保險躉交是什麼意思？

很hen多duo朋peng友you在zai買mai保bao險xian的de時shi候hou，都dou會hui碰peng到dao一yi個ge問wen題ti，是shi否fou選xuan擇ze躉dun交jiao？不bu清qing楚chu躉dun交jiao的de朋peng友you，一yi看kan到dao這zhe兩liang個ge字zi就jiu懵meng了le。躉dun交jiao是shi啥sha意yi思si？有you什shen麼me特te殊shu的de功gong能neng嗎ma？其qi實shi所suo謂wei的de躉dun交jiao，這zhe是shi保bao險xian術shu語yu，說shuo成cheng白bai話hua就jiu是shi要yao不bu要yao一yi次ci交jiao清qing保bao費fei，下xia麵mian多duo保bao魚來簡單介紹下。

躉交是一個保險術語

，就是一次性付清所有保費。當然，與之對應的就是期交。

保險躉交與期交的對比：

單dan從cong費fei率lv上shang來lai看kan

，躉dun交jiao要yao比bi期qi交jiao便bian宜yi，但dan考kao慮lv到dao一yi次ci性xing支zhi付fu資zi金jin的de利li息xi成cheng本ben和he機ji會hui成cheng本ben
，兩liang者zhe並bing無wu優you劣lie之zhi分fen，而er期qi交jiao比bi躉dun交jiao的de優you勢shi主zhu要yao體ti現xian在zai其qi靈ling活huo性xing上shang
，比bi如ru期qi交jiao保bao費fei可ke以yi追zhui加jia附fu加jia險xian，目mu前qian隻zhi有you在zai投tou保bao主zhu險xian且qie主zhu險xian在zai交jiao費fei期qi內nei的de情qing況kuang下xia，才cai可ke以yi投tou保bao附fu加jia險xian，而er采cai用yong躉dun交jiao方fang式shi購gou買mai主zhu險xian，即ji使shi在zai主zhu險xian的de保bao障zhang期qi內nei也ye不bu能neng再zai購gou買mai新xin的de附fu加jia險xian。
　　
保險躉交的優勢：
dunjiaodeyoushizaiyubanlideshouxuhenjiandan，erqieyeshengdiaoleyihoumeicixuyaodouyaoguoyidaoliuchengdefansuobuzhou，xiangduiyuyibandejiaofeiqingkuanglaishuodunjiaodefangshizhengtifeiyonghuibijiaobianyiyixie，zhibuguoxuyaoyicixingfuqingsuoyoudebaoxianfeiyong，xuanzedunjiaodepengyouyibanlaishuoshizijidegongzuobugouwending，danxinyihouhuiduanbao，huozhetuibao
，yincihuinachuyibiqianyicixingfuqingsuoyoubaofei，zheyanghuigengjiaanquan
，bimianzhongtuchuxianrenhedeyiwaiqingkuang。

總結：

baoxiandedunjiaoshiyicixingbasuoyoudefeiyongfuqing
，ruguocaidaqicudangrankeyixuanzedunjiao，zheyangjiubuyongmeicidouyaoxubao
，danxinbaoxianhuiguoqile。dangran
，bunengyicixingnachuyidabiqianjiuxuanzeqijiao，doushiyiyangde，zhibuguohuichanshengxiangyingdelixieryi。