2019년 최고의 비변액 유니버셜 종신보험 비교 추천

유니버셜 종신보험은 순수보장형 종신보험에 보험료의 추가 납입, 납입 연기 및 적립금 인출의 자유로움을 더한 상품입니다. 따라서 기본적으로 사망에 대한 보장상품을 찾으시면서, 경제상황 변동에 따른 유연한 자금 활용을 염두에 두고 계신 분들에게 안성맞춤입니다. 밸류챔피언에서는 17개 보험사 유니버셜 상품의 보험료와 가성비, 유니버셜 기능 이용 조건 및 해지환급금까지 면밀히 분석하여 최고의 유니버셜 종신보험을 선정하였습니다.

2019년 가장 저렴한 종신보험 비교

유니버셜 종신보험은 순수보장형 종신보험에 보험료 납입과 인출의 자유로움을 더한 상품으로, 종신보험의 보험기간이 긴 것을 감안해 다양한 경제적 변동에 대비할 수 있도록 설계되었습니다. 따라서 종신보험의 본질적인 사망보장을 희망하면서도, 필요시 자금을 유연하게 활용 및 투입하고자 하는 분들에게 적합한 상품입니다. 밸류챔피언에서는 유니버셜 기능을 활용할 수 있는 17개 보험사의 비변액, 비연금형 종신보험 중에서 보험료가 저렴하고 유니버셜 기능이 우수한 상품을 선정하였습니다.

유니버셜 종신보험 보험사별 보험료 비교

가성비 종합우수 유니버셜 종신보험

추천 대상: 보험료가 저렴하고 유니버셜 기능, 해지환급금이 두루 우수한 종신보험을 찾으시는 분

동양생명 수호천사 디딤돌플러스는 보험료가 독보적으로 저렴할 뿐만 아니라 유니버셜 기능 및 계약 해지시 환급금 지급 관련 조건이 우수해 종합우수 상품으로 선정되었습니다. 우선 40세 남성의 보험료는 월 242,500원으로 업계평균 대비 6%나 저렴하고, 특히 여성의 경우 월 206,610원으로 업계평균 대비 무려 9%나 저렴합니다. 뿐만 아니라 해지시 지급하는 환급금의 비율도 10년차 기준 83%로 업계평균인 77% 대비 월등히 높습니다. 유니버셜 기능에 포함되는 납입한도는 연간 보험료의 3배로 매우 넉넉한 편이며, 인출 관련 조건은 업계평균과 대등합니다. 이와 같이 보험료가 매우 저렴하고 세부조건이 유리해, 가성비 종합우수 상품으로 선정되었습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

동양업계평균
월 보험료(40남)242,500원258,600원
월 보험료(40여)206,610원227,074원
해지환급률(2년)36%32%
해지환급률(10년)83%77%
인출조건2년 후부터 / 연12회통상 2년 후부터 / 통상 연 12회
인출 한도50%56%
납입 한도3배2.2배
종신보험 민원율15.7건21.6건
보험금 부지급률0.58%0.91%
보험금 불만족도0.18%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 20년납 기준.인출한도는 해지환급금 대비 비율, 납입한도는 연간 보험료 대비, 종신보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.
가성비 종합우수 유니버셜 종신보험 동양생명

