最近我的朋友推薦我購買年金險和終身壽險
，想問一下這兩者之間有什麼不同
？

1

、保險金領取情況不同

年(nian)金(jin)保(bao)險(xian)在(zai)被(bei)保(bao)險(xian)人(ren)達(da)到(dao)一(yi)定(ding)年(nian)紀(ji)的(de)情(qing)況(kuang)下(xia)，保(bao)險(xian)公(gong)司(si)將(jiang)給(gei)付(fu)一(yi)定(ding)生(sheng)存(cun)保(bao)險(xian)金(jin)，而(er)投(tou)保(bao)終(zhong)身(shen)壽(shou)險(xian)在(zai)被(bei)保(bao)險(xian)人(ren)生(sheng)存(cun)期(qi)間(jian)不(bu)能(neng)領(ling)取(qu)保(bao)險(xian)金(jin)，隻(zhi)能(neng)在(zai)退(tui)保(bao)的(de)情(qing)況(kuang)下(xia)領(ling)取(qu)現(xian)金(jin)價(jia)值(zhi)。

2、目的不同

投tou保bao年nian金jin保bao險xian是shi為wei了le經jing濟ji儲chu備bei

，因yin為wei保bao險xian公gong司si為wei投tou保bao用yong戶hu提ti供gong了le一yi定ding的de收shou益yi，在zai某mou種zhong程cheng度du上shang也ye可ke以yi說shuo是shi一yi項xiang投tou資zi。投tou保bao終zhong身shen壽shou險xian是shi為wei了le在zai被bei保bao險xian人ren死si亡wang的de情qing況kuang下xia提ti供gong經jing濟ji保bao障zhang。

nianjinxianhezhongshenshouxianyouhendadebutong，yigezaiyubaozhanggongnengshangdebutong，qianzheweilicaixian，houzheweirenshouxian。licaixiandebaozhanggongnengbijiaocha，yibanzhiyoushengubaozhang，zhuyaohaishizhuzhonglicaishouyishang，erzhongshenshouxiandebaozhangahaishifeichangchongzude，zaixiaofeizheshenguhoukeyinadaosuoyoubaoe。

年(nian)金(jin)險(xian)是(shi)您(nin)交(jiao)一(yi)筆(bi)錢(qian)或(huo)隔(ge)一(yi)段(duan)時(shi)間(jian)交(jiao)一(yi)筆(bi)錢(qian)，等(deng)您(nin)的(de)歲(sui)數(shu)到(dao)了(le)和(he)保(bao)險(xian)公(gong)司(si)約(yue)好(hao)的(de)時(shi)間(jian)，保(bao)險(xian)公(gong)司(si)就(jiu)會(hui)每(mei)隔(ge)一(yi)段(duan)時(shi)間(jian)給(gei)您(nin)一(yi)筆(bi)錢(qian)

，確(que)保(bao)您(nin)的(de)老(lao)年(nian)不(bu)會(hui)過(guo)於(yu)潦(liao)倒(dao)。直(zhi)到(dao)合(he)同(tong)到(dao)期(qi)或(huo)您(nin)身(shen)故(gu)，才(cai)會(hui)終(zhong)止(zhi)。

erzhongshenshouxianshizhiningoumaizhihou
，dangninyinweiyiwaiyuanyinshenguhuozhequanshencanji，baoxiangongsihuiyicixingfugeininhuozhenintianxiedeshouyirenyibiqian。zaininmeiyoufashengyiwaideshihou，yibanshidebudaozhebiqiande。