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揭秘新加坡最火寿险：定寿和IUL的3大区别！

说起新加坡保险，大家都会想到极具性价比的定寿和IUL！

那这两种寿险，有什么区别？投保的时候应该选哪个？

 

大家好，我是Joey，一名从业12年的新加坡独立理财顾问，今天跟大家聊聊新加坡的寿险。

寿险的定义非常简单，就是保障人生命的保险。人如果没了或者全残了，就赔付一笔金额给受益人。

保障一段时间的称为定期寿险，保障一辈子的就是终身寿险。

赔付金不变的是定额寿险，赔付保额可能会变化的是增额寿险。

IUL就属于保额可以灵活变化的终身寿险。

寿险最重要的两个功能就是身故保障和财富传承。

 

下面我们先来对比一下这两种保险的身故保障功能。

 

第一是保障期限

 

定期寿险的保障期一般是20年，30年，或者保障到特定年龄，比如75岁，85岁等等，最高的有保到99岁的。

对于新加坡市场最受欢迎的IUL来说，一般是保障终身，而且大部分公司也可以无限变更受保人，让保单传承多代，保障更久。

但是这里要做个提醒，如果指数出现极端的情况例如连续几十年亏损，也可能产生断保的风险，不过可以通过降低保额或者增加保费来让保单持续保障下去。

 

第二点我们来看一下身故杠杆。

保额和保费之间的比，就是寿险的杠杆。

我们以40岁，不抽烟男性为例，200万的保额额度来对比一下。

定期寿险是最能体现花小钱办大事的险种，像新加坡的定寿，40岁，不抽烟的男性，保障到85岁，200万新币的保额，保费仅需3.1K 新币一年，保单生效后，立马能撬动人民币一千万的保额，总的杠杆也高达近15倍。

IUL为例的话，200W美金的保额，保费也仅需11万美金，杠杆高达近10倍，如果身体非常健康，体检后是最优体的话，杠杆可高达10倍以上。

 

其次，我们再来说一说传承功能。

这个时候，除了保终身的定寿。保障特定年份例如20/30年的定寿，传承功能就比较弱了，人没办法预测自己什么时候会死，如果过了保障期，人还在，那受益人拿不到一分钱，更谈不上什么传承了。

传承属性最强的当属终身寿险。讲白了，人一定会死，所以这笔钱一定可以给到受益人。

 

而且你可以指定受益人和受益比例，将自己的钱通过身故理赔金的形式给到想要给的人。

IUL的重点在于理财投资与保障的结合且保障终身，所以传承效果比定期寿险好得多。

 

总结一下，定期寿险适合需要短期且有家庭责任或者想要用低成本撬动高保障的人群。

IUL适合需要长期保障和财产规划的人群，如果需要保障又希望参与投资，买IUL更好。

 

你适合哪一种呢？可以在留言区跟我讨论一下。

 

我是Joey，一名从业12年的新加坡独立理财顾问。

欢迎添加微信：JOEYWUZUHUA 或What’s App:+6593214536

 

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:

Joey Wu Zuhua吴祖华

新加坡保险.投资.信托等全球资产配置，等全球资产配置, 一站式，专业，独立。

10余年新中两地保险投资理财从业经验，倾听客户需求，私人定制每一位客户的财务计划；

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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/.

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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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