2019년 최고의 종신보험 비교 추천

종신보험은 정해진 보장기간이 없이 피보험자가 사망하면 보험금을 지급하는 대표적 생명보험 상품입니다. 밸류챔피언에서는 20-60대 남녀 보험료를 직접 조사하여 상품별 보험료를 비교하고 가성비가 높은 상품을 선별하였습니다. 보험료 책정시 건강상태나 해지환급금 크기에 따라 보험료가 차등 적용되므로, 이러한 점에 주목해 최적의 상품을 선택하시기 바랍니다.

추천 종신보험 목록

2019년 가장 저렴한 종신보험 비교

종신보험은 사망보험의 일종으로, 정해진 기간 없이 피보험자가 언제 사망하든 보험금을 지급하는 대표적 생명보험 상품입니다. 가입기간과 납부기간이 길고 보험료가 비교적 높다는 특징 때문에, 사망보험금만 지급하는 형태에서 재테크 수단으로 응용할 수 있도록 유니버셜, 변액, 연금 등의 기능이 추가된 상품들이 많이 출시되었는데요. 밸류챔피언에서는 종신보험 상품 본연의 가성비를 비교하기 위해 순수 종신보험 20개 상품을 선별하고, 할증 및 할인 특징을 정리해 2019년 최고의 종신보험을 선정하였습니다.

종신보험 20년납 상품 기준 월 보험료를 비교한 그래프입니다

가성비 극강의 종신보험: 라이프플래닛(온라인), 하나생명(대면)

추천 대상: 온라인 가입을 통해 독보적으로 낮은 보험료와 든든한 보장 두 마리 토끼를 잡고자 하는 분

교보라이프플래닛생명 라이프플래닛e종신보험III는 타사 대비 보험료가 압도적으로 저렴하고 해지환급금이 높아 인터넷을 통한 보험 가입을 기꺼이 하실 수 있는 분들에게는 두말 할 나위 없이 적합한 상품입니다. 가입금액 1억원, 20년납 기준 35세 남성의 보험료는 159,100원이며 여성은 137,000원입니다. 이는 업계평균 대비 무려 30% 가까이 저렴한 수준으로, 보험료 대비 보장 가성비는 동급 최강에 속합니다. 또한 성별, 연령에 관계 없이 보험료가 저렴하고 건강 고객 할인율이 압도적으로 높을 뿐만 아니라, 중도해지 시 보험료 환급률도 높습니다. 이러한 특징을 두루 가진 덕분에 본 상품은 종신보험의 팔방미인이라 할 수 있겠습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

종신보험 일반형교보라이프플래닛생명업계평균
월 보험료(35남)159,100원218,928원
월 보험료(45남)209,200원276,985원
월 보험료(35여)137,000원193,599원
월 보험료(45여)179,200원243,012원
해지환급률(1년)27%3%
해지환급률(5년)87%71%
보장성보험 민원율-3.3건
보험금 부지급률1.49%0.91%
보험금 불만족도0.00%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.
(무)행복한생애설계종신보험

추천 대상: 대면상품 중 가성비가 독보적으로 뛰어난 종신보험을 찾으시는 분

하나생명 행복한생애설계종신보험은 대면 상품 중 독보적으로 낮은 보험료를 자랑합니다. 가입금액 1억원, 20년납 기준 35세 남성의 보험료는 월 195,000원, 여성 보험료는 월 171,600원으로 업계평균 대비 10% 이상 저렴합니다. 또한 중도해지시 환급금이 타사 대비 월등히 높으므로, 수입이 일정하지 않거나 중간에 변심 가능성이 있는 소비자에게는 합리적인 선택이 되겠습니다. 본 상품은 건강체 할인이 적용되지 않으므로 체질량지수(BMI), 혈압 등 신체조건이 우수하고 건강체 할인 기회를 노리는 분들은 유의하시기 바랍니다. 2019년 기준 하나생명은 업계평균 대비 우수한 고객만족도 지표(보험금 지급, 민원 관련)를 나타내었습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

종신보험 일반형하나생명업계평균
월 보험료(35남)195,000원218,928원
월 보험료(45남)246,675원276,985원
월 보험료(35여)171,600원193,599원
월 보험료(45여)216,450원243,012원
해지환급률(1년)29%3%
해지환급률(5년)81%71%
보장성보험 민원율2.3건3.3건
보험금 부지급률0.32%0.91%
보험금 불만족도0.00%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.

