts rather than subjective stories. The speaker promises to provide accurate facts to help viewers make an informed decision about the maturity setting for fetal insurance. The script also explains the unique components of fetal insurance, which include long-term and short-term coverages, such as diagnostic fees, postnatal disability surgery fees, and other specific needs that may arise during childhood. The speaker critiques the common approach of setting the maturity to 100 years, suggesting that it may not be necessary given the rapid changes in the insurance market and medical policies. Instead, the speaker recommends considering the maturity at age 30 due to the flexibility of the insurance conversion system and the potential savings that could be invested elsewhere for the child's benefit.

05:03

📈 Strategic Insurance Purchasing

The second paragraph focuses on the strategy of insurance purchasing, advocating for careful selection over indiscriminate subscription. It stresses the importance of maintaining insurance as a top priority and the need for a thoughtful approach to insurance choices. The speaker commits to providing accurate and objective information, even if it means delivering content at a slower pace. The script concludes with a promise to continue offering valuable insurance-related content and encourages viewers to subscribe for more informative videos. It also suggests contacting the insurance channel for personalized consultation and design.

Mindmap

Keywords

💡Fetus Insurance

Fetus insurance is a type of insurance policy designed to cover medical expenses for unborn children. In the context of the video, it is discussed as an investment for parents to secure medical care for their future child. The script mentions that without resolving issues related to this insurance, one cannot proceed from consultation to enrollment.

💡Maturity

In insurance terms, maturity refers to the end date of the policy's coverage. The video discusses the decision between setting the maturity at age 30 or age 100 for fetus insurance, which is a significant consideration for parents as it affects the policy's cost and coverage duration.

💡Consultation

Consultation in the script refers to the process of seeking professional advice before deciding on an insurance policy. It is highlighted as a necessary step before enrollment into a fetus insurance plan, emphasizing the importance of informed decision-making.

💡Diagnosis Fee

This term from the script refers to the medical costs associated with diagnosing conditions. In the context of fetus insurance, it is one of the major components covered by the policy, highlighting the financial protection it offers for prenatal care.

💡Long-term Care

Long-term care in the script pertains to the ongoing medical needs that an individual might have throughout their life. The video discusses how fetus insurance is structured to cover both long-term and short-term medical needs, which is a unique aspect of such policies.

💡Insurance Premium

The insurance premium is the amount paid periodically to keep an insurance policy active. The script contrasts the premiums for a 30-year maturity plan versus a 100-year maturity plan, indicating the financial implications of the maturity choice.

💡Conversion System

The conversion system mentioned in the script refers to the ability to switch from a 30-year maturity plan to a 100-year plan at a later date. This system provides flexibility and is presented as a reassurance to parents who might be concerned about future health issues affecting their child's insurance eligibility.

💡Medical History

Medical history is discussed in the context of how it might affect an individual's ability to obtain new insurance coverage. The script clarifies that the conversion system for fetus insurance is independent of medical history, alleviating concerns about future health conditions.

💡Opportunity Cost

Opportunity cost in the script is used to compare the value of investing in a 100-year maturity insurance plan versus using the money for other potential benefits for the child. It suggests that the money saved could be better spent on other valuable investments or needs.

💡Insurance Enrollment

Insurance enrollment is the process of officially signing up for an insurance policy. The video encourages viewers to carefully consider their options and make informed decisions when enrolling in fetus insurance, emphasizing the importance of selecting the right plan.

💡Insurance Policy Design

The design of an insurance policy refers to how it is structured in terms of coverage and benefits. The script explains that fetus insurance is different from adult insurance, with a focus on covering specific needs of children, both in the short and long term.

Highlights

Choosing between 30-year or 100-year maturity in fetal insurance is crucial before proceeding with consultation and enrollment.

Fetal insurance requires a distinct structure compared to adult insurance, focusing on different riders such as major diagnosis, disability surgery, and specific early-life coverages.

The debate between 30-year and 100-year maturity is widely discussed, but a mixed design approach is often suggested.

Mixed plans: using a 30-year maturity for short-term needs and 100-year maturity for long-term needs, may be beneficial but cost significantly more.

If given a choice, I would choose the 30-year maturity plan due to three key reasons: adaptability, cost-effectiveness, and future insurance remodeling.

The insurance market has changed dramatically over the past 5 years with new riders, changes in product structure, and medical policy adjustments.

Long-term riders may be rendered outdated as medical policies, diseases, and inflation shift in the next 20-30 years, suggesting insurance remodeling will be necessary.

Some fear of insurance re-enrollment at age 30 due to pre-existing medical conditions is addressed with the 'contract conversion system' allowing a transition to 100-year plans.

The contract conversion system ensures most riders can be converted without consideration of medical history at age 30.

The cost difference between a 30-year and 100-year plan is nearly 40,000 KRW per month, highlighting a significant price gap.

The opportunity cost of paying 40,000 KRW more per month could be better invested in options like stocks, education funds, or housing deposits.

A 30-year maturity offers more flexible and advantageous financial planning compared to a 100-year maturity.

Parents should consider the long-term value and opportunity cost rather than just the immediate coverage benefits.

For parents still undecided, focus on evaluating who benefits from each decision and their long-term financial implications.

Accurate and objective information is crucial when making insurance decisions, rather than following commonly discussed methods on platforms like YouTube.