富邦分紅保單試算檔 使用說明:

被保險人姓名 FUBON 藍色 自行輸入

性別 男 黃色 下拉式選單
出生年 66年 綠色 系統自行帶出數值
月 06月 紅利選擇 可能紅利
日 15日 輸入市場利率 2.10%
保險年齡 32歲 預設借貸利率 4.00%
投保險種一 鑫享受乙型 投保險種二 真享受乙型
年期 20年 年期 06年 真享受甲型僅能選擇
保額 290萬 保額 100萬
集彙(轉帳) 242,199元 集彙(轉帳) 384,799元
點選繳費方式 合計 : 626,998元

查看報表
鑫享受乙型20年期 290萬 真享受乙型6年期 100萬
綜合報表
真享受甲型僅能選擇 20年期
 富邦分紅保險系列
險種代號 1 2 3 4
鑫享受甲型 鑫享受乙型 真享受甲型 真享受乙型
險種名稱
增額(PIWA) 增額(PIWB) 請依代號填入下 (PWFA) (PWFB)
表,並檢視年期
6年期 0～80歲
投保年齡 0～60歲 0～60歲 20年期0～66歲
20年期0～66歲

被保險人 FUBON 險種代號 2

性別 鑫享受乙型
1 年期 20年
1,2 增額(PIWB)可選擇10 ,20
您選擇了鑫享受乙型
年 66年 保額 290萬
增額(PIWB) 20 年期
月 06月 是否轉帳 Y 保額290萬 原保費2496
預計提領保價
日 15日 應繳保費 242,199元 111歲
之年齡
保險年齡 32歲 累積紅利儲存生息 2.10%

0～4歲 5～14歲 15～30歲 31～46歲 47～60歲

保額限制 10年期 130 150 500 800 1200
20年期 130 150 500 800 1200
列
5 5

真享受丙型
2
(PWFC)
6年期 0～80歲
0
20年期0～66歲

鑫享受乙型
IWB)可選擇10 ,20 年期
您選擇了鑫享受乙型
增額(PIWB) 20 年期
290萬 原保費249690
預計提領
0
金額

提領金額將為 0
 鑫享受乙型
增額(PIWB) 20 年期
FUBON先生 保額 290萬 應繳保費
保單價值暨累積紅利(採
保單年 保單價值 可能紅利 悲觀紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 (1) 儲存生息(2) 2.5～3％
(3=1+2)

