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情景设置:
小王,男,28岁,计划为自己的养老做一份不从计划
| 保险单年度 |
年末已达年龄 |
保险费(年初) |
费用 |
部分领取 |
持续奖金 |
个人账户价值(年末) |
现金价值,即退保金(年末) |
年末身故给付/年末全残给付(至75岁) |
| 年度期交保险费 |
追加保险费 |
累计已缴保险费 |
保单初始费用 |
风险保险费 |
保单管理费 |
低档演示 |
中档演示 |
高档演示 |
低档演示 |
中档演示 |
高档演示 |
低档演示 |
中档演示 |
|
| 1 |
29 |
10,000 |
0 |
10,000 |
1,850 |
71 |
90 |
0 |
0 |
8,231 |
8,392 |
8,553 |
7,408 |
7,553 |
7,698 |
68,231 |
68,392 |
|
| 2 |
30 |
10,000 |
0 |
20,000 |
1,100 |
73 |
90 |
0 |
0 |
17,479 |
17,989 |
18,506 |
16,081 |
16,550 |
17,026 |
77,479 |
77,989 |
|
| 3 |
31 |
10,000 |
0 |
30,000 |
800 |
75 |
90 |
0 |
0 |
27,312 |
28,380 |
29,474 |
25,673 |
26,677 |
27,706 |
87,312 |
88,380 |
|
| 4 |
32 |
10,000 |
0 |
40,000 |
650 |
78 |
90 |
0 |
0 |
37,591 |
39,443 |
41,367 |
36,087 |
37,865 |
39,712 |
97,591 |
99,443 |
|
| 5 |
33 |
10,000 |
0 |
50,000 |
650 |
83 |
90 |
0 |
0 |
48,173 |
51,055 |
54,088 |
47,210 |
50,034 |
53,006 |
108,173 |
111,055 |
|
| 6 |
34 |
10,000 |
10,000 |
70,000 |
1,000 |
89 |
90 |
0 |
100 |
69,110 |
73,480 |
78,126 |
69,110 |
73,480 |
78,126 |
129,110 |
133,480 |
|
| 7 |
35 |
10,000 |
10,000 |
90,000 |
1,000 |
95 |
90 |
0 |
100 |
90,668 |
97,019 |
103,840 |
90,668 |
97,019 |
103,840 |
150,668 |
157,019 |
|
| 8 |
36 |
10,000 |
10,000 |
110,000 |
1,000 |
103 |
90 |
0 |
100 |
112,865 |
121,726 |
131,346 |
112,865 |
121,726 |
131,346 |
172,865 |
181,726 |
|
| 9 |
37 |
10,000 |
10,000 |
130,000 |
1,000 |
112 |
90 |
0 |
100 |
135,719 |
147,660 |
160,767 |
135,719 |
147,660 |
160,767 |
195,719 |
207,660 |
|
| 10 |
38 |
10,000 |
10,000 |
150,000 |
1,000 |
122 |
90 |
0 |
100 |
159,247 |
174,880 |
192,237 |
159,247 |
174,880 |
192,237 |
219,247 |
234,880 |
|
| |
| 32 |
60 |
0 |
0 |
150,000 |
0 |
962 |
90 |
12,000 |
0 |
278,527 |
481,997 |
818,315 |
278,527 |
481,997 |
818,315 |
338,527 |
541,997 |
|
| 33 |
61 |
0 |
0 |
150,000 |
0 |
88 |
90 |
12,000 |
0 |
274,702 |
493,914 |
863,412 |
274,702 |
493,914 |
863,412 |
279,702 |
498,914 |
|
| 34 |
62 |
0 |
0 |
150,000 |
0 |
97 |
90 |
12,000 |
0 |
270,753 |
506,418 |
911,657 |
270,753 |
506,418 |
911,657 |
275,753 |
511,418 |
|
| 35 |
63 |
0 |
0 |
150,000 |
0 |
106 |
90 |
12,000 |
0 |
266,677 |
519,538 |
963,269 |
266,677 |
519,538 |
963,269 |
271,677 |
524,538 |
|
| 36 |
64 |
0 |
0 |
150,000 |
0 |
117 |
90 |
12,000 |
0 |
262,467 |
533,302 |
1,018,484 |
262,467 |
