大都会国际人寿得利年年外币万能寿险建议书试算（1页）.xls

情境一：第4年起假设宣告利率比照第 3 年(3%)。〈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
(复利％)    保单年度
翌日解约
之解约金
2    48     -          -            -        3,176.33          3,176.33          3,115.98         2.41%     3,146.41 
3    49     -          -            -        3,271.62          3,271.62          3,240.54         2.93%     3,271.89 
4    50     -          -            -        3,369.77          3,369.77          3,369.77         2.95%     3,370.05 
5    51     -          -            -        3,470.87          3,470.87          3,470.87         2.96%     3,471.15 
6    52     -          -            -        3,574.99          3,574.99          3,574.99         2.97%     3,575.28 
                                                        
情境二：依据自行设定的第 1 年宣告利率，第 2 年以后每月宣告利率以 2% 计算 。                                                        
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
(复利％)   保单年度
翌日解约
之解约金
1        3,145.50          3,145.50          3,085.73         1.91%     3,115.78 
3    49     -          -            -        3,208.41          3,208.41          3,177.93         2.27%     3,208.58 
4    50     -          -            -        3,272.57          3,272.57          3,272.57         2.20%     3,272.75 
5    51     -          -            -        3,338.02          3,338.02          3,338.02         2.16%     3,338.21 
6    52     -          -            -        3,404.79          3,404.79          3,404.79         2.13%     3,