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1、揭开“平安智胜人生终身寿险(万能型)保险”的隐藏面纱最近好多朋友反映“平安智胜人生终身寿险(万能型)保险”连续存10年6000元/年不能保障终身，属于隐性合同欺诈，今日心血来潮特意拿出来算一算，比较一下具体内容。下面是银行存款和平安智胜人生终身寿险(万能型)保险的收益情况比较。先看看银行存款的收益情况，假设某人每年存款6000元，连续存入10年，而后继续存在银行19年。那么其本金和利息如下：一、一种情况是定期储蓄一年一存：第29年时能拿到本息共计124,230.23元。连续存款本金及利息表(利息按一年整存计算)年数年初结存当年存入本金本年度总金额本年存款利率(
2、按定期一年计利)本年利息利息结存本年末总金额10.006,000.006,000.000.0300180.00180.006,180.0026,180.006,000.0012,180.000.0300365.40545.4012,545.40312,545.406,000.0018,545.400.0300556.361,101.7619,101.76419,101.766,000.0025,101.760.0300753.051,854.8125,854.81525,854.816,000.0031,854.810.0300955.642,810.4632
3、,810.45632,810.456,000.0038,810.450.03001,164.313,974.7739,974.76739,974.766,000.0045,974.760.03001,379.245,354.0247,354.00847,354.006,000.0053,354.000.03001,600.626,954.6454,954.62954,954.626,000.0060,954.620.03001,828.648,783.2762,783.261062,783.266,000.0068,783.260.03002,063.5010
4、,846.7770,846.761170,846.76 70,846.760.03002,125.4012,972.1772,972.161272,972.16 72,972.160.03002,189.1615,161.3475,161.321375,161.32 75,161.320.03002,254.8417,416.1877,416.161477,416.16 77,416.160.03002,322.4819,738.6679,738.641579,738.64 79,738.640.03002,392.1622,130.8282,130.8016
5、82,130.80 82,130.800.03002,463.9224,594.7584,594.721784,594.72 84,594.720.03002,537.8427,132.5987,132.561887,132.56 87,132.560.03002,613.9829,746.5789,746.541989,746.54 89,746.540.03002,692.4032,438.9692,438.942092,438.94 92,438.940.03002,773.1735,212.1395,212.112195,212.11 95,212.1
6、10.03002,856.3638,068.4998,068.472298,068.47 98,068.470.03002,942.0541,010.55101,010.5223101,010.52 101,010.520.03003,030.3244,040.86104,040.8424104,040.84 104,040.840.03003,121.2347,162.09107,162.0725107,162.07 107,162.070.03003,214.8650,376.95110,376.9326110,376.93 110,376.930.030
7、03,311.3153,688.26113,688.2427113,688.24 113,688.240.03003,410.6557,098.91117,098.8928117,098.89 117,098.890.03003,512.9760,611.87120,611.8629120,611.86 120,611.860.03003,618.3664,230.23124,230.22 29年存入本金60,000.0029年利息总额64,230.2329年本息总额124,230.23二、另一种情况是定期储蓄五年(第26年以后混加三年、二年、一年)一存：第2
8、9年时能拿到本息共计162,954.4
