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Life Insurance Explained in 3 Minutes
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00:00
Hiya, I'm Elliot from Freelife Financial and today I'd like to explain life insurance in just 3 minutes.
嗨，我是 Freelife Financial 的 Elliot，今天我想用三分鐘的時間，為大家說明什麼是壽險。
00:06
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如果您是第一次觀看，歡迎點擊下方的訂閱按鈕免費訂閱我們。
00:15
Life insurance is a policy that you can take out to protect your loved ones in the event of your death.
壽險是一份您為守護所愛之人而投保的契約，在您身故時發揮作用。
00:21
If you take out life insurance policy, you'll pay an amount either every month or every year and this is called your premium.
若您購買壽險保單，您將每月或每年繳納一筆款項，這筆款項即稱為保費。
00:27
If you were to pass away during the term of your policy, your loved ones could receive a specified lump sum and this is called the sum assured.
若您在保單有效期間內身故，您的親人便可獲得一筆約定的一次性給付，此筆給付即稱為「保額」。
00:36
When you take out a life insurance policy, you'll need to decide how long you want the policy to run for.
當您購買壽險保單時，您需要決定希望這份保單的有效期間為多久。
00:42
You might use 10 years, 20 years, 30 years.
您可以選擇 10 年、20 年或 30 年。
00:44
This is called the policy term.
這就叫做保單年期。
00:47
If you keep paying the premiums and you pass away during the policy term, your loved ones could receive a lump sum payout of the sum assured.
只要您持續繳納保費，並在保單年期內身故，您的家人便可獲一筆過支付的投保金額。
00:54
So, as an example, if you take out a life insurance policy over 30 years and you pay £10 a month premiums for that and the sum assured is £100,000, that means that if you pass away within that 30 years, your loved ones could receive a lump sum of £100,000.
舉例來說，如果您投保一份為期 30 年的壽險，每月繳納 10 英鎊的保費，且投保金額為 10 萬英鎊，這意味著若您在這 30 年期間身故，您的家人便可獲得 10 萬英鎊的一筆過理賠金。
01:12
If you do not pass away within that 30 years, the policy will stop and you will not get any money back.
如果您在這 30 年期間沒有身故，保單將會終止，您將無法取回任何款項。
01:17
Now there are two main types of life insurance, level term and decreasing term.
目前市面上的壽險主要分為兩種：定額定期壽險與遞減定期壽險。
01:22
Level term will pay out the same sum assured regardless of when the claim is made as long as it is during the policy term.
定額定期壽險只要在保單有效期間內提出理賠，無論何時申請，都會給付相同的保險金額。
01:30
So for example, a 30 year policy with a £100,000 sum assured would pay out £100,000 upon a successful claim, whether it was in the first year of the policy or later into the policy, like the 20th year or even the 29th year.
舉例來說，一份為期30年、保額為10萬英鎊的保單，只要理賠申請獲准，無論是在保單第一年或後期如第20年甚至第29年提出，都會給付10萬英鎊。
01:45
Of course, year 30 would be the last year, so if you passed away after 31 years, your family would be unable to make a claim because the policy would have already finished.
當然，第30年將是最後一年，因此如果您在31年後身故，您的家人將無法申請理賠，因為保單已經失效。
01:54
The other type of life insurance is decreasing term.
另一種人壽保險類型則是遞減定期險。
01:57
An example would be if you took a 30 year policy of a £100,000 sum assured and made a claim straight away, the policy could pay out £100,000 but if you made a claim later run into the policy, for example after 10 years, the policy might pay out £70,000 for example.
舉例來說，如果您投保一份保額十萬英鎊、為期三十年的保單並立即申請理賠，保單可能理賠十萬英鎊；但如果您在保單生效後一段時間才申請理賠，例如十年後，保單可能只理賠七萬英鎊。
02:14
If a claim was made in the final year of the policy, the policy might only pay out £1,000.
若在保單的最後一年才提出理賠申請，保單可能僅會理賠一千英鎊。
02:18
Now these are of course just examples, the amount of the sum assured at these points would depend on a number of variables including how the policy was set up when you took it out.
當然，這些都只是舉例，在這些時間點的理賠金額會取決於許多變數，包括您當初投保時的保單設計方式。
02:30
Often a decreasing term life insurance policy will be taken out to cover a mortgage, the amount you owe on your mortgage would decrease over time as you repay a mortgage, so the amount that the life insurance policy could pay out would also reduce in line with your mortgage.
人們通常會投保遞減型定期壽險來作為房貸的保障，隨著您償還房貸，您所欠的房貸金額會隨之減少，因此壽險保單的理賠金額也會與房貸同步遞減。
02:44
The sum assured would generally be enough to repay whatever was outstanding on your mortgage, so that in the event of your death, your family could pay off the mortgage and at least live mortgage free.
理賠金額通常足以清償您尚未還清的房貸，如此一來，若不幸發生身故，您的家人便能還清房貸，至少能過上無房貸負擔的生活。
02:54
Whether the sum assured would be enough to repay the mortgage in full will also depend on a number of variables including how the policy was set up.
理賠金是否足以全額清償房貸，還需取決於多項變數，包括保單的設計方式。
03:01
Because a level term policy provides a higher amount of coverage, generally the premiums will be higher.
由於平準型定期壽險提供的保障額度較高，保費通常也會比較貴。
03:06
Your circumstances would determine what type of policy would be most suitable for you and it's important to think about the future when making this decision.
您的個人狀況將決定哪種類型的保單最適合您，因此在做此決定時，為未來著想非常重要。
03:13
For some people, a decreasing term policy may be suitable for others, it may not.
對某些人來說，遞減型定期壽險可能很合適，但對其他人而言則未必。
03:17
And that's it, of course it's just a very basic breakdown of how life insurance works, so for more information please get in touch using the contact details below.
以上就是壽險運作方式的簡要說明，若需進一步資訊，請利用下方聯絡方式與我們聯繫。

