為什麼說小孩不適合購買定期壽險？

很hen多duo有you小xiao孩hai的de家jia長chang在zai給gei小xiao孩hai買mai保bao險xian的de時shi候hou，都dou會hui想xiang給gei小xiao孩hai最zui全quan麵mian的de保bao障zhang。把ba所suo有you的de保bao險xian產chan品pin都dou給gei小xiao孩hai配pei備bei上shang，但dan要yao注zhu意yi的de是shi
，小xiao孩hai和he大da人ren適shi合he的de保bao險xian產chan品pin是shi不bu同tong的de，比bi如ru定ding期qi壽shou險xian就jiu不bu適shi合he小xiao孩hai購gou買mai。那na麼me究jiu竟jing這zhe是shi為wei什shen麼me呢ne
？一yi起qi跟多保魚小編來了解一下。

dingqishouxiandebaozhanggongnengdajiayinggaidouyousuolejie，jiushizaibeibaorenbuxingshenguhuozhequancanhou，shouyirenkeyihuodeguidingdebaoxianjin。namejiuyourenwenle

，xiaohaifashengyiwaishigudegailvbushibichengnianrendama，weishenmefanertamenbushihegoumaishouxianchanpinne？qishizhegeyuanyinyouhenduozhong。

1.保障作用

suiranshouxianchanpindegongnengheyiwaixianchabuduo，danshouxianzhuyaoleyongyuyufangjiatingjingjizhizhufashengbuxingshi，geijiatingjingjidailaidedaji，congeryingxiangjiatingqitachengyuanjibenshenghuoxuqiushouyingxiangdeqingkuang。erxiaohaisuiranfashengyiwaidegailvbijiaogao，dandaduodoushiyiwaishoushangdeqingkuang，suoyouxiaohaizibingbuxuyaogoumaidingqishouxian
，tebieshiduiyujingjitiaojianbingbuhaodejiatinglaishuo。

2.保額限製

weishenmexiaohaibuxuyaogoumaishouxianchanpin，haiyouyigeyuanyinjiushixiaohaicanbaoshouxian，tadebaoeshihuiyouxianzhide。goumaishouxianchanpinqishijiandandishuojiushigoumaibaoe，zaibeibaorenshenguhou，nengrangbeibaorendejiatingbuhuiyinweilikaibeibaorenerjingjishoudaoyingxiang，suoyouyibandingqishouxiandebaoedouhuibaodebijiaogao。erweichengnianrenshengulipeijinxianzhidewenti

，weilefangzhidaodefengxian，baojianhuizai2015nianfabulexiangguantongzhi

，guidingfumugeiweichengnianzinvtoubaohanshenguzerendebaoxian，beibaoxianrenzaiweichengnianzhiqianbuxingshengu
，baoxiangongsishijigeifubaoxianjindexianzhiruxia：

被保險人未滿10周歲
，身故理賠金不得超過20萬元；

被保險人已滿10周歲，未滿18周歲，身故理賠金不得超過50萬元。

盡管你購買的產品保額高達百萬，最後能獲得也就這麼多，所以小孩是沒有必要購買壽險產品的。