南山定期險比較

此篇特別針對25~34歲女性所寫，男性或其他年齡層如有需要也歡迎參考：

最近在研究定期壽險商品

市面上分為一年期(自然費率)、長年期(平準費率)及遞減型商品

經過爬文，南山優活定期壽險(優體壽險，NJTL)是許多人推薦的

完整費率表詳DM

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L_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf">www.nanshanlife.com.tw/eservice/file/PPD/NJTL_SJTL_DM.pdf

但我後來發現同樣是南山的另一張保單：南山人壽不分紅定期壽險附約(NTR)

對於25~34歲的女性，特定年期、特定年齡比起優體又更便宜！

費率表詳DM

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以下簡單做個表格比較(以投保500萬為例)：

  年齡       NJTL10年期    NTR10年期       NJTL20年期    NTR20年期
   25           -          3500元           4600元       5000元
   26           -          3500元           4950元       5000元
   27           -          3500元           5350元       5500元
   28           -          4000元           5700元       5500元
   29           -          4500元           6100元       6500元
   30          4750元        4500元           6600元       6500元
   31          5000元        5000元           7050元       7000元
   32          5350元        5000元           7500元       8000元
   33          5600元        6000元           7950元       8500元
   34          6050元        6000元           8550元       9500元

從以下表格可以發現：10年期部分，女性30~34歲NTR比優體便宜！
                    20年期部分，女性在25到34歲間，某些年齡是NTR比較便宜！
且NTR的最低保額只要100萬，優體要500萬！

另外，男性朋友有興趣的也可以點進去比較保費，基本上NTR雖然較貴一點
但對於不想保到500萬保額的人來說，或是有其他家定壽、終壽保單可搭配的人
其實是不錯的商品，也可以參考！因為NTR、NJTL保費差異不大！

結論：1.女性25~34歲如有南山主約的人可以參考NTR，保額更有彈性、保費較便宜
      2.男性40歲前也可參考，因保費相差不大，
        對於不想保到500萬的人來說著實是個不錯的選擇！
      3.沒有主約的人，要先考慮主約成本喔!(這部分我就沒涉獵了)

問題：1.不知道可以搭配NTR的主約有什麼？歡迎板上先進說明！
      2.南山主約成本會不會很高，如果不會，對於目前沒有南山主約的人
        又有考慮NTR商品者，歡迎提供主約搭配，讓大家有更多選擇！