1 32 242,199 242,199 2,972,500 0 0 0 0

2 33 242,199 484,398 3,046,740 173,420 4,359 177,779 2,477
3 34 242,199 726,597 3,123,010 357,860 9,546 367,406 3,329
4 35 242,199 968,796 3,201,020 553,030 20,357 573,387 3,500
5 36 242,199 1,210,995 3,281,060 759,800 34,466 794,266 3,988
6 37 242,199 1,453,194 3,363,130 978,170 57,395 1,035,565 8,712
7 38 242,199 1,695,393 3,447,230 1,209,010 86,353 1,295,363 11,066
8 39 242,199 1,937,592 3,533,360 1,452,030 122,287 1,574,317 12,641
9 40 242,199 2,179,791 3,621,810 1,708,680 162,549 1,871,229 11,742
10 41 242,199 2,421,990 3,712,290 1,978,960 208,007 2,186,967 12,722
11 42 242,199 2,664,189 3,805,090 2,229,810 258,845 2,488,655 13,114
12 43 242,199 2,906,388 3,900,210 2,487,910 315,031 2,802,941 14,164
13 44 242,199 3,148,587 3,997,650 2,752,970 375,793 3,128,763 15,208
14 45 242,199 3,390,786 4,097,700 3,025,860 441,613 3,467,473 14,648
15 46 242,199 3,632,985 4,200,070 3,306,580 513,608 3,820,188 15,463
16 47 242,199 3,875,184 4,305,050 3,595,420 596,517 4,191,937 16,504
17 48 242,199 4,117,383 4,412,640 3,892,670 685,804 4,578,474 16,324
18 49 242,199 4,359,582 4,523,130 4,199,200 782,044 4,981,244 17,009
19 50 242,199 4,601,781 4,744,110 4,514,140 885,482 5,399,622 17,464
20 51 242,199 4,843,980 4,993,800 4,838,360 996,755 5,835,115 17,299
21 52 0 4,843,980 4,993,800 4,970,600 1,122,012 6,092,612 22,434
22 53 0 4,843,980 5,106,900 5,106,900 1,251,847 6,358,747 23,615
23 54 0 4,843,980 5,246,680 5,246,680 1,386,387 6,633,067 22,194
24 55 0 4,843,980 5,390,230 5,390,230 1,525,411 6,915,641 24,006
25 56 0 4,843,980 5,537,840 5,537,840 1,670,151 7,207,991 24,325
26 57 0 4,843,980 5,689,220 5,689,220 1,819,684 7,508,904 23,125
27 58 0 4,843,980 5,844,660 5,844,660 1,975,979 7,820,639 24,618
28 59 0 4,843,980 6,004,450 6,004,450 2,136,334 8,140,784 24,389
29 60 0 4,843,980 6,168,300 6,168,300 2,302,864 8,471,164 24,441
30 61 0 4,843,980 6,336,500 6,336,500 2,476,533 8,813,033 25,746
31 62 0 4,843,980 6,509,340 6,509,340 2,655,966 9,165,306 26,001
32 63 0 4,843,980 6,686,820 6,686,820 2,840,843 9,527,663 26,303
33 64 0 4,843,980 6,868,650 6,868,650 3,033,037 9,901,687 25,645
34 65 0 4,843,980 7,055,410 7,055,410 3,232,431 10,287,841 26,842
35 66 0 4,843,980 7,247,100 7,247,100 3,439,344 10,686,444 26,228
36 67 0 4,843,980 7,443,720 7,443,720 3,653,377 11,097,097 27,188
37 68 0 4,843,980 7,645,270 7,645,270 3,875,113 11,520,383 28,577
38 69 0 4,843,980 7,852,330 7,852,330 4,104,062 11,956,392 28,101
39 70 0 4,843,980 8,064,320 8,064,320 4,340,705 12,405,025 27,698
40 71 0 4,843,980 8,281,820 8,281,820 4,586,259 12,868,079 28,313
41 72 0 4,843,980 8,504,830 8,504,830 4,840,385 13,345,215 28,765
42 73 0 4,843,980 8,733,350 8,733,350 5,104,108 13,837,458 30,134

第 5 頁 / 共 22 頁
 鑫享受乙型
增額(PIWB) 20 年期
FUBON先生 保額 290萬 應繳保費
保單價值暨累積紅利(採
保單年 保單價值 可能紅利 悲觀紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 (1) 儲存生息(2) 2.5～3％
(3=1+2)

43 74 0 4,843,980 8,967,380 8,967,380 5,375,463 14,342,843 30,346

44 75 0 4,843,980 9,207,210 9,207,210 5,656,316 14,863,526 30,691
45 76 0 4,843,980 9,452,550 9,452,550 5,947,556 15,400,106 30,601
46 77 0 4,843,980 9,703,980 9,703,980 6,249,503 15,953,483 31,511
47 78 0 4,843,980 9,961,210 9,961,210 6,560,453 16,521,663 32,582
48 79 0 4,843,980 10,224,240 10,224,240 6,883,002 17,107,242 33,423
49 80 0 4,843,980 10,493,360 10,493,360 7,216,329 17,709,689 32,483
50 81 0 4,843,980 10,768,280 10,768,280 7,561,604 18,329,884 34,681
51 82 0 4,843,980 11,049,000 11,049,000 7,917,160 18,966,160 34,484
52 83 0 4,843,980 11,335,810 11,335,810 8,285,910 19,621,720 34,293
53 84 0 4,843,980 11,628,420 11,628,420 8,667,284 20,295,704 36,250
54 85 0 4,843,980 11,926,830 11,926,830 9,060,536 20,987,366 35,661
55 86 0 4,843,980 12,230,750 12,230,750 9,467,312 21,698,062 36,262
56 87 0 4,843,980 12,540,470 12,540,470 9,888,919 22,429,389 37,265
57 88 0 4,843,980 12,855,410 12,855,410 10,324,245 23,179,655 38,614
58 89 0 4,843,980 13,175,570 13,175,570 10,773,672 23,949,242 38,135
59 90 0 4,843,980 13,500,950 13,500,950 11,237,574 24,738,524 39,747
60 91 0 4,843,980 13,830,970 13,830,970 11,717,430 25,548,400 41,026
61 92 0 4,843,980 14,165,340 14,165,340 12,214,094 26,379,434 40,298
62 93 0 4,843,980 14,504,060 14,504,060 12,727,292 27,231,352 41,540
63 94 0 4,843,980 14,846,550 14,846,550 13,256,655 28,103,205 41,978
64 95 0 4,843,980 15,192,520 15,192,520 13,804,649 28,997,169 42,961
65 96 0 4,843,980 15,541,390 15,541,390 14,369,351 29,910,741 43,993
68 99 0 4,843,980 16,601,340 16,601,340 16,179,502 32,780,842 47,633
69 100 0 4,843,980 16,957,460 16,957,460 16,822,664 33,780,124 47,258
70 101 0 4,843,980 17,313,870 17,313,870 17,479,170 34,793,040 48,160
71 102 0 4,843,980 17,670,280 17,670,280 18,150,872 35,821,152 47,253
72 103 0 4,843,980 18,026,110 18,026,110 18,837,306 36,863,416 47,441
73 104 0 4,843,980 18,381,070 18,381,070 19,537,943 37,919,013 47,699
74 105 0 4,843,980 18,734,290 18,734,290 20,255,338 38,989,628 47,876
77 108 0 4,843,980 19,779,740 19,779,740 22,500,939 42,280,679 48,726
0
0
0
0
0
0
0
0
0
0
0
0
◎ 於繳費期滿後，要保人申請終止契約，若申請當時之【所繳保險費總和】大於【現金價值】，則本公司改以【所繳保險費總
值】。