533,302 |
1,018,484 |
267,467 |
538,302 |
|
| 37 |
65 |
0 |
0 |
150,000 |
0 |
128 |
90 |
12,000 |
0 |
258,119 |
547,743 |
1,077,551 |
258,119 |
547,743 |
1,077,551 |
263,119 |
552,743 |
|
| 38 |
66 |
0 |
0 |
150,000 |
0 |
141 |
90 |
12,000 |
0 |
253,628 |
562,893 |
1,140,740 |
253,628 |
562,893 |
1,140,740 |
258,628 |
567,893 |
|
| 39 |
67 |
0 |
0 |
150,000 |
0 |
155 |
90 |
12,000 |
0 |
248,988 |
578,787 |
1,208,338 |
248,988 |
578,787 |
1,208,338 |
253,988 |
583,787 |
|
| 40 |
68 |
0 |
0 |
150,000 |
0 |
170 |
90 |
12,000 |
0 |
244,194 |
595,459 |
1,280,652 |
244,194 |
595,459 |
1,280,652 |
249,194 |
600,459 |
|
| 41 |
69 |
0 |
0 |
150,000 |
0 |
186 |
90 |
12,000 |
0 |
239,239 |
612,948 |
1,358,011 |
239,239 |
612,948 |
1,358,011 |
244,239 |
617,948 |
|
| 42 |
70 |
0 |
0 |
150,000 |
0 |
204 |
90 |
12,000 |
0 |
234,116 |
631,293 |
1,440,766 |
234,116 |
631,293 |
1,440,766 |
239,116 |
636,293 |
|
| 43 |
71 |
0 |
0 |
150,000 |
0 |
224 |
90 |
12,000 |
0 |
228,821 |
650,535 |
1,529,294 |
228,821 |
650,535 |
1,529,294 |
233,821 |
655,535 |
|
| 44 |
72 |
0 |
0 |
150,000 |
0 |
246 |
90 |
12,000 |
0 |
223,344 |
670,717 |
1,623,996 |
223,344 |
670,717 |
1,623,996 |
228,344 |
675,717 |
|
| 45 |
73 |
0 |
0 |
150,000 |
0 |
270 |
90 |
12,000 |
0 |
217,679 |
691,884 |
1,725,302 |
217,679 |
691,884 |
1,725,302 |
222,679 |
696,884 |
|
| 46 |
74 |
0 |
0 |
150,000 |
0 |
295 |
90 |
12,000 |
0 |
211,818 |
714,082 |
1,833,673 |
211,818 |
714,082 |
1,833,673 |
216,818 |
719,082 |
|
| 47 |
75 |
0 |
0 |
150,000 |
0 |
324 |
90 |
12,000 |
0 |
205,752 |
737,362 |
1,949,602 |
205,752 |
737,362 |
1,949,602 |
210,752 |
742,362 |
|
| 48 |
76 |
0 |
0 |
150,000 |
0 |
303 |
90 |
12,000 |
0 |
199,525 |
761,826 |
2,073,666 |
199,525 |
761,826 |
2,073,666 |
204,525 |
766,826 |
|
| 49 |
77 |
0 |
0 |
150,000 |
0 |
331 |
90 |
12,000 |
0 |
193,083 |
787,485 |
2,206,386 |
193,083 |
787,485 |
2,206,386 |
198,083 |
792,485 |
|
| 50 |
78 |
0 |
0 |
150,000 |
0 |
362 |
90 |
12,000 |
0 |
186,416 |
814,395 |
2,348,363 |
186,416 |
814,395 |
2,348,363 |
191,416 |
819,395 |
|
| 51 |
79 |
0 |
0 |
150,000 |
0 |
396 |
90 |
12,000 |
0 |
179,514 |
842,615 |
2,500,244 |
179,514 |
842,615 |
2,500,244 |
184,514 |
847,615 |
|
| 52 |
80 |
0 |
0 |
150,000 |
0 |
433 |
90 |
0 |
0 |
184,368 |
884,209 |
2,674,719 |
184,368 |
884,209 |
2,674,719 |
189,368 |
889,209 |
|
|