저해지환급형 우수 종신보험

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Image\" data-eventlabel=\"(\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\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)\uc18c\uc911(\u5c11\u91cd)\ud55c\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\/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: (\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - 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Image\" data-eventlabel=\"(\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\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)\uc18c\uc911(\u5c11\u91cd)\ud55c\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\/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: (\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - 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저해지환급형 종신보험은 일반형과 무해지환급형의 장점을 결합한 상품으로, 해지환급금이 일반 상품 대비 50% 적은 대신 보험료가 저렴한 것이 특징입니다. 오렌지라이프생명, 동양생명, ABL생명은 각기 다른 성별, 연령대에서 저렴한 종신보험을 제공합니다. 특히 오렌지라이프 용감한오렌지종신보험(저해지환급금)은 50대 이하 전 연령대 보험료가 평균 대비 20% 이상 독보적으로 저렴해, 젊은 소비자에게 두루 적합합니다. 또한 동양생명 수호천사알뜰한통합종신보험(저해지환급형)은 특히 여성 보험료가 저렴하고, 건강체 할인율이 높습니다. ABL생명 소중(少重)한통합종신보험(저해지환급형)은 남녀 전 연령대 보험료가 저렴하며 보장성 보험의 민원율이 업계평균 대비 낮은 것이 장점입니다. 3사 보험료는 성별, 연령에 따른 미세한 차이는 있지만 35세 남성 기준 약 월 18만원이며, 여성은 약 월 16만원으로 나타났습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

저해지환급형(50%)오렌지라이프동양생명ABL업계평균
월 보험료(35남)178,480원181,390원182,360원194,413원
월 보험료(45남)229,890원235,710원232,800원246,042원
월 보험료(35여)162,960원155,200원157,140원172,090원
월 보험료(45여)208,550원197,880원197,880원214,522원
해지환급률(1년)0%0%0%0%
해지환급률(5년)42%42%43%40%
보장성보험 민원율6.6건1.5건0.4건3.3건
보험금 부지급률1.03%0.58%0.60%0.9건
보험금 불만족도0.41%0.18%0.46%0.4건
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.

중도해지 하지 않을 경우 유리한 종신보험

추천 대상: 납기가 끝나기 전까지는 중도해지 환급금이 없고 보험료가 저렴한 무해지환급형 상품을 찾으시는 분

무해지환급형 종신보험은 보험료가 낮으나 보험료 납부가 끝나기 전까지는 그동안 낸 보험료에 대한 환급금이 지급되지 않는 상품입니다. 따라서 수입이 안정적이고 장기 계약을 유지할 것이 확실한 분들에게 적합합니다. 라이나생명 THE건강해지는종신보험(무해지환급형)은 60세 이하 전 연령대에서 타사 대비 보험료가 월등히 저렴해 무해지환급형 우수 상품으로 선정되었습니다. 가입금액 1억원, 20년납 기준 35세 남성의 보험료는 월 144,000원이며 35세 여성은 월 128,000원으로 업계평균 대비 3-4% 가량 저렴합니다. 2019년 현재 라이나생명은 우수한 고객만족도 지표를 나타내고 있습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

무해지환급형라이나생명업계평균
월 보험료(35남)144,000원150,067원
월 보험료(45남)184,000원193,273원
월 보험료(35여)128,000원131,620원
월 보험료(45여)159,000원165,270원
해지환급률(1년)0%0%
해지환급률(5년)0%0%
보장성보험 민원율1.6건3.3건
보험금 부지급률0.55%0.91%
보험금 불만족도0.58%0.39%
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.