第 6 頁 / 共 22 頁
 鑫享受乙型
增額(PIWB) 20 年期
FUBON先生 保額 290萬 應繳保費
保單價值暨累積紅利(採
保單年 保單價值 可能紅利 悲觀紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 (1) 儲存生息(2) 2.5～3％
(3=1+2)

◎保險單紅利部份非本保險單之保證給付項目，本公司不保證其給付及其金額。本建議書僅供參考，詳細給付內容以保單條款為

第 7 頁 / 共 22 頁
 鑫享受乙型
增額(PIWB) 20 年期 悲
應繳保費 242199 元/年 觀
紅
可能紅利 樂觀紅利 利
3～3.5％ 3.6～6％ 儲
存
0 0 生
息
4,359 5,638
5,095 6,426
10,611 11,789
13,682 15,695
22,205 25,613
27,753 30,734
34,121 36,256
37,694 41,476
42,044 48,404
46,470 53,818
50,750 58,751
54,146 64,438
57,928 68,362
62,721 74,318
72,123 86,562
76,760 92,327
81,838 98,774 滿期可能紅
87,015 105,026 利３倍領現
92,678 111,372 278,034
104,325 123,230
106,273 124,999
108,251 127,728
109,910 131,788
112,706 133,899
114,460 136,033
118,082 139,258
118,859 143,640
121,667 145,452
125,309 148,709
127,426 152,459
129,102 155,481
132,536 159,010
135,700 162,478
139,032 165,767
141,807 170,581
145,015 175,009
147,572 179,014
150,458 182,474
154,399 186,864
157,815 190,118
162,075 195,008

第 8 頁 / 共 22 頁
 鑫享受乙型
增額(PIWB) 20 年期 悲
應繳保費 242199 元/年 觀
紅
可能紅利 樂觀紅利 利
3～3.5％ 3.6～6％ 儲
存
164,169 199,372 生
息
167,968 205,555
172,457 209,026
177,048 215,015
179,710 220,307
184,779 225,730
188,784 229,805
193,732 236,634
196,762 242,092
202,490 247,115
207,370 253,170
211,239 260,075
216,505 265,814
222,793 272,177
227,659 279,473
232,618 287,326
237,655 293,642
243,867 301,281
250,598 308,824
256,702 315,508
262,090 324,754
269,604 331,893
274,804 340,048
295,458 366,499
303,392 375,840
303,230 376,174
304,639 377,954
305,266 377,487
305,054 378,488
307,098 380,593
307,777 383,919

和】大於【現金價值】，則本公司改以【所繳保險費總和】償付【現金價

第 9 頁 / 共 22 頁
 鑫享受乙型
增額(PIWB) 20 年期 悲
應繳保費 242199 元/年 觀
紅
可能紅利 樂觀紅利 利
3～3.5％ 3.6～6％ 儲
存
生
其金額。本建議書僅供參考，詳細給付內容以保單條款為主。 息

第 10 頁 / 共 22 頁
 真享受乙型(PWFB) 6 年期
FUBON先生 保額 100萬
保單價值暨累積紅利(採
保單年 生存 保單價值 可能紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 保險金 (1) 儲存生息(2)
(3=1+2)