해지환급률이 높은 유니버셜 종신보험

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Image\" data-eventlabel=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\ub514\ub524\ub3cc\ud50c\ub7ec\uc2a4\uc720\ub2c8\ubc84\uc15c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\ub514\ub524\ub3cc\ud50c\ub7ec\uc2a4\uc720\ub2c8\ubc84\uc15c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\ub514\ub524\ub3cc\ud50c\ub7ec\uc2a4\uc720\ub2c8\ubc84\uc15c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/TYL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/TYL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/TYL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)\uc218\ud638\ucc9c\uc0ac\ub514\ub524\ub3cc\ud50c\ub7ec\uc2a4\uc720\ub2c8\ubc84\uc15c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - 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Image\" data-eventlabel=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" rel=\"noopener\" target=\"_blank\" title=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate death_insurance_companies: \ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - Button\" data-eventlabel=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate death_insurance_companies: \ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - Image\" data-eventlabel=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" rel=\"noopener\" target=\"_blank\" title=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/ABL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate death_insurance_companies: \ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - Button\" data-eventlabel=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ub354\ub098\uc740(\ubb34)ABL\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - Image\" data-eventlabel=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - Button\" data-eventlabel=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - Image\" data-eventlabel=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/KBL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - Button\" data-eventlabel=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\uad50\ubcf4\ud558\ub098\ub85c\ucf00\uc5b4\uc885\uc2e0\ubcf4\ud5d8\u2161(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

종신보험은 보험료가 높고 납입기간이 길어 중도 해지율이 높습니다. 혹시 모를 경우를 대비해 해지 후 보험료를 최대한 많이 돌려받을 수 있는 상품을 찾으신다면 DB생명 10년더드림(Dream), 동양생명 디딤돌유니버셜, ABL생명 더나은 유니버셜, 또는 교보생명 하나로케어종신보험을 추천드립니다. 특히 DB생명은 월 보험료가 251,500원으로 저렴하고 해지가 잦은 10년차 환급률이 87%로 업계에서 독보적으로 높습니다. 동양생명은 월 보험료가 보다 저렴한 242,500원으로, 10년차 환급률은 83%로 업계평균인 77% 보다 월등히 높습니다.

ABL생명과 교보생명은 보험료가 각각 월 259,000원과 263,100원으로 업계 평균과 비슷하거나 약간 높은 편입니다. 다만 해당 상품은 최초 2년 내 해지할 경우 환급률이 높은 것이 특징입니다. 따라서 가입시 중장기적인 경제 상황 및 수입 안정성을 고려해 상품을 선택하시는 것이 현명하겠습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

DB동양ABL교보업계평균
월 보험료(40남)251,500원242,500원259,000원263,100원258,600원
월 보험료(40여)221,900원206,610원223,000원234,200원227,074원
해지환급률(2년)34%36%35%37%32%
해지환급률(10년)87%83%83%81%77%
인출조건2년 / 연12회2년 / 연12회3년 / 연4회2년 / 연12회통상 2년 / 통상 연 12회
인출 한도70%50%50%50%56%
납입 한도3배3배3배2배2.2배
종신보험 민원율26.9건15.7건3.9건13.6건21.6건
보험금 부지급률1.11%0.58%0.6%0.88%0.91%
보험금 불만족도0.58%0.18%0.46%0.36%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 20년납 기준.인출한도는 해지환급금 대비 비율, 납입한도는 연간 보험료 대비, 종신보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.
해지환급금 높은 유니버셜 종신보험

남성에게 저렴한 유니버셜 종신보험

추천 대상: 가장 저렴한 유니버셜 종신보험에 가입하고자 하는 남성

오렌지라이프 오렌지퍼펙트는 남성 보험료가 타사 대비 독보적으로 저렴한 것이 특징입니다. 40세 남성 기준 보험료는 월 229,680원으로, 업계평균 대비 약 11% 저렴하여 종신보험에 가입하고 싶지만 주머니사정에 민감한 분들에게는 두말할 나위 없이 훌륭한 선택이 되겠습니다. 보험료 인출 및 추가납부에 관한 조건은 타사 대비 비슷하거나 조금 불리한 수준이므로 유니버셜 기능을 자주 이용하실 분들은 가입전 한도 및 수수료를 꼼꼼히 비교해 보시기 바랍니다. 또한 해지시 지급되는 환급금이 보험료가 타사 대비 약간 낮아, 중도해지를 염두에 두신 분이라면 가입시 예상 해지환급금을 검토해 보시는 것이 현명하겠습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