중도해지 환급금이 높은 종신보험

{"items":["\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)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162 - Image\" data-eventlabel=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" 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\/KPL\" 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\/KPL 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\/KPL 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)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162 - 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Image\" data-eventlabel=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" 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\/KPL\" 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\/KPL 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\/KPL 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)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162 - Button\" data-eventlabel=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" 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)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8 - Image\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\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\/HNL\" 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\/HNL 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\/HNL 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)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8 - Button\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" 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)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8 - Image\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\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\/HNL\" 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\/HNL 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\/HNL 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)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8 - Button\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" 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: \ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58 - Image\" data-eventlabel=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" rel=\"noopener\" target=\"_blank\" title=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" 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\/MAL\" 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\/MAL 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\/MAL 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: \ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58 - Button\" data-eventlabel=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" 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: \ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58 - Image\" data-eventlabel=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" rel=\"noopener\" target=\"_blank\" title=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" 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\/MAL\" 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\/MAL 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\/MAL 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: \ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58 - Button\" data-eventlabel=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\ubbf8\ub798\uc5d0\uc14b\uc0dd\uba85 \uc885\uc2e0\ubcf4\ud5d8 \ubb34\ubc30\ub2f9 \uc2dc\uac04\uc758 \uac00\uce58\" 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)\uc18c\uc911(\u5c11\u91cd)\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - Image\" data-eventlabel=\"(\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\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)\uc18c\uc911(\u5c11\u91cd)\ud55c\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\/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: (\ubb34)\uc18c\uc911(\u5c11\u91cd)\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - 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종신보험과 같은 계약기간이 장기인 상품에 있어서 해약 환급금은 가입시 중요한 고려요소입니다. 적게는 수년부터 많게는 수십년까지 보험료를 납입하고 계약을 유지해야 하는 반면, 그 기간 동안 예기치 못한 경제적 상황이 쉽게 발생할 수 있기 때문입니다. 밸류챔피언 조사 결과, 환급형(일반) 상품 중에서는 보험료 절대우위를 차지하는 교보라이프플래닛생명과 하나생명의 종신보험이 해약 환급금도 높게 지급되는 것으로 나타났습니다. 양사 모두 타사에서는 제공되지 않는 1년차 해약환급금을 지급하며, 2년차 이후에도 업계평균 대비 월등히 높은 환급금을 지급해 경제적 상황에 따라 유연하게 계약 해지를 하실 수 있습니다. 저해지환급형(50%) 중에서는 미래에셋생명과 ABL생명에서 가입 2년후부터 환급률이 20%가 넘고, 타사대비 보험료가 매우 저렴해 해지환급금 우수 상품으로 선정되었습니다. 2019년 현재 4개 보험사 모두 양호한 고객만족도 지표를 보유하는 것으로 나타났습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

라이프플래닛하나미래에셋ABL
상품종류일반일반저해지환급저해지환급
해지환급률(1년)27%29%0%0%
- 업계평균(1년)3%3%0%0%
해지환급률(5년)87%81%43%43%
- 업계평균(5년)71%71%40%40%
해지환급률(10년)97%90%50%49%
- 업계평균(10년)82%82%46%46%
월 보험료(35남)159,100원195,000원183,260원182,360원
- 업계평균(35남)218,928원218,928원194,413원194,413원
월 보험료(35여)137,000원171,600원159,740원157,140원
- 업계평균(35여)193,599원193,599원172,090원172,090원
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.

건강하면 할인받는 종신보험

추천 대상: 파격적인 보험료 할인을 위해 체질량지수(BMI), 혈압, 피검사 결과 등 서류를 제출할 의사가 있으신 분

건강체 할인이란 체질량지수(BMI), 혈압, 혈당 등 보험사에서 지정한 건강지표를 제출하면 종신보험료를 5-10% 할인해주는 제도로, 2019년 건강체 할인을 시행하고 있는 7개 보험사 중 교보라이프플래닛생명 라이프플래닛e종신보험III는 원래 보험료가 매우 저렴할 뿐만 아니라, 건강체 할인을 적용하면 해지환급형(일반) 상품임에도 불구하고 보험료가 저해지환급형 상품 수준까지 낮아져 더할 나위 없이 높은 수준의 가성비를 자랑합니다. 건강체 할인 적용된 보험료는 35세 남성이 월 151,600원, 35세 여성이 133,300원으로 업계평균 대비 25% 가량 저렴합니다. 다만 가입금액 1억원 이상일 경우 '건강체' 혹은 '슈퍼건강체' 인정을 받기 위해서는 비교적 복잡한 검사와 상담원 방문절차를 거쳐야 하는 점 유의하시기 바랍니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

일반형(건강체 할인)교보라이프플래닛생명업계평균
월 보험료(25남)116,500원164,349원
월 보험료(35남)151,600원206,164원
월 보험료(45남)199,400원262,286원
월 보험료(55남)266,400원340,005원
월 보험료(25여)102,800원146,654원
월 보험료(35여)133,300원183,041원
월 보험료(45여)174,300원230,894원
월 보험료(55여)230,300원295,103원
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.