1 32 384,799 384,799 0 1,000,000 207,800 0 207,800

2 33 384,799 769,598 50,000 1,000,000 434,200 2,947 437,147
3 34 384,799 1,154,397 50,000 1,140,100 707,500 7,614 715,114
4 35 384,799 1,539,196 50,000 1,486,800 1,016,400 14,287 1,030,687
5 36 384,799 1,923,995 50,000 1,833,500 1,362,200 25,655 1,387,855
6 37 384,799 2,308,794 50,000 2,180,200 1,746,300 39,978 1,786,278
7 38 0 2,308,794 50,000 2,130,200 1,743,400 52,146 1,795,546
8 39 0 2,308,794 50,000 2,080,200 1,740,600 64,454 1,805,054
9 40 0 2,308,794 50,000 2,030,200 1,737,700 76,909 1,814,609
10 41 0 2,308,794 50,000 1,980,200 1,734,800 89,521 1,824,321
11 42 0 2,308,794 50,000 1,930,200 1,731,900 102,303 1,834,203
12 43 0 2,308,794 50,000 1,880,200 1,729,100 115,299 1,844,399
13 44 0 2,308,794 50,000 1,830,200 1,726,400 128,512 1,854,912
14 45 0 2,308,794 50,000 1,780,200 1,723,700 141,943 1,865,643
15 46 0 2,308,794 50,000 1,771,000 1,721,000 155,619 1,876,619
16 47 0 2,308,794 50,000 1,768,200 1,718,200 169,547 1,887,747
17 48 0 2,308,794 50,000 1,765,400 1,715,400 183,732 1,899,132
18 49 0 2,308,794 50,000 1,762,400 1,712,400 198,179 1,910,579
19 50 0 2,308,794 50,000 1,759,400 1,709,400 212,892 1,922,292
20 51 0 2,308,794 50,000 1,756,200 1,706,200 227,876 1,934,076
21 52 0 2,308,794 50,000 1,753,000 1,703,000 243,134 1,946,134
22 53 0 2,308,794 50,000 1,749,600 1,699,600 258,672 1,958,272
23 54 0 2,308,794 50,000 1,746,100 1,696,100 274,492 1,970,592
24 55 0 2,308,794 50,000 1,742,600 1,692,600 290,601 1,983,201
25 56 0 2,308,794 50,000 1,738,900 1,688,900 307,004 1,995,904
26 57 0 2,308,794 50,000 1,735,100 1,685,100 323,704 2,008,804
27 58 0 2,308,794 50,000 1,731,100 1,681,100 340,706 2,021,806
28 59 0 2,308,794 50,000 1,727,100 1,677,100 358,015 2,035,115
29 60 0 2,308,794 50,000 1,722,800 1,672,800 375,635 2,048,435
30 61 0 2,308,794 50,000 1,718,500 1,668,500 393,572 2,062,072
31 62 0 2,308,794 50,000 1,714,000 1,664,000 411,831 2,075,831
32 63 0 2,308,794 50,000 1,709,300 1,659,300 430,415 2,089,715
33 64 0 2,308,794 50,000 1,704,500 1,654,500 449,331 2,103,831
34 65 0 2,308,794 50,000 1,699,400 1,649,400 468,582 2,117,982
35 66 0 2,308,794 50,000 1,694,200 1,644,200 488,173 2,132,373
36 67 0 2,308,794 50,000 1,688,800 1,638,800 508,109 2,146,909
37 68 0 2,308,794 50,000 1,683,200 1,633,200 528,395 2,161,595
38 69 0 2,308,794 50,000 1,677,400 1,627,400 549,035 2,176,435
39 70 0 2,308,794 50,000 1,671,400 1,621,400 570,036 2,191,436
40 71 0 2,308,794 50,000 1,665,100 1,615,100 591,401 2,206,501
41 72 0 2,308,794 50,000 1,658,600 1,608,600 613,134 2,221,734
42 73 0 2,308,794 50,000 1,651,800 1,601,800 635,241 2,237,041

第 11 頁 / 共 22 頁
 真享受乙型(PWFB) 6 年期
FUBON先生 保額 100萬
保單價值暨累積紅利(採
保單年 生存 保單價值 可能紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 保險金 (1) 儲存生息(2)
(3=1+2)