Life Insurance Explained in 3 Minutes

📝 影片摘要

本單元由 Freelife Financial 的 Elliot 主講，以三分鐘的時間簡明扼要地介紹人壽保險（壽險）的基本概念與運作方式。課程首先解釋壽險是一份旨在保障所愛之人的契約，涵蓋了保費（定期繳納的款項）與保額（身故時的一次性給付）等核心術語，並說明保單年期的意義。接著，影片深入剖析兩種主要的壽險類型：「定額定期壽險」與「遞減定期壽險」。定額型提供固定不變的理賠金，適合需要穩定保障的規劃；遞減型則隨時間降低理賠金額，常作為房貸保障的選擇。最後，Elliot 提醒觀眾應根據個人財務狀況與未來需求，審慎選擇最適合自己的保單類型。

📌 重點整理

  • ✓ 壽險是為守護所愛之人而投保的契約，在受保人身故時提供一筆過給付。
  • ✓ 保費是投保人定期（每月或每年）繳納的費用，用以維持保單有效。
  • ✓ 保額（Sum Assured）是指在保單有效期間內身故時，受益人可獲得的一次性理賠金額。
  • ✓ 保單年期（Policy Term）是保單有效的時間長度，常見有10年、20年或30年。
  • ✓ 若在保單年期結束後身故，保單將失效，不會有任何理賠或款項退還。
  • ✓ 定額定期壽險（Level Term）的理賠金額固定，無論在保單期間何時申請理賠，金額皆相同。
  • ✓ 遞減定期壽險（Decreasing Term）的理賠金額會隨時間遞減，常用來對沖逐漸減少的房貸債務。
  • ✓ 定額型保單保費通常較高，因其提供的保障額度較高；選擇何種保單取決於個人的財務狀況與需求。
📖 專有名詞百科 ｜點擊詞彙查看維基百科解釋
保險
insurance
保單
policy
保費
premium
保額
sum assured
保單年期
term
一筆過款項
lump sum
定額定期壽險
level term
遞減定期壽險
decreasing term
房貸
mortgage
保障
coverage