20-30대 가입자에게 유리한 종신보험

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Image\" data-eventlabel=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162\" 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\/KPL\" 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\/KPL 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\/KPL 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)\ub77c\uc774\ud504\ud50c\ub798\ub2dbe\uc885\uc2e0\ubcf4\ud5d8\u2162 - 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Image\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\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\/HNL\" 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\/HNL 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\/HNL 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)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8 - Button\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" 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)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8 - Image\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\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\/HNL\" 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\/HNL 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\/HNL 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)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8 - Button\" data-eventlabel=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\ud589\ubcf5\ud55c\uc0dd\uc560\uc124\uacc4\uc885\uc2e0\ubcf4\ud5d8\" 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: \uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9) - Image\" data-eventlabel=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" rel=\"noopener\" target=\"_blank\" title=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" 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\/OGL\" 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\/OGL 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\/OGL 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: \uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9) - Button\" data-eventlabel=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" 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: \uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9) - Image\" data-eventlabel=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" rel=\"noopener\" target=\"_blank\" title=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" href=\"\/redirect?link=https%3A%2F%2Fext.myrealplan.co.kr%2Fguest%2F%3Ffunnel%3Dvalue_champion\"\u003E\u003Cimg alt=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" 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\/OGL\" 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\/OGL 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\/OGL 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: \uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9) - Button\" data-eventlabel=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"\uc6a9\uac10\ud55c \uc624\ub80c\uc9c0 \uc885\uc2e0\ubcf4\ud5d8(\ubb34\ubc30\ub2f9)\" 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)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - Image\" data-eventlabel=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\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\uc54c\ub730\ud55c\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\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - Button\" data-eventlabel=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" 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)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - Image\" data-eventlabel=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" rel=\"noopener\" target=\"_blank\" title=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\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\uc54c\ub730\ud55c\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\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8 - Button\" data-eventlabel=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" class=\"ShortcodeLink--root AffiliateButton--button js-event-click\" rel=\"nofollow noopener\" target=\"_blank\" title=\"(\ubb34)\uc218\ud638\ucc9c\uc0ac\uc54c\ub730\ud55c\ud1b5\ud569\uc885\uc2e0\ubcf4\ud5d8\" 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}

오렌지라이프생명 용감한오렌지종신보험(50% 환급형)은 35세 남성 기준 월 보험료가 178,480원으로 타사 대비 8% 가량 낮으며, 20-40대 연령대의 보험료가 특히 저렴합니다. 동양생명 수호천사알뜰한통합종신보험(50% 환급형) 역시 35세 남성 기준 월 보험료는 181,390원으로 매우 저렴한 편이며, 20-30대 연령대의 보험료 경쟁력이 상당히 높은 것으로 나타났습니다. 환급금을 100% 지급하는 일반형 상품 중 보험료가 저렴한 곳은 교보라이프플래닛생명과 하나생명으로, 20-30대 뿐만 아니라 전 연령대에 걸쳐 보험료 경쟁력이 일관되게 높습니다. 그러므로 일반형 종신보험에 가입하고자 할 경우 연령대보다는 보험사의 고객만족도 지표, 보험금 지급 척도 등을 이용해 각 보험사를 비교해보는 것이 좋겠습니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

라이프플래닛하나생명오렌지라이프동양생명
상품종류일반일반저해지환급저해지환급
월 보험료(25남)122,600원156,000원141,620원143,560원
- 업계평균(25남)175,605원175,605원157,435원157,435원
월 보험료(25여)105,600원137,475원129,010원123,190원
- 업계평균(25여)155,702원155,702원139,576원139,576원
월 보험료(35남)159,100원195,000원178,480원181,390원
- 업계평균(35남)218,928원218,928원194,413원194,413원
월 보험료(35여)137,000원171,600원162,960원155,200원
- 업계평균(35여)193,599원193,599원172,090원172,090원
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.