43 74 0 2,308,794 50,000 1,644,700 1,594,700 657,725 2,252,425

44 75 0 2,308,794 50,000 1,637,400 1,587,400 680,591 2,267,991
45 76 0 2,308,794 50,000 1,629,700 1,579,700 703,843 2,283,543
46 77 0 2,308,794 50,000 1,621,700 1,571,700 727,486 2,299,186
47 78 0 2,308,794 50,000 1,613,400 1,563,400 751,523 2,314,923
48 79 0 2,308,794 50,000 1,604,700 1,554,700 775,959 2,330,659
49 80 0 2,308,794 50,000 1,595,600 1,545,600 800,797 2,346,397
50 81 0 2,308,794 50,000 1,586,100 1,536,100 826,041 2,362,141
51 82 0 2,308,794 50,000 1,576,100 1,526,100 851,693 2,377,793
52 83 0 2,308,794 50,000 1,565,700 1,515,700 877,756 2,393,456
53 84 0 2,308,794 50,000 1,554,800 1,504,800 904,233 2,409,033
54 85 0 2,308,794 50,000 1,543,500 1,493,500 931,128 2,424,628
55 86 0 2,308,794 50,000 1,531,500 1,481,500 958,442 2,439,942
56 87 0 2,308,794 50,000 1,519,000 1,469,000 986,176 2,455,176
57 88 0 2,308,794 50,000 1,505,900 1,455,900 1,014,333 2,470,233
58 89 0 2,308,794 50,000 1,492,200 1,442,200 1,042,958 2,485,158
59 90 0 2,308,794 50,000 1,477,800 1,427,800 1,072,061 2,499,861
60 91 0 2,308,794 50,000 1,462,700 1,412,700 1,101,646 2,514,346
61 92 0 2,308,794 50,000 1,446,900 1,396,900 1,131,717 2,528,617
62 93 0 2,308,794 50,000 1,430,300 1,380,300 1,162,278 2,542,578
63 94 0 2,308,794 50,000 1,412,900 1,362,900 1,193,332 2,556,232
64 95 0 2,308,794 50,000 1,394,700 1,344,700 1,224,882 2,569,582
65 96 0 2,308,794 50,000 1,375,500 1,325,500 1,256,932 2,582,432
68 99 0 2,308,794 50,000 1,312,600 1,262,600 1,356,101 2,618,701
69 100 0 2,308,794 50,000 1,289,700 1,239,700 1,390,172 2,629,872
70 101 0 2,308,794 50,000 1,265,800 1,215,800 1,424,754 2,640,554
71 102 0 2,308,794 50,000 1,240,800 1,190,800 1,459,848 2,650,648
72 103 0 2,308,794 50,000 1,214,800 1,164,800 1,495,456 2,660,256
73 104 0 2,308,794 50,000 1,187,700 1,137,700 1,531,580 2,669,280
74 105 0 2,308,794 50,000 1,159,600 1,109,600 1,568,220 2,677,820
77 108 0 2,308,794 50,000 1,068,800 1,018,800 1,681,261 2,700,061

第 12 頁 / 共 22 頁
 真享受乙型(PWFB) 6 年期
FUBON先生 保額 100萬
保單價值暨累積紅利(採
保單年 生存 保單價值 可能紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 保險金 (1) 儲存生息(2)
(3=1+2)

◎保險單紅利部份非本保險單之保證給付項目，本公司不保證其給付及其金額。本建議書僅供參考，詳細給付內容以保單條款為主

第 13 頁 / 共 22 頁
享受乙型(PWFB) 6 年期
悲
應繳保費 384799 元/年 觀
紅
悲觀紅利 可能紅利 樂觀紅利 利
2.5～3％ 3～3.5％ 3.6～6％ 儲
存
0 0 0 生
息
1,532 2,947 3,251
2,393 4,605 5,080
3,429 6,513 7,286 滿期可能紅
5,816 11,068 12,269 利３倍領現
7,312 13,784 15,583 41,352
10,087 11,328 31,613
10,022 11,213 33,610
9,959 11,101 35,594
9,900 10,997 37,563
9,845 10,902 39,518
9,811 10,848 41,458
9,776 10,792 43,383
9,739 10,732 45,292
9,714 10,695 47,260
9,690 10,660 49,232
9,665 10,625 51,196
9,640 10,589 53,150
9,614 10,551 55,094
9,587 10,513 57,027
9,559 10,473 58,950
9,530 10,432 60,861
9,500 10,388 62,759
9,469 10,345 64,647
9,438 10,300 66,522
9,405 10,253 68,383
9,371 10,204 70,228
9,336 10,154 72,059
9,299 10,102 73,875
9,262 10,049 75,674
9,223 9,994 77,458
9,183 9,936 77,238
9,141 9,877 77,010
9,098 9,815 76,775
9,053 9,751 76,529
9,007 9,684 76,275
8,959 9,616 76,013
8,909 9,544 75,740
8,857 9,471 75,459
8,803 9,394 75,165
8,747 9,314 74,859
8,689 9,231 74,541

