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读者:我今年40岁了,前段时间有人向我介绍保险,我觉得也确实该买,但一直犹豫该不该一次把保费给交齐。到底怎么交好呢,能否帮助我分析一下?阿梅:交保费的方式大体有两种:一是趸交,即一次性把保费交齐;二是长期交,所分时间由自己选择,一般分3年、5年、10年、20年或30年的,有些险种可交至60岁、70岁,甚至还有终身交费的。其实,趸交与长期交费的区别,说起来很简单。交费时间越短,费用就越低,拉的时间越长,总的费用就越高。但保险的交费比买房按揭要复杂,所以要因人而异,因情况而定。如您购买养老险,可以这样考虑:由于它的保障是到期后领取,所以,您期望早些领到养老金,那就选择交费期短一些,或趸交。依您的年岭看,建议您选择5年或10年的交费期,这样您45岁或55岁时就可拿到养老金,同时,在这5年
Reader: I am 40 years old this time. Some time ago I was introduced to insurance. I think I really should buy it, but I have been hesitant to pay premiums all at once. How to make good in the end, can you help me analyze? Ah Mei: There are basically two ways to pay premiums: First, single pay, that is, one-time payment of premiums; Second, long-term pay, the time divided by their own choice, Generally divided into 3 years, 5 years, 10 years, 20 years or 30 years, some of the insurance can be handed over to 60 years old, 70 years old, and even lifelong pay. In fact, the difference between wholesale and long-term payment is very simple to say. The shorter the payment time, the lower the cost, the longer the pull, the higher the total cost. However, the payment of insurance is more complicated than buying a mortgage, so it varies from person to person, depending on the circumstances. If you buy old-age insurance, you can think of it this way: Because it is guaranteed after it expires, so you expect to receive your old-age pension earlier. Then you have to choose a shorter pay period or a one-off payment. According to your year ridge, it is recommended that you choose to pay 5 years or 10 years, so you can get 45 years old or 55 years old pension, at the same time, in these 5 years