除了政府的CPF LIFE，保险公司也有各自的终身保险年金计划可供选择，以满足个性需求。今天就集中来关注一下，私人终身保险年金计划的几个关键要素：
领取频率，有年领取，有月领取，或者两者皆可，取决于各个保险公司的产品设计。
本金锁定期的长短，一般也与缴费期限相关。目前，新加坡市场上，一次性趸交计划，本金锁定期最短为两年，即第三个保单年度起，本金保证且可以自由支配。大部分的年缴计划，本金锁定期相等于缴费期，也有一部分年缴计划，本金锁定期短于缴费期，最短为三年。
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“对我来说，‘成为’不是单纯地到达某个目的地或者实现某个目标。我更把它看作是一种不断前进的成长方式，一种持续追求更好自我的过程。这段旅程没有终点。” – 米歇尔 奥巴马 《成为》
“For me, becoming isn’t about arriving somewhere or achieving a certain aim. I see it instead as forward motion, a means of evolving, a way to reach continuously toward a better self. The journey doesn’t end.” – Michelle Obama <Becoming>
关于我 About Me
回顾过去20多年里的工作经历，每一段都非常可贵，也造就了现在的我。保险理财行业，是我至今从业时间最久的行业。在新加坡友邦的10年期间，我经历过最初三年保险新人的痛苦挣扎期，无数次被拒绝的陌生拜访和路演，让我留下过很多汗水和眼泪。最终，我的长期努力和坚持，获得了顾客的信任和支持，也正是因为每一份附上郑重签名的白纸黑字，都是一份长远的承诺，鼓励着我继续勇往直前。
LOOKING BACK at over 20 years of my work experience, each phase has been incredibly valuable and shaped who I am today. The insurance and financial planning industry is the one I’ve worked in the longest. During my ten years at AIA Singapore, I struggled through the first three years as a newcomer, facing countless rejections during cold calls and roadshows, with sweat and tears. My perseverance earned the trust and support of my clients. Every signed document represents a long-term commitment, motivating me to keep moving forward.
2023年4月，我取得了国际金融理财师的资格证书，12月我告别新加坡友邦，加入新加坡最大的独立理财公司，成为一名独立理财顾问。我作出这个决定的初衷，就是想更好地运用我深耕10年的保险理财行业的经验，在更大的平台上，为更多有需要的人们服务。独立理财公司有着更广大的保险、投资合作平台，从而能够让我真正做到从顾客需求出发，提供更中立、更全方位的理财方案，这点跟我的长期职业愿景相符。我深知，独立理财顾问的路，前期需要付出更多的努力，而我也正在接受着挑战，并且愿意为之奋斗终身。
IN APRIL 2023, I obtained the Certified Financial Planner (CFP) certification, and in December, I left AIA Singapore to join Financial Alliance, Singapore’s largest independent financial advisory firm, becoming an independent financial advisor representative. This decision was driven by my desire to use my decade of experience to help more people on a larger platform. An independent financial advisory firm offers a broader range of insurance and investment partnerships, allowing me to provide more neutral and comprehensive financial planning solutions, aligning with my long-term career vision. I understand that the path of an independent financial advisor requires more effort initially, and I am ready to embrace this challenge and strive for it for a lifetime.
作为一名职业女性，同时也是两个孩子的母亲，我深知每一位女性的“超能力”，都源于她们对工作和家庭的全心付出。我特别希望能为职业女性和母亲们提供最大的帮助和支持，共同分享生活中独特的喜怒哀乐。我也希望通过我十多年的财务规划实战经验，帮助职业女性和母亲们，实现个人和家庭的财务目标。财务目标无关乎大小，重点是能够早日开启并享受这趟健康而快乐的财务规划之旅。
AS A CAREER WOMAN AND ALSO A MOTHER OF TWO CHILDREN, I understand that every woman’s “superpower” comes from wholehearted dedication to both her work and her family. I specially hope to provide my greatest help and support to career woman and mothers, and to share the unique joys and sorrows of lives with each others. I also hope that through my decade of practical experience in financial planning, I can help career woman and mothers achieve their personal and family financial goals. Financial goals are not about their size but about starting and enjoying this healthy and joyful financial planning journey as early as possible.