第 14 頁 / 共 22 頁
享受乙型(PWFB) 6 年期
悲
應繳保費 384799 元/年 觀
紅
悲觀紅利 可能紅利 樂觀紅利 利
2.5～3％ 3～3.5％ 3.6～6％ 儲
存
8,628 9,144 74,209 生
息
8,566 9,054 73,865
8,500 8,960 73,507
8,431 8,862 73,132
8,360 8,760 72,743
8,286 8,654 72,336
8,208 8,543 71,911
8,126 8,427 71,467
8,041 8,305 71,001
7,952 8,177 70,514
7,859 8,044 70,005
7,762 7,906 69,475
7,660 7,760 68,918
7,553 7,607 68,333
7,441 7,447 67,721
7,324 7,324 67,081
7,201 7,201 66,410
7,072 7,072 65,705
6,936 6,936 64,967
6,795 6,795 64,193
6,646 6,646 63,381
6,490 6,490 62,531
6,327 6,327 61,637
5,789 5,789 58,699
5,593 5,593 57,627
5,388 5,388 56,509
5,174 5,174 55,340
4,951 4,951 54,122
4,719 4,719 52,854
4,477 4,477 51,535
3,697 3,697 47,274

第 15 頁 / 共 22 頁
享受乙型(PWFB) 6 年期
悲
應繳保費 384799 元/年 觀
紅
悲觀紅利 可能紅利 樂觀紅利 利
2.5～3％ 3～3.5％ 3.6～6％ 儲
存
生
息
本建議書僅供參考，詳細給付內容以保單條款為主。

第 16 頁 / 共 22 頁
 20鑫享受乙型+6真享受乙型
FUBON先生 保額 390萬
保單價值暨累積紅利(採
保單年 生存 保單價值 可能紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 保險金 (1) 儲存生息(2)
(3=1+2)

1 32 626,998 626,998 0 3,972,500 207,800 0 207,800

2 33 626,998 1,253,996 50,000 4,046,740 607,620 7,306 614,926
3 34 626,998 1,880,994 50,000 4,263,110 1,065,360 17,160 1,082,520
4 35 626,998 2,507,992 50,000 4,687,820 1,569,430 34,644 1,604,074
5 36 626,998 3,134,990 50,000 5,114,560 2,122,000 60,121 2,182,121
6 37 626,998 3,761,988 50,000 5,543,330 2,724,470 97,373 2,821,843
7 38 242,199 4,004,187 50,000 5,577,430 2,952,410 138,499 3,090,909
8 39 242,199 4,246,386 50,000 5,613,560 3,192,630 186,741 3,379,371
9 40 242,199 4,488,585 50,000 5,652,010 3,446,380 239,458 3,685,838
10 41 242,199 4,730,784 50,000 5,692,490 3,713,760 297,528 4,011,288
11 42 242,199 4,972,983 50,000 5,735,290 3,961,710 361,148 4,322,858
12 43 242,199 5,215,182 50,000 5,780,410 4,217,010 430,330 4,647,340
13 44 242,199 5,457,381 50,000 5,827,850 4,479,370 504,305 4,983,675
14 45 242,199 5,699,580 50,000 5,877,900 4,749,560 583,556 5,333,116
15 46 242,199 5,941,779 50,000 5,971,070 5,027,580 669,227 5,696,807
16 47 242,199 6,183,978 50,000 6,073,250 5,313,620 766,064 6,079,684
17 48 242,199 6,426,177 50,000 6,178,040 5,608,070 869,536 6,477,606
18 49 242,199 6,668,376 50,000 6,285,530 5,911,600 980,223 6,891,823
19 50 242,199 6,910,575 50,000 6,503,510 6,223,540 1,098,374 7,321,914
20 51 242,199 7,152,774 50,000 6,750,000 6,544,560 1,224,631 7,769,191
21 52 0 7,152,774 50,000 6,746,800 6,673,600 1,365,146 8,038,746
22 53 0 7,152,774 50,000 6,856,500 6,806,500 1,510,519 8,317,019
23 54 0 7,152,774 50,000 6,992,780 6,942,780 1,660,879 8,603,659
24 55 0 7,152,774 50,000 7,132,830 7,082,830 1,816,012 8,898,842
25 56 0 7,152,774 50,000 7,276,740 7,226,740 1,977,155 9,203,895
26 57 0 7,152,774 50,000 7,424,320 7,374,320 2,143,388 9,517,708
27 58 0 7,152,774 50,000 7,575,760 7,525,760 2,316,685 9,842,445
28 59 0 7,152,774 50,000 7,731,550 7,681,550 2,494,349 10,175,899
29 60 0 7,152,774 50,000 7,891,100 7,841,100 2,678,499 10,519,599
30 61 0 7,152,774 50,000 8,055,000 8,005,000 2,870,105 10,875,105
31 62 0 7,152,774 50,000 8,223,340 8,173,340 3,067,797 11,241,137
32 63 0 7,152,774 50,000 8,396,120 8,346,120 3,271,258 11,617,378
33 64 0 7,152,774 50,000 8,573,150 8,523,150 3,482,368 12,005,518
34 65 0 7,152,774 50,000 8,754,810 8,704,810 3,701,013 12,405,823
35 66 0 7,152,774 50,000 8,941,300 8,891,300 3,927,517 12,818,817
36 67 0 7,152,774 50,000 9,132,520 9,082,520 4,161,486 13,244,006
37 68 0 7,152,774 50,000 9,328,470 9,278,470 4,403,508 13,681,978
38 69 0 7,152,774 50,000 9,529,730 9,479,730 4,653,097 14,132,827
39 70 0 7,152,774 50,000 9,735,720 9,685,720 4,910,741 14,596,461
40 71 0 7,152,774 50,000 9,946,920 9,896,920 5,177,660 15,074,580
41 72 0 7,152,774 50,000 10,163,430 10,113,430 5,453,519 15,566,949
42 73 0 7,152,774 50,000 10,385,150 10,335,150 5,739,349 16,074,499

