揭开“平安智胜人生终身寿险(万能型)保险”的隐藏面纱最近好多朋友反映“平安智胜人生终身寿险(万能型)保险”连续存10年6000元/年不能保障终身，属于隐性合同欺诈，今日心血来潮特意拿出来算一算，比较一下具体内容。下面是银行存款和平安智胜人生终身寿险(万能型)保险的收益情况比较。先看看银行存款的收益情况，假设某人每年存款6000元，连续存入10年，而后继续存在银行19年。那么其本金和利息如下：一、一种情况是定期储蓄一年一存：第29年时能拿到本息共计124,230.23元。连续存款本金及利息表(利息按一年整存计算)年数年初结存当年存入本金本年度总金额本年存款利率(按定期一年计利)本年利息利息结存本年末总金额10.006,000.006,000.000.0300180.00180.006,180.0026,180.006,000.0012,180.000.0300365.40545.4012,545.40312,545.406,000.0018,545.400.0300556.361,101.7619,101.76419,101.766,000.0025,101.760.0300753.051,854.8125,854.81525,854.816,000.0031,854.810.0300955.642,810.4632,810.45632,810.456,000.0038,810.450.03001,164.313,974.7739,974.76739,974.766,000.0045,974.760.03001,379.245,354.0247,354.00847,354.006,000.0053,354.000.03001,600.626,954.6454,954.62954,954.626,000.0060,954.620.03001,828.648,783.2762,783.261062,783.266,000.0068,783.260.03002,063.5010,846.7770,846.761170,846.7670,846.760.03002,125.4012,972.1772,972.161272,972.1672,972.160.03002,189.1615,161.3475,161.321375,161.3275,161.320.03002,254.8417,416.1877,416.161477,416.1677,416.160.03002,322.4819,738.6679,738.641579,738.6479,738.640.03002,392.1622,130.8282,130.801682,130.8082,130.800.03002,463.9224,594.7584,594.721784,594.7284,594.720.03002,537.8427,132.5987,132.561887,132.5687,132.560.03002,613.9829,746.5789,746.541989,746.5489,746.540.03002,692.4032,438.9692,438.942092,438.9492,438.940.03002,773.1735,212.1395,212.112195,212.1195,212.110.03002,856.3638,068.4998,068.472298,068.4798,068.470.03002,942.0541,010.55101,010.5223101,010.52101,010.520.03003,030.3244,040.86104,040.8424104,040.84104,040.840.03003,121.2347,162.09107,162.0725107,162.07107,162.070.03003,214.8650,376.95110,376.9326110,376.93110,376.930.03003,311.3153,688.26113,688.2427113,688.24113,688.240.03003,410.6557,098.91117,098.8928117,098.89117,098.890.03003,512.9760,611.87120,611.8629120,611.86120,611.860.03003,618.3664,230.23124,230.2229年存入本金60,000.0029年利息总额64,230.2329年本息总额124,230.23二、另一种情况是定期储蓄五年(第26年以后混加三年、二年、一年)一存：第29年时能拿到本息共计162,954.40元。连续存款本金及利息表(利息5年4.75%3年4.25%2年3.75%1年3.25%共满28年，29年头)年数第1年存入第2年存入第3年存入第4年存入第5年存入第6年存入第7年存入第8年存入第9年存入第10年存入年末结存当年存入本金16000.006000.006000.0026000.006000.006000.0036000.006000.006000.0046000.006000.006000.0056000.006000.006000.0067425.006000.0013425.006000.0077425.006000.0013425.006000.0087425.006000.0013425.006000.0097425.006000.0013425.006000.00107425.006000.0013425.006000.00119188.447425.0016613.44129188.447425.0016613.44139188.447425.0016613.44149188.447425.0016613.44159188.447425.0016613.441611370.699188.4420559.131711370.699188.4420559.131811370.699188.4420559.131911370.699188.4420559.132011370.699188.4420559.132114071.2311370.6925441.922214071.2311370.6925441.922314071.2311370.6925441.922414071.2311370.6925441.922514071.2311370.6925441.922617413.1514071.2331484.382717413.1514071.2331484.382817413.1515865.3114071.2312820.4560170.152919633.3218719.1317979.0817413.1516380.9415865.3115126.5714528.5514071.2313237.12162954.4060000.00接...