오렌지라이프업계평균
월 보험료(40남)229,680원258,600원
월 보험료(40여)206,910원227,074원
해지환급률(2년)26%32%
해지환급률(10년)67%77%
인출조건3년 후부터 / 연12회통상 2년 후부터 / 통상 연 12회
인출 한도50%56%
납입 한도2배2.2배
종신보험 민원율12.6건21.6건
보험금 부지급률1.03%0.91%
보험금 불만족도0.41%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 20년납 기준.인출한도는 해지환급금 대비 비율, 납입한도는 연간 보험료 대비, 종신보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.
남성에게 저렴한 유니버셜 종신보험

적립금 인출 조건이 간단한 상품

추천 대상: 인출가능 한도가 높고 인출 조건이 덜 까다로워 유니버셜 기능을 제대로 활용할 수 있는 상품을 찾으시는 분

유니버셜 종신보험의 가장 큰 특징은 계약을 해지하지 않고도 적립금을 인출할 수 있다는 점입니다. 이때 인출에 관한 조건이 덜 까다로울 수록 자금 사용을 보다 자유롭게 할 수 있는데요. 신한생명 탄탄든든 유니버설종신보험의 인출한도는 해지환급금 대비 100%로 독보적으로 높을 뿐만 아니라, 드물게 인출 수수료를 부과하지 않는 상품입니다. 또한 보험 시작 1개월 만에 적립금 인출이 가능해(타사 평균 2년) 유연한 자금 활용이 가능한 것이 특징입니다. 보험료는 40세 남성 기준 월 250,260원으로 최저가 상품 대비 약간 높지만, 업계평균(258,600원) 대비 3% 가량 저렴합니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

신한업계평균
월 보험료(40남)250,260원258,600원
월 보험료(40여)221,160원227,074원
해지환급률(2년)36%32%
해지환급률(10년)81%77%
인출조건1개월 후부터 / 연12회통상 2년 후부터 / 통상 연 12회
인출 한도100%56%
인출수수료무료통상 2천원
종신보험 민원율28.3건21.6건
보험금 부지급률0.97%0.91%
보험금 불만족도0.64%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 20년납 기준.인출한도는 해지환급금 대비 비율, 납입한도는 연간 보험료 대비, 종신보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.
적립금 인출 조건이 간단한 유니버셜 종신보험

보험료 추가납입이 쉬운 종신보험

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Button\" data-eventlabel=\"\ub9c8\uc74c\ub4e0\ub4e0\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8\ubb34\ubc30\ub2f91904(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ub9c8\uc74c\ub4e0\ub4e0\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8\ubb34\ubc30\ub2f91904(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate death_insurance_companies: \ub9c8\uc74c\ub4e0\ub4e0\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8\ubb34\ubc30\ub2f91904(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615) - 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Button\" data-eventlabel=\"\ub9c8\uc74c\ub4e0\ub4e0\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8\ubb34\ubc30\ub2f91904(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ub9c8\uc74c\ub4e0\ub4e0\uc720\ub2c8\ubc84\uc15c\uc885\uc2e0\ubcf4\ud5d8\ubb34\ubc30\ub2f91904(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n","\n\u003Cdiv class=\"AffiliateBannerMobile--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904) - Image\" data-eventlabel=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904) - Button\" data-eventlabel=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"AffiliateBannerDesktop--root\"\u003E\n \u003Cdiv class=\"AffiliateBanner--root \"\u003E\n \u003Cdiv class=\"AffiliateBanner--image\"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--root \"\u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container\"\u003E\n \u003Ca class=\"js-event-click\" data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904) - Image\" data-eventlabel=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" class=\"ShortcodeImage--image\" style=\"width: 200px;\" src=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBL\" srcset=\"https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_1.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBL 1x, https:\/\/res.cloudinary.com\/valuechampion\/image\/upload\/c_fit,dpr_2.0,f_auto,h_1600,q_auto,w_200\/v1\/referral_logos\/kr\/insurance\/DBL 2x\"\u003E\u003C\/a\u003E\n \n \u003C\/div\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"AffiliateBanner--link\"\u003E\n \u003Cdiv class=\"AffiliateButton--root \"\u003E\n \u003Ca data-eventcategory=\"Affiliate death_insurance_companies: (\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904) - Button\" data-eventlabel=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)10\ub144 \ub354\ub4dc\ub9bc(Dream) \uc720\ub2c8\ubc84\uc15c \uc885\uc2e0\ubcf4\ud5d8(\ubcf4\uc99d\ube44\uc6a9\ubd80\uacfc\ud615)(1904)\" href=\"\/redirect?link=https%3A%2F%2Faffiliate.valuepenguin.com%2Fredirect%3Flink%3Dhttps%253A%252F%252Fext.myrealplan.co.kr%252Fguest%252F%253Ffunnel%253Dvalue_champion\"\u003E\ub9c8\uc774\ub9ac\uc5bc\ud50c\ub79c \ubcf4\ud5d8 \uc870\ud68c \u003C\/a\u003E\n\u003C\/div\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E"],"offsetPercentage":20}

