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大额保单,富过三代!#万能寿险 案例分享

在当今财富管理领域，中高净值人士对于万能寿险的追求不仅仅因为其美元保单的特性，更源于其多元的功能和广泛的适用性。 万能寿险包括Universal life（UL）、Indexed Universal Life（IUL，指数型万能寿险，险资投资标的挂钩美港股指数）、Variable Universal Life（VUL，可变万能寿险），均为大额保额、保终身甚至至120岁的理财工具。UL和IUL最低保额为50万美元，适合广大白领阶层购买；而VUL则有更高的最低保费要求，为25万至50万美元。

以下是一些实际案例，以帮助大陆客户更好地了解如何利用万能寿险解决个人和家族财务问题：

养老规划与遗产传承： 单身妇女，55岁，有500万元现金，希望为自己留下300万元养老资金，并为两个孩子留下可观的遗产。她可以选择购买200万元保额的万能寿险，并设立家族信托，以确保子女在她过世后可以平分这笔款项，每人至少可获得300万元。

全球资产配置： 高净值人士王先生，40岁，想要全球资产配置，分散货币和地域风险。他选择购买1000万美元的IUL，通过在境外建立保单，以相对较小的保费实现全球资产的多元化配置，为未来提供财务安全。

慈善捐赠： 李太太，想要捐款300万元给慈善机构。她可以选择用100万元现金购买300万元保额的万能寿险，将慈善机构设为受益人。这样，她在当下实质上只动用了较小的现金流，并且在未来为慈善事业留下了可观的款项。

遗产税规避： 台湾首富蔡万林通过购买大额的万能寿险保单，成功规避了遗产税，为后人传承财富提供了有效手段。 企业股东互保： 公司股东通过万能寿险实施股东互保方案，避免突发状况对公司经营造成不利影响。

在新加坡，我们提供远程视频签单的万能寿险，灵活缴费，最低保额从50万美金起，为广大白领人士提供更便捷的保险选择。例如，40岁不吸烟的男性购买100万美元保额的5年缴费IUL，每年仅需缴纳42541美元，保障到70岁，到80岁退保可拿回约597821美元。

作为新桥投资咨询，我们的IFA和EAM团队在家族办公室资产配置、财富传承方面拥有丰富经验，将为您量身定制最适合的万能寿险方案。我们期待为中国大陆客户提供专业、个性化的服务，助您在财富管理中取得更卓越的成就

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Li Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策