🔍 自訂查詢

📚 共 10 個重點單字
insurance /ɪnˈʃʊərəns/ noun
an arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a specified premium.
保險
📝 例句
"Hiya, I'm Elliot from Freelife Financial and today I'd like to explain life insurance in just 3 minutes."
→ 嗨，我是 Freelife Financial 的 Elliot，今天我想用三分鐘的時間，為大家說明什麼是壽險。
✨ 延伸例句
"Life insurance is a policy that you can take out to protect your loved ones."
→ 壽險是一份您為守護所愛之人而投保的契約。
policy /ˈpɒləsi/ noun
a contract of insurance.
保單
📝 例句
"Life insurance is a policy that you can take out to protect your loved ones in the event of your death."
→ 壽險是一份您為守護所愛之人而投保的契約，在您身故時發揮作用。
✨ 延伸例句
"If you take out life insurance policy, you'll pay an amount either every month or every year."
→ 如果您購買壽險保單，您將每月或每年繳納一筆款項。
premium /ˈpriːmiəm/ noun
an amount to be paid for an insurance policy.
保費
📝 例句
"If you take out life insurance policy, you'll pay an amount either every month or every year and this is called your premium."
→ 若您購買壽險保單，您將每月或每年繳納一筆款項，此筆款項即稱為保費。
✨ 延伸例句
"You need to pay the premium to keep the policy active."
→ 您需要繳納保費以維持保單有效。
sum assured /sʌm əˈʃʊərd/ noun
the amount of money guaranteed to be paid out by an insurance policy in the event of a valid claim.
保額；投保金額
📝 例句
"If you were to pass away during the term of your policy, your loved ones could receive a specified lump sum and this is called the sum assured."
→ 若您在保單有效期間內身故，您的親人便可獲得一筆約定的一次性給付，此筆給付即稱為「保額」。
✨ 延伸例句
"So, as an example... the sum assured is £100,000."
→ 舉例來說... 投保金額為 10 萬英鎊。
term /tɜːrm/ noun
the period for which an insurance policy is in force.
保單年期；期限
📝 例句
"You might use 10 years, 20 years, 30 years. This is called the policy term."
→ 您可以選擇 10 年、20 年或 30 年。這就叫做保單年期。
✨ 延伸例句
"If you keep paying the premiums and you pass away during the policy term..."
→ 只要您持續繳納保費，並在保單年期內身故...
lump sum /lʌmp sʌm/ noun
a single payment of money as opposed to a series of payments.
一筆過款項；一次性給付
📝 例句
"If you keep paying the premiums and you pass away during the policy term, your loved ones could receive a lump sum payout of the sum assured."
→ 只要您持續繳納保費，並在保單年期內身故，您的家人便可獲一筆過支付的投保金額。
✨ 延伸例句
"...your loved ones could receive a lump sum of £100,000."
→ ...您的家人便可獲得 10 萬英鎊的一筆過理賠金。
level term /ˈlevl tɜːrm/ noun
a type of life insurance where the payout amount remains the same throughout the policy term.
定額定期壽險
📝 例句
"Now there are two main types of life insurance, level term and decreasing term."
→ 目前市面上的壽險主要分為兩種：定額定期壽險與遞減定期壽險。
✨ 延伸例句
"Level term will pay out the same sum assured regardless of when the claim is made."
→ 定額定期壽險只要在保單有效期間內提出理賠，無論何時申請，都會給付相同的保險金額。
decreasing term /dɪˈkriːsɪŋ tɜːrm/ noun
a type of life insurance where the payout amount decreases over the policy term.
遞減定期壽險
📝 例句
"The other type of life insurance is decreasing term."
→ 另一種人壽保險類型則是遞減定期險。
✨ 延伸例句
"Often a decreasing term life insurance policy will be taken out to cover a mortgage."
→ 人們通常會投保遞減型定期壽險來作為房貸的保障。
mortgage /ˈmɔːɡɪdʒ/ noun
a legal agreement by which a bank or other lender lends money in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void on the payment of the debt.
房貸；按揭
📝 例句
"Often a decreasing term life insurance policy will be taken out to cover a mortgage."
→ 人們通常會投保遞減型定期壽險來作為房貸的保障。
✨ 延伸例句
"...the amount you owe on your mortgage would decrease over time..."
→ ...您所欠的房貸金額會隨之減少...
coverage /ˈkʌvərɪdʒ/ noun
the amount of protection against loss or damage provided by an insurance policy.
保障；承保範圍
📝 例句
"Because a level term policy provides a higher amount of coverage, generally the premiums will be higher."
→ 由於平準型定期壽險提供的保障額度較高，保費通常也會比較貴。
✨ 延伸例句
"You need to determine how much coverage you need."
→ 您需要決定您需要多少保障。
🎯 共 10 題測驗

1 What is the primary purpose of life insurance as described in the video? 根據影片描述，壽險的主要目的是什麼？ What is the primary purpose of life insurance as described in the video?

根據影片描述，壽險的主要目的是什麼？

✅ 正確！ ❌ 錯誤，正確答案是 B

The video states that life insurance is a policy taken out to protect loved ones in the event of death.

影片指出，壽險是一份為守護所愛之人而投保的契約，在身故時發揮作用。

2 What is the payment made to keep a life insurance policy active called? 用以維持壽險保單有效的定期繳款被稱為什麼？ What is the payment made to keep a life insurance policy active called?