50-60대 가입자에게 유리한 종신보험

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50-60대 장년층 소비자 중 인터넷 가입이 편리한 분들은 교보라이프플래닛생명을, 대면상품을 선호하시는 분은 중도 해지 확률에 따라 푸본현대생명 혹은 하나생명 종신보험을 선택하시는 것을 추천드립니다. 우선 교보라이프플래닛생명 라이프플래닛e종신보험III은 인터넷 가입 상품으로, 해지환급금 지급 상품 중 55세 남성 보험료가 279,600원(가입금액 1억, 20년납 기준)으로 매우 저렴합니다. 반면 대면가입 상품 중에서는 푸본현대생명의 MAX종신보험라이트가 저해지환급형(50%)으로써 보험료가 비교적 저렴하고(55세 남성 월 299,730원), 하나생명 행복한생애설계종신보험은 일반 환급형(100%)이면서 55세 남성의 보험료가 월 318,825원으로 상당히 저렴한 편입니다.

위 마이리얼플랜 링크를 통해 자신에게 맞는 최적의 종신보험을 조회해 보세요.

라이프플래닛하나생명푸본현대생명
상품종류일반일반저해지환급
월 보험료(55남)279,600원318,825원299,730원
- 업계평균(55남)357,457원357,457원320,288원
월 보험료(55여)237,100원275,925원258,020원
- 업계평균(55여)309,782원309,782원272,938원
월 보험료(65남)620,100원695,175원687,730원
- 업계평균(65남)768,521원768,521원744,830원
월 보험료(65여)537,300원613,275원604,310원
- 업계평균(65여)690,577원690,577원650,673원
자료: 각 보험사 및 생명보험협회. 가입금액 1억원, 25-55세는 20년납, 65세는 10년납 기준. 해지환급률은 35세 남성 가입자, 보장성보험 민원율은 계약 10만건당 접수된 민원건수를 나타냄.

조사 방법론

대한민국 20개 생명보험사의 종신보험을 일반형(해지환급금 100% 지급), 저해지환급형(50%), 무해지환급형(0%)으로 구분하여 남녀 25세부터 65세까지 보험료 견적을 산출하는 방식으로 보험료, 보장, 가성비를 비교하였습니다. 생명보험 본연의 목적에 충실한 상품만을 비교하기 위하여 유니버셜 기능 없음, 변액 기능 없음, 연금기능 없음, 보장금액이 체증 또는 체감되지 않는 종신보험을 보험사 별로 1개씩 선정하였습니다. 비교 조건을 통일하기 위해 주계약 가입금액은 1억원, 25-55세의 납기는 20년, 65세의 납기는 10년으로 설정하였습니다. 일부 보험사의 경우 60대 가입자는 10년납보다 납입기간을 짧게 설정하도록 되어 있어, 이 경우 현재가치(PV)의 원리를 이용해 10년납 보험료로 환산하여 나타낸 후 해당 값에 별도로 주기하였음을 일러둡니다.

기준가정
사망보험의 종류순수 종신보험
유니버셜기능 / 변액기능 / 연금 및 생활비 기능없음 / 없음 / 없음
보장금액 체감·체증여부보장금액 고정
계약주계약(사망)만 가입, 특약 가입하지 않음
가입금액1억원
가입연령남녀 25세, 35세, 45세, 55세, 65세
납기20년(25-55세), 10년(65세)
만기종신

마치며

종신보험은 보험료가 상당히 높고, 가입기간 및 보험계약 기간이 많게는 수십 년으로 길다는 점에서 다른 보장성 보험과는 차별화됩니다. 따라서 다양한 경제적, 환경적 시나리오에 대비할 수 있는 가성비 우수 상품을 처음부터 잘 선택하는 것이 매우 중요합니다. 다행히도 2019년 4월 경험생명표를 반영한 종신보험 상품들의 보험료가 인하되면서, 소비자의 지갑은 가벼워지고 선택의 폭이 넓어졌습니다. 포괄적 사망 보장을 제공하는 대표적 상품인 종신보험은 상속재산 보호 등의 용도로 쓰이기도 하는데요. 이와 같이 가입자의 목표와 보험 가입 의도에 따라 보험상품의 종류와 가입금액, 기능을 달리하는 것이 현명한 재테크라고 할 수 있습니다. 밸류챔피언의 분석이 여러분의 개인금융 생활에 도움드리길 바랍니다.

종신보험 조사대상 생명보험사 목록

종신보험 조사대상 생명보험사
한화생명ABL생명삼성생명
흥국생명교보생명신한생명
푸본현대생명KB생명KDB생명
미래에셋생명NH농협생명교보라이프플래닛생명
라이나생명AIA생명푸르덴셜생명
오렌지라이프생명하나생명메트라이프생명
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.