유니버셜 기능 속에는 여유자금이 있을 때 보험료를 추가 납입해 높은 이자를 받을 수 있는 기능이 포함되어 있습니다. 해당 기능을 제대로 활용하기 위해서는 납입 한도가 높아야 가입자에게 유리한데요. 동양생명 수호천사 디딤돌플러스는 이 한도가 기본 보험료의 300%(3배)로, 업계평균(약 2.2배) 대비 월등히 높을 뿐만 아니라 보험료도 월 24만원 초반대로 매우 저렴해, 여유자금 추가납입을 고려하고 있으신 분들에게 적합한 상품입니다. 또한 40세 남성 월 보험료는 242,500원으로 평균 대비 6% 이상 저렴합니다.

DB생명 10년 더드림(Dream)과 DGB생명 마음든든 종신보험 역시 납입한도가 기본 보험료의 3배로 업계평균인 2.2배 대비 매우 높습니다. 40세 남성 기준 DB생명의 보험료는 월 251,500원, DGB생명은 월 247,000원입니다. DB생명은 해지환급률이 10년차에 87%로 비교적 높은 반면(업계평균 77%), DGB생명은 업계에서 유일하게 가입 1년차부터 환급금이 지급되는 것이 특징입니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

동양DGBDB업계평균
월 보험료(40남)242,500원247,000원251,500원258,600원
월 보험료(40여)206,610원216,000원221,900원227,074원
해지환급률(2년)36%17%34%32%
해지환급률(10년)83%58%87%77%
인출조건2년 / 연12회2년 / 연12회2년 / 연12회통상 2년 / 통상 12회
인출 한도50%70%70%56%
납입 한도3배3배3배2.2배
종신보험 민원율15.7건155.1건26.9건21.6건
보험금 부지급률0.58%1.59%1.11%0.91%
보험금 불만족도0.18%0.82%0.58%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 20년납 기준.인출한도는 해지환급금 대비 비율, 납입한도는 연간 보험료 대비, 종신보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.
보험료 추가납입이 쉬운 유니버셜 종신보험

미국달러로 보장받고 싶으신 분들을 위한 상품

추천 대상: 달러의 안정성에 기반해 사망보장을 받고자 하는 분

메트라이프 달러종신보험은 독특한 종신보험입니다. 본 상품은 보험료 및 보험금이 미국달러(USD)로 표시되기 때문에, 원화소득이 발생하시는 분들은 보험기간 동안 원달러 환율의 영향을 받습니다. 다만 달러의 안정성, 특히 달러의 장기적 평가절상(환율 상승)을 예상하는 분들에게는 사망에 대한 보장, 여유자금의 저축, 외화 리스크 해소를 한방에 해결할 수 있는 방법입니다. 40세 남성 기준 월 보험료는 235.67달러(한화 약 271,021원)로 업계평균 대비 4-5% 가량 높은 편입니다. 다만 이는 고정환율(1150원/달러)을 가정한 경우로, 환율 변동에 따라 손익이 크게 달라질 수 있습니다. 따라서 외환시장에 대해 어느정도 이해를 갖추고 있으며, 사망 보장 및 달러의 안정성에 동시에 투자하고자 하시는 분들에게 본 상품을 추천드립니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

