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新加坡定期寿险

虽然我们努力工作尽力为家庭提供最好的生活，但有些事情是我们无法控制的。如果最坏的情况发生，即使我们不在了，也希望能尽最大的努力，确保家人能得到妥善的照顾。

因此，保障家庭的未来收入、应对死亡风险，是家庭支柱在财务规划中必须考虑的重要事项。而定期寿险被广泛认为是最有效且性价比高的金融工具之一。

本文章旨在解释定期寿险保单的运作方式、主要特点，以更好的了解此保险的重要性。

 

什么是定期寿险？

定期寿险是一种在特定期间（如20年、30年，或直到65岁、70岁）提供财务保障的保险产品，能够在重要时刻为个人和家庭提供经济支持。定期寿险的保费通常比终身寿险更便宜，它的设计简单灵活，保费较低，适合家庭责任重或事业刚起步的人士。

定期寿险在规定的期限内提供因身故或全残的保障。如果被保人在保险期内去世，受益人将获得赔偿金。由于它是一种消费型保险，如果在保障期内没有发生身故或重疾，消费者将无法获得赔偿，且保单没有现金价值。

新加坡定期寿险 — Engage

 

定期寿险有什么特点？

  • 固定期限：定期寿险只在特定的时间段内提供保障（比如10年、20年或30年），还可以选择保障至某个特定的年龄（如60岁、65岁或70岁等）。
  • 没有现金价值：定期寿险通常不具备现金价值积累，主要侧重于提供保障，与一些具有投资功能的保险产品不同。
  • 保费低廉：由于定期寿险不包含储蓄或投资成分，因此其保费通常低于其他类型的寿险。
  • 附加险选择：只有定期寿险可以附加多次赔付的重大疾病险，而终身寿险只能选择单次赔付。

 

为什么配置定期寿险？

1）保费便宜：新加坡定期寿险的保费比中国大陆和香港的最便宜定寿产品更便宜50%以上。主要原因是新加坡人均寿命较长，均寿为83岁，而大陆仅为76岁，较长的寿命意味着保险公司面临的赔付风险较低，从而提供更低的保费。

2）政府强制要求：新加坡政府为了让所有国民都能负担得起保险，要求每家保险公司提供简单且便宜的定期寿险产品。政府还推出了比价网站（CompareFirst），帮助消费者比较不同保险产品，促进行业竞争，降低信息差，确保产品价格透明。

3）减少逆选择风险：通过提高全民定期寿险的参保率，能有效减少逆选择的风险，帮助保险公司更好地分摊风险，从而进一步降低保费。

新加坡定期寿险 — Engage

 

如何选择合适的定期寿险？

  • 合适的保障期限
    根据个人的经济状况和家庭需求，选择适当的保障期限。如果预计在孩子独立或还清房贷后不再需要高额保障，可以选择较短的期限；如果希望长期保障，可以选择较长的期限。
  • 合适的保额
    保额应根据家庭负债、生活费用和教育费用等来决定，以确保在失去主要经济来源时，家人可以维持基本的生活水平。

 

最后，新加坡定期寿险是一种性价比高的保险，适合需要高额保障的个人和家庭。通过合理规划保额和保障期限，可以在预算内为家庭提供经济支持，确保未来的财务安全。了解定期寿险的特点和优势，并根据自身情况选择合适的保障，确保家庭在遭遇突发风险时仍能维持经济稳定。

再来，定期寿险适合那些希望以较低保费获得一定保障的人群，尤其是对于有特定期限需求的人（例如有孩子或需要偿还贷款的家庭）。但如果需要长期保障或具有现金价值的保单，终身寿险可能是更合适的选择。

 

如需了解更多关于新加坡寿险问题或咨询其他问题，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

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.

Published By:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金，達到8位數字。

目前，我在新加坡最大的獨立理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

你可以在微信視屏號，小紅書，IG , YouTube, FB 找到我哦. 都是統一名字： 馬丁的悄悄話。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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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