Lifetime Guaranteed is a feature added to a life insurance policy, It is often named as “Secondary guarantee” that protect a policy remains in force even if its fund value is exhausted (subject to one or more conditions). Compared with policies without this feature, The policy holders don’t have to worry about the up and down of interest rates or stock market return . In term, they just pay in sufficient net premium to keep the guarantee active.
它是附加在保單內的條款,用於保持一張保單免於受到利率或股票市場的波動,由保險公司無論如何担保其有效性.條件是投保人依期限繳入足夠的保費. 至於保證期間長短,付費次數等可以自行選擇, 细節需有專業耐心的代理人為你說明. 相較於這種有保證型的保單, 不具保證條款的則投保人自行承担風險,不論根據投資或利率,在回收不達預期時,保單的現金值,死亡給付將受影响,甚至失效.