메트라이프업계평균
월 보험료(40남)271,017원258,600원
월 보험료(40여)236,900원227,074원
해지환급률(2년)32%32%
해지환급률(10년)80%77%
인출조건2년 후부터 / 연12회통상 2년 후부터 / 통상 연 12회
인출 한도50%56%
납입 한도150% x 납입기간2.2배
종신보험 민원율4.7건21.6건
보험금 부지급률1.1%0.91%
보험금 불만족도0.07%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 20년납 기준.인출한도는 해지환급금 대비 비율, 납입한도는 연간 보험료 대비, 종신보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.
달러로 납입 가능한 유니버셜 종신보험

조사 방법론

우리나라에서 현재 판매되는 종신보험을 전수조사하여 17개 보험사의 유니버셜종신보험(비변액) 상품을 추려내고 각각의 보험료와 해지환급금 및 유니버셜 이용조건 등을 비교하였습니다. 유니버셜 종신보험 본연의 목적에 충실한 상품을 비교하기 위해 변액기능이 없는 상품, 보장금액이 체증/체감되지 않는 상품, 연금으로 변환되지 않는 상품을 선별하였습니다. 비교 조건 통일을 위해 가입금액 1억원, 가입연령 40세, 납기는 20년으로 설정하였습니다.

보험료는 40세 남녀를 대상으로 조사하였으나, 보험사마다 대체로 성별/연령별 보험료 경쟁력이 일관되게 나타나므로, 큰 틀에서 본문 내용을 가성비 비교를 위한 조건으로 활용하여도 무방합니다. 실제 가입시 보험료와 보장 내용을 다시 한 번 검토해 보시는 것을 권해 드립니다.

기준가정
사망보험의 종류유니버셜 종신보험
유니버셜기능 / 변액기능 / 연금 및 생활비 기능있음 / 없음 / 없음
보장금액 체감·체증여부보장금액 고정
계약주계약(사망)만 가입, 특약 가입하지 않음
가입금액1억원
가입연령남녀 40세
납기20년
만기종신

마치며

종신보험은 보험료가 상당히 높고, 보험기간이 최고 수십 년으로 길기 때문에 경제상황 변동에 따른 해지/환급 리스크에 노출되기 쉽습니다. 유니버셜 종신보험은 계약해지 없이 보험계정에 쌓인 적립금을 인출하거나, 반대로 여유자금이 있을 경우 추가로 납부할 수 있는 기능을 추가함으로써 장기보험의 활용성을 높인 상품입니다. 따라서 순수 사망보장을 필요로 하면서, 비교적 유연한 보험자금 활용을 희망하시는 분이라면 유니버셜 종신보험을 통해 현명한 재테크를 하실 수 있습니다. 밸류챔피언의 분석이 윤택한 개인금융 설계에 도움 드리길 바랍니다.

유니버셜 종신보험 조사대상 생명보험사
한화생명ABL생명삼성생명
흥국생명교보생명신한생명
KB생명DGB생명KDB생명
미래에셋생명NH농협생명AIA생명
오렌지라이프생명DB생명메트라이프생명
동양생명처브라이프생명
Kyuhoon Kim

김규훈(Kyuhoon Kim) 애널리스트는 보험관련 분석업무를 하고 있습니다. 밸류챔피언에서 근무하기 전에는 미국 밴더빌트대학교(Vanderbilt University)에서 컴퓨터공학 및 경제학을 전공하였습니다.

본 게시물은 밸류챔피언에서 대가관계 없이 작성한 게시물입니다. 보험료 및 보장 등에 대한 자세한 사항은 반드시 해당 보험사의 웹사이트와 약관 및 상품설명서를 참조하시기 바랍니다.