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新加坡大额保单｜你有听说过指数万能险吗

指数万能险（Indexed Universal Life，简称IUL），是一种与万能险（Universal Life，简称UL）相似的终身寿险产品，它最早起源于美国，并迅速成为美国市场上发展最快、市场份额较大的保险产品之一。IUL提供了与传统寿险不同的特性，包括更高的人寿杠杆、较高的投资收益、灵活的投资策略选择、可申请保单贷款、规避遗产税等优势。

而现在，这个风吹到了东南亚市场，成为高净值人士资产配置中的一环。指数万能险（IUL）是一种与市场指数表现挂钩的保险产品，它提供了潜在的高回报，同时保证保底收益。以下是几个IUL如何运作的具体例子：

  1. 保底和封顶： 假设IUL产品选择了标准普尔500指数（S&P 500），并设定了0%的保底和10%的封顶。如果一年内S&P 500指数上涨了8%，那么IUL产品的现金价值也会上涨8%。但如果S&P 500指数下跌了，现金价值则不会下跌，保证至少为0%的收益。
  2. 参与率： 参与率（Participation Rate）决定了现金价值可以参与指数增长的比例。例如，如果IUL保单的参与率是80%，而S&P 500指数增长了5%，那么保单的现金价值将增长4%（5% x 80%）。
  3. 费用和成本： IUL保单通常会有一些费用，如保费存入时的收费、月费、保单费用和保险成本收费等。例如，保费存入时的收费可能在7%-10%之间，而保险成本收费（COI）会根据被保险人的年龄、健康状况和保额等因素计算。
  4. 灵活性： IUL保单提供了调整保费和保额的灵活性。如果现金价值增长到一定程度，投保人甚至可以选择停止支付保费，而保单依然有效。
  5. 税务优势： IUL保单的现金价值增长通常是免税的，只有当提取超过已付保费的部分时，才需要缴纳税款。
  6. 生前福利： 某些IUL保单提供生前福利，如长期护理保险、重症疾病保险等附加条款（Riders），这些附加条款可能需要额外的费用。
  7. 历史表现： 从历史数据来看，IUL保单的长期回报可能比直接投资股市更稳定。例如，过去20多年中，使用0%保底和10.5%封顶的IUL策略，其年化回报率通常高于直接投资S&P 500的回报。

希望这个分享能帮你更好地理解指数万能险！如果你也有传承财富的计划，不妨考虑一下这个工具哦！😊

下一步？

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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.

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