사망보험금 연금처럼 쓴다? 보험사 뒤에서 웃는 이유 (언더스탠딩 장순원 기자)

[This video was summarized using AI] 💡Summary Death benefit securitization allows you to withdraw a portion of your whole life insurance death benefit before death, like a pension. Simply put, the death benefit is reduced each year, and the corresponding amount is received in cash before death. This reduces the final insurance benefit received by your surviving family. Insurance companies welcome this, as it reduces the burden of high-interest fixed-rate whole life insurance policies. For consumers, it's a slightly better deal than the surrender (refund) payment, but ultimately, it's a choice to withdraw 40-50 million won instead of 100 million won, so it's not worth it if you have the means. For those in their 60s and 70s who need cash urgently, have grown children, and have less need for an inheritance, this option is a viable option. 📌Key Topics The Stagnation of the Death Benefit Securitization System A Structure That Draws Out Death Benefits Like a Pension How Much Money Is Paid Out: Smaller Payouts Than Expected Why Insurance Companies Are Smiling: Reducing the Burden of High-Interest Fixed-Rate Plans Who Benefits: Focusing on the Elderly, Who Needs Cash More Than Inheritance 👉 Understanding Inquiries: [email protected] 👉 "Understanding Text" in Print. https://contents.premium.naver.com/ba... 👉 Sign Up for Understanding Membership    / @understanding.