태아보험 만기 설정 펙트만 말씀 드릴게요..(30세만기vs100세만기)
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
🤰 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.
📈 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
💡Maturity
💡Consultation
💡Diagnosis Fee
💡Long-term Care
💡Insurance Premium
💡Conversion System
💡Medical History
💡Opportunity Cost
💡Insurance Enrollment
💡Insurance Policy Design
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.
Transcripts
이 태아보험을 가입하려는 분들이라면이 부분 해결 안 되면
태아보험 상담부터 가입까지 진행할 수가 없습니다 바로
30세에 만기로 할지 100세에 만기로 할지이 부분인데요
유튜브에서 나오는 뻔한 이야기 말고요 본인의 주관적 이야기
본인 이득되는 방향 말고요 객관적인 근거하에 정확하게
팩트만 말씀드리도록 하겠습니다 아마 오늘 영상 끝까지 시청하시면이
태아보험 만기 설정에 대한 고민은 더 이상 하실 필요 없을 겁니다
손해보험협회 심의필 제 118573호 2024-03-22~2025-03-21
우선 태아보험에서 구성하는 특약들을 봐야 됩니다이 성인보험과는
구성방법이 아예 다르기 때문인데요이 태아보험에서는 크게 3대 진단비
후유장애 수술비 이렇게 우리가 살아가면서
장기적으로 성인 여러가지 필요한 특약들과 이렇게
소화한 보장 특약 이번 일당 어릴 때 발생 확률이
높은 것들 천천히상 보장 특약들 이렇게 아가가 어릴 때만 필요한
특약들이 태아보험의 특성상 이렇게 장기적으로 가져갈 것들과
단기적으로 가져갈 것들 이렇게 두 가지를 같이
구성을 합니다 그런데이 모든 것들을 100세 만기로
할 필요가 있을까요 이미 유튜브에서 많이 알려져 있는
방식입니다 보험 탈출구에서 최초로 유튜브에서 공개한
방법인데 성인 때까지 필요한 것들은 100세
만기로 어릴 때만 필요한 것들은 30세 만기로 이렇게
혼합설계하는 방식이 있습니다이 방법도 좋은
방법이긴 하지만 보험 탈출구 추천 플랜 기준
30세 만기 태아보험은 현재
출생 후 보험료 기준 29,850원
30세 만기 플러스 100세 만기 설계하는
67,5 월 보험료가 4만원 가까이 차이가
나는데요 두 가지 모두 합리적인 방법이긴 하지만 만약 저에게
선택권이 주어진다고 하면 저는 30세 만기로 할 것 같습니다 이유를
세 가지 정도를 말씀드리면 첫 번째 하나의 보험으로
100세까지이 보험 시장의 트렌드를 보면 최근 5년만 보더라도 많이
바뀌었습니다 신규 특약도 출시가 많이 되었고 상품
구조도 많이 바뀌었어요 또한 의학정책의 변동
새로운 질병에 출연 화폐가치의 하락 등으로 나중에 우리
아이가 성인이 됐을 때 20년 30년 후에는 보험을
리모델링 할 가능성이 높을 수밖에 없다는 거예요 그럼에도
굳이 높은 보험료를 내면서 100세만기로 가입할 필요가 있을까요
두 번째이 부분이 걱정되실 겁니다 30세 만기로 했다가 나중에
병력 사항 때문에 추후 아이가
30세가 이 만기 시점에 신규보험 가입이 제한된다면이
부분으로 100세만기를 가입해야 한다고 주장하시는 분들이 일부
있는데요 제가 확인된 내용만으로 팩트만의 말씀을 드리면
계약 전환제도라는게 있습니다 30세 만기 시점에 100세만기로
전환을 할 수 있는 제도구요 대부분의 특약이 전환이 가능합니다 그리고
중요한 부분 병력유무 관계없이 전환이 가능합니다이
물속에서 수영을 할 때 구명조끼가 있는 것처럼
30세 만기태아 보험에서도 계약전환 제도라는 안전장치를
구축을 해 두었네요 걱정 안하셔도 되겠죠 마지막 세 번째
제가 자주 말씀드리는 BL 비용인데요 100세만기로
하는 비용 30세 만기로 하는 비용
월 보험료 차이가 4만원 가까이 차이가 나는데
월 4만원씩 20년이 비용으로 우리 자녀에게 해줄 수 있는 부분이
무궁무진 할 겁니다 삼성전자 주식을 사줄 수도 있고요
아이 교육비용을 쓸 수도 있고요 청약통장을 가입해 줄 수도 있습니다
제 생각에는 100세만기로 태아보험을 가입해주는 것보다
방금 언급드렸던 부분이 기회비용에 있어서 그 비용 가치가 더
높다고 생각을 해요 태아보험 30세 만기 100세 만기
만기 설정에 대한 이야기를 오늘 드렸는데 아직도
고민되시는 분들은이 부분을 잘 생각해 보시길 바랍니다 만약 두 가지의
주장이 엇갈릴 때 판단이 어렵다면
의견을 내세우는 자가 얻을 수 있는 가치를 한번 생각을 해
보시길 바랍니다 저희 보험 탈출구 영상 구독하시면
태아보험 관련 유익한 영상들 정말 많으니까요
구독하셔서 영상 꼭 시청하시고 좋은 대화보험
가입하시길 바랍니다 좋은 담당자 좋은 설계를 받고 싶으시다면 저희 보험
탈출구 카카오 채널을 통해서 문의 주셔야 되고요 위에 번호로 연락
주셔서 상담신청해 주셔도 됩니다 오늘 영상 여기까지 하겠습니다
다음에 더 유익한 영상으로 다시 찾아뵙겠습니다
감사합니다 보험 가입이 있어서 유지가 1순위에 목표가 되어야 하고요
무분별적으로 가입하시기 보다는 선택과 집중이 필요로 합니다 보험 가입도
선택의 연속입니다 선택을 잘 하셔야 보험도 잘 가입하시는 거예요 저희는
앞으로도 정확하고 객관적인 정보만을 전달드리기 위해서 번거롭더라도 조금
느리더라도 정확한 정보만을 전달드리려 항상 최선을 다하도록 하겠습니다
[음악]
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