大都会国际人寿得利年年外币万能寿险建议书试算表（7页）.xls

情境一：第4年起假设宣告利率比照第 3 年(3.1%)。〈第 2 年度起之宣告利率为每月宣告，并适用一个月〉    保单 年度    年龄     累计保险费          保费费用          人寿保险
费用      年度末保单价值          年度末身故保险金          年度末解约金         保单年度
翌日解约
之报酬率
(複利％)    保单年度
翌日解约
之解约金 
        16,247.04          16,247.04          15,938.34         2.56%     16,094.04 
3    41     -          -            -        16,750.70          16,750.70          16,591.57         3.07%     16,752.10 
4    42     -          -            -        17,269.97          17,269.97          17,269.97         3.08%     17,271.41 
5    43     -          -            -        17,805.34          17,805.34          17,805.34         3.08%     17,806.83 
6    44     -          -            -        18,357.30          18,357.30          18,357.30         3.08%     18,358.84 
7    45     -          -            -        18,926.38          18,926.38          18,926.38         3.09%     18,927.96 
8    46     -          -            -        19,513.10          19,513.10          19,513.10         3.09%     19,514.73 
9    47     -          -            -        20,118.00          20,118.00          20,118.00         3.09%     20,119.69 
10    48     -          -            -        20,741.66          20,741.66          20,741.66         3.09%     20,743.40 
11    49     -          -            -        21,384.65          21,384.65          21,384.65         3.09%     21,386.44 
12    50     -          -            -        22,047.58          22,047.58          22,047.58         3.09%     22,049.42 
13    51     -          -            -        22,731.05          22,731.05          22,731.05         3.09%     22,732.95 
14    52     -          -            -        23,435.71          23,435.71          23,435.71         3.09%     23,437.67 
15    53     -          -            -        24,162.22          24,162.22          24,162.22         3.09%     24,164.24 
16    54     -          -            -