第 17 頁/共22 頁
 20鑫享受乙型+6真享受乙型
FUBON先生 保額 390萬
保單價值暨累積紅利(採
保單年 生存 保單價值 可能紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 保險金 (1) 儲存生息(2)
(3=1+2)

43 74 0 7,152,774 50,000 10,612,080 10,562,080 6,033,188 16,595,268

44 75 0 7,152,774 50,000 10,844,610 10,794,610 6,336,907 17,131,517
45 76 0 7,152,774 50,000 11,082,250 11,032,250 6,651,399 17,683,649
46 77 0 7,152,774 50,000 11,325,680 11,275,680 6,976,989 18,252,669
47 78 0 7,152,774 50,000 11,574,610 11,524,610 7,311,976 18,836,586
48 79 0 7,152,774 50,000 11,828,940 11,778,940 7,658,961 19,437,901
49 80 0 7,152,774 50,000 12,088,960 12,038,960 8,017,126 20,056,086
50 81 0 7,152,774 50,000 12,354,380 12,304,380 8,387,645 20,692,025
51 82 0 7,152,774 50,000 12,625,100 12,575,100 8,768,853 21,343,953
52 83 0 7,152,774 50,000 12,901,510 12,851,510 9,163,666 22,015,176
53 84 0 7,152,774 50,000 13,183,220 13,133,220 9,571,517 22,704,737
54 85 0 7,152,774 50,000 13,470,330 13,420,330 9,991,664 23,411,994
55 86 0 7,152,774 50,000 13,762,250 13,712,250 10,425,754 24,138,004
56 87 0 7,152,774 50,000 14,059,470 14,009,470 10,875,095 24,884,565
57 88 0 7,152,774 50,000 14,361,310 14,311,310 11,338,578 25,649,888
58 89 0 7,152,774 50,000 14,667,770 14,617,770 11,816,630 26,434,400
59 90 0 7,152,774 50,000 14,978,750 14,928,750 12,309,635 27,238,385
60 91 0 7,152,774 50,000 15,293,670 15,243,670 12,819,076 28,062,746
61 92 0 7,152,774 50,000 15,612,240 15,562,240 13,345,811 28,908,051
62 93 0 7,152,774 50,000 15,934,360 15,884,360 13,889,570 29,773,930
63 94 0 7,152,774 50,000 16,259,450 16,209,450 14,449,987 30,659,437
64 95 0 7,152,774 50,000 16,587,220 16,537,220 15,029,531 31,566,751
65 96 0 7,152,774 50,000 16,916,890 16,866,890 15,626,283 32,493,173
68 99 0 7,152,774 50,000 17,913,940 17,863,940 17,535,603 35,399,543
69 100 0 7,152,774 50,000 18,247,160 18,197,160 18,212,836 36,409,996
70 101 0 7,152,774 50,000 18,579,670 18,529,670 18,903,924 37,433,594
71 102 0 7,152,774 50,000 18,911,080 18,861,080 19,610,720 38,471,800
72 103 0 7,152,774 50,000 19,240,910 19,190,910 20,332,762 39,523,672
73 104 0 7,152,774 50,000 19,568,770 19,518,770 21,069,523 40,588,293
74 105 0 7,152,774 50,000 19,893,890 19,843,890 21,823,558 41,667,448
77 108 0 7,152,774 50,000 20,848,540 20,798,540 24,182,200 44,980,740

