保證給付失能險，搞懂買對不求人，內含圖解懶人包，罐頭保單分享

2020保證給付，失能險，推薦嗎？好嗎？A957煉金保險都幫你整理好了，買對保險不求人，複雜的保單條款跟理賠項目，哪些部分是保證給付，一次就可以看懂。

如果看完本文，還沒讓你對保證給付失能險，保險規劃有概念，都失去了網路行銷的出發點，分享有用的資訊整理內容，買保險是長年期的理財規劃，如何幫自己降低保費，又能獲取的相對保障，是身為上班族的你，不能錯過的人生大事。

<h1 class="entry-title" itemprop="headline" style="box-sizing: inherit; border: 0px; font-size: 1.5rem; font-style: normal; font-weight: 400; margin: 0px 0px 0.2em; outline: 0px; padding: 0px; vertical-align: baseline; clear: both; color: rgb(58, 58, 58); line-height: 1.2; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"> 保證給付失能險，搞懂買對不求人，內含圖解懶人包，罐頭保單分享

重要保險觀念，建議本文必看

<p style="box-sizing: inherit; border: 0px; font-size: 20px; font-style: normal; font-weight: 400; margin: 0px 0px 1.49em; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(58, 58, 58); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">保證給付失能險，只剩下台壽、遠雄、宏泰保險公司，停售或是漲價，跟身為韭菜的消費者何關？要如何挑選適合保險規劃，可從理賠跟保費去量化評估。

<p style="box-sizing: inherit; border: 0px; font-size: 20px; font-style: normal; font-weight: 400; margin: 0px 0px 1.49em; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(58, 58, 58); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">白話文看懂條款，圖解分析不同，一次滿滿的罐頭保單跟懶人包，幫助你脫離保險業務的話術，拿回家庭保障的自主權，身為半熟的A957煉金保險，煉金小二ABEL一步步帶你搞懂失能險是什麼？

<p style="box-sizing: inherit; border: 0px; font-size: 20px; font-style: normal; font-weight: 400; margin: 0px 0px 1.49em; outline: 0px; padding: 0px; vertical-align: baseline; color: rgb(58, 58, 58); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">PS：因資料量太大，目前暫訂一步步更新資訊中，可分享當書籤，每天追進度

<div class="no_bullets" id="toc_container" style="box-sizing: inherit; border: 1px solid rgb(170, 170, 170); font-size: 19px; font-style: normal; font-weight: 400; margin: 0px 0px 1em; outline: 0px; padding: 10px; vertical-align: baseline; background: rgb(249, 249, 249); width: auto; display: table; color: rgb(58, 58, 58); font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"> Contents [<a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#" style="box-sizing: inherit; border: 0px; font-size: 17.1px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;">hide ]

<a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#i" style="box-sizing: inherit; border: 0px; font-size: 19px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;"> 1 理性看待保證給付失能險新聞，停售？漲價？ <a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#_vs" style="box-sizing: inherit; border: 0px; font-size: 19px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;"> 2 什麼是失能扶助險？失能險 vs長照險，哪個比較推薦？ <a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#i-2" style="box-sizing: inherit; border: 0px; font-size: 19px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;"> 3 保證給付失能險，好處在哪？ <a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#i-3" style="box-sizing: inherit; border: 0px; font-size: 19px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;"> 4 失能險挑選重點，如何看懂保單條款跟理賠項目 <a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#1215180" style="box-sizing: inherit; border: 0px; font-size: 19px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;"> 5 1215台灣人壽，保證給付失能險180系列 <a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#1231" style="box-sizing: inherit; border: 0px; font-size: 19px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;"> 6 1231遠雄人壽，超好心保證給付失能險系列 <a href="https://a957ins.com/%e4%bf%9d%e8%ad%89%e7%b5%a6%e4%bb%98-%e5%a4%b1%e8%83%bd%e9%9a%aa-%e7%bd%90%e9%a0%ad%e4%bf%9d%e5%96%ae-%e5%9c%96%e8%a7%a3%e6%87%b6%e4%ba%ba%e5%8c%85/#i-4" style="box-sizing: inherit; border: 0px; font-size: 19px; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline; background-color: transparent; text-decoration: none; color: rgb(2, 116, 190); transition: all 0.2s linear 0s; text-shadow: none;"> 7 保證給付失能險，圖解懶人包整理

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2020，保證給付失能險，圖解懶人包整理

保證給付失能險，搞懂買對不求人，內含圖解懶人包，罐頭保單分享

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