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新加坡寿险发展简史

大家好，我是joey，一名从业12年的新加坡资深财富管理顾问。

今天跟大家来聊一聊，号称亚洲天花板的新加坡寿险有哪些类型，又是如何发展到今天的，我们一起来扒一扒它的历史哈

新加坡的人寿保险业自19世纪以来经历了非常多的阶段，目前主要产品形态包括定期寿险（Term Life）、终身寿险（Whole Life）、万能寿险（Universal Life）和指数型万能寿险（Indexed Universal Life）以及可变万能寿险VUL等。

定期寿险是最早期的人寿保险产品之一，提供在特定期限内的死亡保障。

 

定期寿险在20世纪70年代初在新加坡推出，当时恰逢新加坡独立，保险业得到了快速的发展。

 

随后，到了20世纪90年代和2000年代，随着保险业的自由化和更多国际保险公司进入市场，新加坡定期寿险的增长开始加速。

各大保险公司陆续推出了定期寿险产品，以满足新加坡居民不断增长的保障需求。

到现在，新加坡的定期寿险已经是整个亚洲，乃至全世界最具竞争力的寿险产品之一，保费低，杠杆高，而且能做到全球赔付

 

终身寿险出现的要早很多。

20世纪初，还在英国殖民时期，随着本地资本的积累，新加坡开始出现本土保险公司，终身寿险产品也逐渐引入市场。

这类产品不仅提供终身保障，还兼具储蓄功能，同时满足了公众对长期保障和财富积累的双重需求

早期，终身寿险主要面向富裕阶层和外籍人士。

1965年，新加坡独立后，政府建立了更全面的社会保障体系，包括中央公积金(CPF)。

紧接着，到了1970-1980年代，随着收入增加和金融知识普及，终身寿险变得更加普及。

90年代后，金融业自由化带来更多产品创新，出现投资连结型的终身寿险。

 

到现在为止，终身寿险仍是新加坡人财务规划的基石，不仅有多样化的产品来满足不同需求，而且容易与其他金融工具和政府保障计划相结合来使用。

 

万能寿险是一种灵活的终身寿险产品，且早期产品更面向高净值客户。

传统型万能寿险比定期寿险和终身寿险更晚进入新加坡市场。

这种产品在20世纪80年代后期开始在全球范围内流行，兼具灵活性和高投资回报。

 

新加坡市场引入后，逐渐地，成为很多海内外高净值个人的财富保值工具的首选。

 

而指数型万能寿险IUL是一种将保单现金价值与指数表现挂钩的产品，这种产品提供和具体指数（例如标普500）挂钩的回报，而且上有封顶，下有保底，回报本身上看不会亏本。

 

不仅有更高的潜在回报，还有向下的保护。

所以最近5年，很快在新加坡市场上占据了寿险的半壁江山。

最初产品的设计是针对高净值客户，而现在也成为中产阶级客户财富传承有效的有效工具之一。

 

一路回顾下来，可以说新加坡保险市场的发展历程其实反映了整个国家从殖民地到金融中心的转变。
从最早的终身寿险到现代化的指数型万能寿险，每一种产品的引入和发展都标志着市场的成熟和消费者需求的变化
无论选择哪一款产品，在新加坡做寿险的配置，最让人安心的还是背后新加坡金融管理局(MAS)的严格监管要求。

 

能让保险公司和产品稳健地给我们提供保护和财富的增值。

 

当然每个人的财务规划需求和偏好不同，最重要的是通过和理财顾问做好具体沟通，找到合适自己的方案。

 

我是Joey，一名从业12年的新加坡资深理财顾问。如果你想咨询两地的资产配置，欢迎留言.

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；

我的信念：我们每个人都能通过合理的理财规划，实现财务安全，财务独立最终实现财务自由。

我的定位：

为个人和企业提供中立,专业、一站式全方位的金融咨询服务,提供客户优质的财富管理和财务规划解决方案。

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  • 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
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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