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新加坡IUL保险：您不可不知的8个关键词

在众多新加坡保险产品中，最让投保人感到疑惑的，莫过于 指数型万能寿险（IUL）。为了帮助你更好地理解这种产品，本文将通过 8个核心关键词，带你全面解析IUL的优势与运作机制。

 

以下表案例为模板：客户75岁，已婚，育有2子，需求500万美金保额。

新加坡IUL保险：您不可不知的8个关键词 — Engage

 

1. 现金价值（Cash Value）

现金价值是IUL中的储蓄部分。

一部分保费会积累为现金价值，其增长与市场指数（如标普500指数）的表现挂钩，但不直接参与股票市场。

与保证固定回报的终身寿险不同，IUL的现金价值有机会获得更高的回报，尽管会受到”上限（Cap）和下限（Floor）”的约束，以及各个保险公司的保险成本、客户缴纳的保费有关。

*四家保险公司中，泛美人寿的积累现金价值最高。

 

2. 指数化与收益（Indexing & Returns）

IUL的指数化决定了保单如何“赚钱”：

保险公司根据市场指数的表现，计算将多少收益计入保单的现金价值账户。

即使市场表现不佳，由于设有下限，现金价值不会减少，为投保人提供了基本保障。

简单来说：指数涨时赚得更多，指数跌时也不亏本。

*如果客户选择全部跟踪固定收益，AIA友邦的积累现金价值最高，因为保底最大，前3年有4.3%P.A.。

 

3. 上限（Cap）和下限（Floor）

上限：保单设定的最高回报率，即使市场大涨，回报也不能超过上限。

下限：最低回报率，通常在0%-1%之间，确保现金价值不受市场下跌的影响。

重要提示：上限和下限既保障了投保人的收益，也帮助保险公司降低市场波动带来的风险。

*目前上限最高的是泛美人寿，但是也有保险公司没有设置上限。

 

4. IUL参与率（Participation Rate）

参与率决定市场指数增长的多少比例会计入你的现金价值。

举例：若指数增长10%，而参与率为80%，则现金价值会计入8%的增长。

部分保险公司可能会通过降低参与率来限制实际回报。

参与率可以被理解为投保人从市场增长中“分到的份额”，在选择产品时要特别留意。

*目前新加坡大部分保险公司都设置了100%的参与率，只有少部分公司参与率设置到80-90%。

 

5. 保险成本（Cost of Insurance, COI）

COI 是保险公司提供保障的费用，主要用于死亡赔付和保单管理开支。

随着年龄增长，COI会逐步增加，因为保险公司承担的风险也在增加。

年轻时投保更划算，因为较低的COI让更多保费用于积累现金价值，而非支付费用。

 

6. 退保费（Surrender Charge）

退保费是在特定期限内（通常为前8至16年）取消保单或提取现金时需支付的费用。

退保费通常在现金价值的5%-20%之间，并会随着时间减少直至消失。

因此，IUL更适合作为长期投资工具，以充分发挥其优势。

 

7. 贷款和提款选项（Loans & Withdrawals）

IUL的灵活性允许你从现金价值中借款或提款：

借款：需支付利息，但不会直接减少死亡赔付。

提款：永久减少现金价值，并可能降低死亡赔付金额。

建议：借款或提款需谨慎使用，避免对未来的财务规划产生负面影响。

 

8. 灵活调整的独特优势

IUL结合了保险保障和投资增值的双重功能：

教育储蓄：为孩子未来的教育资金保驾护航。

退休规划：提供稳定的退休收入，确保老年生活无忧。

财富传承：在不增加遗产税负担的情况下，有效传承资产。

 

总结

IUL融合了复杂的金融与保险概念，但通过上述8个关键词的解析，相信你已经对其优势和运作机制有了更清晰的理解。

 

作为一名拥有多年经验的新加坡 财务规划师，我专注于：

  • 教育储蓄与投资
  • 补充退休收入规划
  • 财富传承策略设计

 

如果您希望深入了解如何利用IUL优化您的退休财富计划，或寻找适合自己家庭的投资策略，欢迎随时联系我！ 😊

I’m JolysseWu 😊我是独立财务顾问 Jolysse 邬宇思，专注于资产规划，为您打造适合您家庭的财富方案。感谢一路以来的支持与信任！💖

新加坡IUL保险：您不可不知的8个关键词 — Engage

 

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 independent 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.

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JolysseWu 邬宇思

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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