第 18 頁/共22 頁
 20鑫享受乙型+6真享受乙型
FUBON先生 保額 390萬
保單價值暨累積紅利(採
保單年 生存 保單價值 可能紅利
年齡 年繳保費 累計保費 保險金額 儲存生息方式)加總
度 保險金 (1) 儲存生息(2)
(3=1+2)

◎保險單紅利部份非本保險單之保證給付項目，本公司不保證其給付及其金額。本建議書僅供參考，詳細給付內容以保單條款為主

第 19 頁/共22 頁
鑫享受乙型+6真享受乙型
悲
應繳保費 626998 元/年 觀
紅
悲觀紅利 可能紅利 樂觀紅利 利
2.5～3％ 3～3.5％ 3.6～6％ 儲
存
生
0 0 0 息
4,009 7,306 8,889
5,722 9,700 11,506
6,929 17,124 19,075 滿期可能紅
9,804 24,750 27,964 利３倍領現
16,024 35,989 41,196 41,352
21,153 39,081 62,347
22,663 45,334 69,866
21,701 48,795 77,070
22,622 53,041 85,967
22,959 57,372 93,336
23,975 61,598 100,209
24,984 64,938 107,821
24,387 68,660 113,654
25,177 73,416 121,578
26,194 82,783 135,794
25,989 87,385 143,523
26,649 92,427 151,924 滿期可能紅
27,078 97,566 160,120 利３倍領現
26,886 103,191 168,399 278,034
31,993 114,798 182,180
33,145 116,705 185,860
31,694 118,639 190,487
33,475 120,255 196,435
33,763 123,006 200,421
32,530 124,713 204,416
33,989 128,286 209,486
33,725 129,013 215,699
33,740 131,769 219,327
35,008 135,358 224,383
35,224 137,420 229,917
35,486 139,038 232,719
34,786 142,413 236,020
35,940 145,515 239,253
35,281 148,783 242,296
36,195 151,491 246,856
37,536 154,631 251,022
37,010 157,116 254,754
36,555 159,929 257,933
37,116 163,793 262,029
37,512 167,129 264,977
38,823 171,306 269,549

第 20 頁/共22 頁
鑫享受乙型+6真享受乙型
悲
應繳保費 626998 元/年 觀
紅
悲觀紅利 可能紅利 樂觀紅利 利
2.5～3％ 3～3.5％ 3.6～6％ 儲
存
38,974 173,313 273,581 生
息
39,257 177,022 279,420
39,101 181,417 282,533
39,942 185,910 288,147
40,942 188,470 293,050
41,709 193,433 298,066
40,691 197,327 301,716
42,807 202,159 308,101
42,525 205,067 313,093
42,245 210,667 317,629
44,109 215,414 323,175
43,423 219,145 329,550
43,922 224,265 334,732
44,818 230,400 340,510
46,055 235,106 347,194
45,459 239,942 354,407
46,948 244,856 360,052
48,098 250,939 366,986
47,234 257,534 373,791
48,335 263,497 379,701
48,624 268,736 388,135
49,451 276,094 394,424
50,320 281,131 401,685
53,422 301,247 425,198
52,851 308,985 433,467
53,548 308,618 432,683
52,427 309,813 433,294
52,392 310,217 431,609
52,418 309,773 431,342
52,353 311,575 432,128
52,423 311,474 431,193

第 21 頁/共22 頁
鑫享受乙型+6真享受乙型
悲
應繳保費 626998 元/年 觀
紅
悲觀紅利 可能紅利 樂觀紅利 利
2.5～3％ 3～3.5％ 3.6～6％ 儲
存
生
本建議書僅供參考，詳細給付內容以保單條款為主。 息

第 22 頁/共22 頁