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손에 잡히는 경제

손에 잡히는 경제

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[상담소] 11/5(화) 30년 만기 환급형 보험, 해지해야 될까요?

[상담소] 11/5(화) 30년 만기 환급형 보험, 해지해야 될까요?

2024-11-05
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[고민 사연] 안녕하세요. 해외 거주 중, 올해 초에 한국을 방문해서 아이들 보험을 가입했는데, 제대로 잘 가입했는지 궁금합니다. 해외에 거주한다는 이유로 국내 보험이나 금융상품엔 관심이 전혀 없었는데, 문득 두 딸아이에게 큰 자산을 물려주진 못 하더라도 보험 하나 정도는 해 줘야겠다는 생각이 들었습니다. 그래서, 보험을 알아보던 중, 질병 등을 보장하면서 만기가 되면 목돈을 찾거나 연금으로 전환이 가능하고, 비과세 혜택도 되는 보험이 있다는 말에, 급히 가입 후 한국을 떠나왔습니다. 그런데 제대로 비교도 못 해보고 무턱대고 가입한 것은 아닐까 하고 최근 후회스럽더라고요. 차라리 ISA를 만들어서 매월 보험료만큼 납입해 주거나, 아니면 국민연금에 가입하는 게 낫지 않을까 하는 생각도 듭니다. 현재 납입한 보험료는 두 아이 합쳐 약 250만원 정도고 해지시 환급은 0%입니다. 최소 2년 납입을 하면 원금의 44%인 금액을 환급받을 수 있다고 하네요. 이 보험 상품을 계속 유지하는 게 어떤 의미가 있을지, 원금 손해를 보더라도 해지 하는 게 나을지 알고 싶습니다.
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