继续讨论人寿保险

今天和同事研究了一下，公司里同样的Term Life比外面便宜很多。如果很多公司都有同样的福利，夫妻双方同时丢工作概率很小，那为什么还要自己买Term Life呢？

首先，这个同事进公司6年了，公司给你的价格是按照你进公司的年龄算，只要你不离开公司永远不变的（年龄组不分年龄），而在外面买的价格是按照你现在的年龄算的。你可以很高兴的买这个便宜的保险，但当你45岁换了新公司的话价格就可能非常高了。相反，如果你55岁还是同样的公司，外面的term life到期了，你可以买公司保险，绝对超值！

除此之外找到这个答案觉得挺有道理：

如果你得了重病，修完disability leave后只能不工作在家，所有的福利最后都没有了，那时候你身体不好肯定买不起任何人寿保险，那时候你翘翘了就没有任何保险了！！！


Insurance through work? Many larger firms offer life insurance as part of an overall benefits package. They will typically provide a certain amount of insurance for free and insurance beyond that minimum amount is offered for a fee. Although priced competitively, it may not be wise to get more than the 'free' amount offered - why? Suppose you develop a nasty health condition and then lose your job (and your benefit-provided insurance)? Trying to get reinsured elsewhere (with a health condition) may be very expensive. It is often wiser to have your own insurance in place through your own efforts - this insurance will stay with you and not the job.

这个网站不错

这个32岁的人画的价格比较图也很有趣


初步结论： 如果觉得自己主动换公司概率不大，可以夫妻双方都给自己买1/4，给对方买1/4 ，外面term买1/4，外面whole life买1/4。要不然的话还是趁早在外面锁住便宜的保险金。