보험료 공시 관련, 주요 용어해설

계약체결비용 및 계약관리비용 : 보험회사가 보험계약 체결 및 관리를 위해 계약자에게 부담시킨 비용

위험보험료 : 납입 보험료에서 사망 및 질병 등과 관련된 보험금 지급에 사용되는 보험료

연금수령기간 중 비용 : 계약자가 연금을 받는 동안 계약관리에 사용할 목적으로 보험회사가 계약자에게 부담시킨 비용

해지공제금액 : 보험가입이후 시점별로 계약자가 보험을 해지하는 경우 계약자 적립금에서 공제하는 금액

해지공제비율 : 보험 가입이후 경과시점별로 (해지공제금액 ÷ 이미 납입한 보험료)로서 계산한 비율

추가납입 관계비용나 중도인출수수료 : 계약자가 보험료를 추가납입하거나 중도 인출하는 경우 부담하는 비용․수수료

보험료지수 : (영업보험료 ÷ 표준순보험료)로서, 보험료 지수가 낮을수록 해당 보험상품의 보험료는 저렴하다고 판단할 수 있음

보장위험별 연간보험료 : 특정 위험에 대해 1년 동안 보장받기 위해 계약자가 지불해야 하는 보험료

 

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