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新加坡指数型万能寿险（IUL）：让你的保单，也能像投资一样增长

在新加坡，越来越多的人开始关注“既能保障，又能增长”的保险方案。你可能已经听过「储蓄型保险」、「终身寿险」、「投资连结保单（ILP）」等，但今天我们要谈的，是在近年悄然走红的一种高端保险计划——指数型万能寿险（Indexed Universal Life, 简称 IUL）。

一、什么是指数型万能寿险？

简单来说，IUL 是一份“可增长”的人寿保险。
它既提供了人寿保障，又让你的现金价值（Cash Value）有机会随着市场指数（例如标普500指数）表现而增长。

但与直接投资股市不同，IUL 并不会让你的资金暴露在市场风险中。
你的资金并没有真的投入股票，而是由保险公司根据指数表现“记账”利息。这意味着：

  • 当市场表现好 → 你的保单现金价值可享受较高回报

  • 当市场下跌 → 保险公司通常会提供“最低保证利率”（例如 0%），帮你挡掉下跌的风险

换句话说，IUL 是一种“下有保底、上不封顶（或有限上限）”的理财型保险。

二、为什么越来越多新加坡人选择 IUL？

1️⃣ 美元资产配置

许多新加坡的 IUL 产品以美元计价，这让投资者能在长期中：

  • 分散货币风险（尤其对新元资产比重较高者）

  • 建立一笔稳健增长的海外资产

2️⃣ 灵活的保费与提款机制

IUL 的保费缴交方式相对灵活。你可以在现金流充裕时多缴一些、资金紧张时减少甚至暂停缴费。
同时，现金价值可随时提取（或以保单贷款形式使用），帮助你在未来应对教育费、退休金、或紧急资金需求。

3️⃣ 税务与传承优势

IUL 是一种以人寿保险为核心的财富传承工具。
通常情况下，保单的身故赔偿可免税地传递给下一代（视受益人居住国税务规定而定），因此许多高净值家庭视 IUL 为跨代资产规划的关键一环。

4️⃣ 稳定回报 + 复利增长

虽然 IUL 不保证高收益，但其长期回报往往优于传统储蓄型保险。
在市场稳定增长的情况下，平均年化回报有机会达到 5%–7%，而这部分收益在保单内继续复利增长，长期威力惊人。

三、IUL 与传统储蓄险、投资连结保单（ILP ）的差别

项目 储蓄型保险 投资连结保单 (ILP) 指数型万能寿险 (IUL)
资金风险 保险公司承担 投资者承担 由保险公司“记账”指数回报
收益潜力 较低（2–3%） 较高但波动大 中等偏高（视指数表现）
保底利率 有 无 通常有（0% 保底）
保费弹性 较固定 较弹性 非常灵活
适合人群 保守型 进取型 追求稳健与灵活平衡者

四、谁适合考虑 IUL？

✅ 年龄介于 30–60 岁，希望兼顾保障与财富增长
✅ 已有基本保险保障，希望提升资产配置效率
✅ 想长期持有美元资产
✅ 计划未来留学、移民、或跨国生活
✅ 关注传承与税务效率的家庭

五、IUL 的潜在风险与注意事项

任何理财工具都有风险，IUL 也不例外。
你需要留意：

  • 回报并非保证，由指数表现决定；

  • 极端情况下有保单失效风险，虽然可能性较低；

  • 长期持有较有利，若提前退保可能有损失。

因此，选择合适的产品与顾问至关重要。

六、结语：让你的保险，不只是“保命”，更能“生财”

在这个低利率、通胀高企的时代，单靠储蓄难以跑赢通胀。
而指数型万能寿险（IUL）恰好结合了保本、安全、增长与传承四大优势，成为许多新加坡高净值人士与专业人士的新宠。

如果你希望了解：

  • 哪些 IUL 产品最适合你的需求

  • 如何设计出「保障 + 增长 + 传承」三合一的方案
    欢迎与你的理财顾问联系，我可以根据你的财务目标和预算，为你制定一份个性化的 IUL 方案。

📩 立即预约我咨询，让你的保险计划也能像投资一样聪明增长。

微信：DrLiu65

WhatsAPP: +65 82003208

#指数型万能寿险 #IUL #美元资产配置 #税务 #传承 #理财型保险

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:

LIU Yiquan Eugene 刘以泉

您好，我是刘以泉，感谢科技让我们相遇！我2010年来到新加坡，毕业于新加坡新加坡南洋理工大学并且拿到博士学位。现在在新加坡的理财顾问公司做全牌照理财顾问。服务过上百个新加坡新移民和国内的朋友，为他们提供全面专业的定制化资产配置服务。

我曾经是一名工程师，在浙江大学获得学位，并在上海的国际公司工作多年。后来，带家人移民到新加坡，并且在新加坡南洋理工大学获得哲学博士学位。通过这一系列的跨国经历，我深刻理解到不同背景下的财务挑战和规划的重要性。

在我转行做理财顾问之前，我一直对理财投资有着浓厚兴趣，并注意到身边很多高学历人群普遍缺乏金融知识，因为这个行业确实存在巨大信息差，这一点对于刚到新加坡的朋友们尤为明显。而且，保险理财的选择成本是非常大的，一旦选错的错，就可能会造成很大损失，因此，我转型成为一名理财顾问，致力于帮助新移民的个人和家庭在新加坡做精准配置，不仅给他们一份安心，而且在新加坡实现他们的财务目标。

我的使命是：通过深度的对比和专业的理财建议，为您打造稳固的经济基础，帮助您实现财务自由。

我会以简洁易懂的语言解释复杂的金融术语，确保每一位客户可以轻松理解并掌握每个财务决策的核心。如果你在寻找一位真诚、专业的理财顾问，我将是您的理想选择。让我们一起规划和实现一个更加稳健的财务未来。欢迎通过微信联系我：DrLiu65，期待为你服务！

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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