用以維持壽險保單有效的定期繳款被稱為什麼？

✅ 正確！ ❌ 錯誤，正確答案是 C

The video defines the amount paid every month or year as the 'premium'.

影片定義每月或每年繳納的款項為「保費」。

3 If you pay £10 a month for a 30-year policy with a sum assured of £100,000, what happens if you pass away in the 25th year? 如果您每月支付 10 英鎊購買一張為期 30 年、保額 10 萬英鎊的保單，若您在第 25 年身故，會發生什麼事？ If you pay £10 a month for a 30-year policy with a sum assured of £100,000, what happens if you pass away in the 25th year?

如果您每月支付 10 英鎊購買一張為期 30 年、保額 10 萬英鎊的保單，若您在第 25 年身故，會發生什麼事？

✅ 正確！ ❌ 錯誤，正確答案是 B

If the insured passes away during the policy term, the loved ones receive the lump sum payout of the sum assured.

如果受保人在保單年期內身故，家人可獲得保額的一筆過理賠金。

4 Which type of life insurance pays out the SAME amount whether the claim is made in the 1st year or the 29th year? 無論是在第 1 年或第 29 年申請理賠，哪一種壽險會支付相同的金額？ Which type of life insurance pays out the SAME amount whether the claim is made in the 1st year or the 29th year?

無論是在第 1 年或第 29 年申請理賠，哪一種壽險會支付相同的金額？

✅ 正確！ ❌ 錯誤，正確答案是 B

Level term insurance pays out the same sum assured regardless of when the claim is made during the term.

定額定期壽險在保單年期內，無論何時申請理賠，都會給付相同的保險金額。

5 What is a common reason to choose a decreasing term life insurance policy? 選擇遞減定期壽險的常見原因是什麼？ What is a common reason to choose a decreasing term life insurance policy?

選擇遞減定期壽險的常見原因是什麼？

✅ 正確！ ❌ 錯誤，正確答案是 B

Decreasing term insurance is often taken out to cover a mortgage, as the payout reduces in line with the debt.

遞減型定期壽險常作為房貸保障，因為理賠金會隨著債務減少而遞減。

6 What happens to the policy if the insured does not pass away within the 30-year term? 如果受保人在 30 年保單年期內沒有身故，保單會如何？ What happens to the policy if the insured does not pass away within the 30-year term?

如果受保人在 30 年保單年期內沒有身故，保單會如何？

✅ 正確！ ❌ 錯誤，正確答案是 C

The video explicitly states that if you do not pass away within the term, the policy will stop and you will not get any money back.

影片明確指出，如果在年期內沒有身故，保單將會終止，您將無法取回任何款項。

7 Which type of policy generally has higher premiums? 哪一種保單通常保費較高？ Which type of policy generally has higher premiums?

哪一種保單通常保費較高？

✅ 正確！ ❌ 錯誤，正確答案是 B

Because a level term policy provides a higher amount of coverage, the premiums are generally higher.

因為定額定期壽險提供的保障額度較高，保費通常也會比較貴。

8 In a decreasing term policy, what might the payout be in the final year of the policy (example given)? 在遞減定期壽險中，保單最後一年的理賠金可能是多少（根據影片舉例）？ In a decreasing term policy, what might the payout be in the final year of the policy (example given)?

在遞減定期壽險中，保單最後一年的理賠金可能是多少（根據影片舉例）？

✅ 正確！ ❌ 錯誤，正確答案是 D

The video gives an example that in the final year, a decreasing term policy might pay out only £1,000.

影片舉例指出，在最後一年，遞減型保單可能只理賠 1,000 英鎊。

9 What determines which type of policy is most suitable for an individual? 什麼決定哪種保單最適合個人？ What determines which type of policy is most suitable for an individual?

什麼決定哪種保單最適合個人？

✅ 正確！ ❌ 錯誤，正確答案是 C

The video concludes that 'Your circumstances would determine what type of policy would be most suitable for you'.

影片結尾提到：「您的個人狀況將決定哪種類型的保單最適合您」。

10 If a claim is made after the policy term has ended, what happens? 如果在保單年期結束後申請理賠，會發生什麼事？ If a claim is made after the policy term has ended, what happens?

如果在保單年期結束後申請理賠，會發生什麼事？

✅ 正確！ ❌ 錯誤，正確答案是 B

If the insured passes away after the policy term (e.g., 31 years for a 30-year policy), the policy has finished and the family cannot make a claim.

如果受保人在保單年期後身故（例如 30 年保單的第 31 年），保單已結束，家人無法申請理賠。

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