【2024定期寿险推荐】新加坡人最爱寿险总整理!没有负担,留下的才是爱!💖

很多人不明白为什么需要寿险,或者为什么要调整保额。实际上,寿险的需求与否,要看你有多少「责任」,比如结婚、养育孩子、房贷、车贷等等。你要想想,如果你突然离开了,谁来承担你原本的责任?没有了负担,留给家人的才是爱!赶紧看看2024年大家都在讨论哪些定期寿险吧!

寿险是什么?🤔

寿险就是当被保险人去世后,受益人可以拿到一笔保险金。很多不婚不生的人在买保险时经常忽略寿险的重要性,因为他们觉得寿险只用来支付丧葬费,所以没结婚没小孩的人就觉得不需要。但其实寿险不只是丧葬费!

举个例子,B先生事业有成,未婚无子女,买了一栋200万的新房,把父母接来同住,结果一年后B先生意外去世,年迈的父母不仅要承受失去儿子的痛苦,还要担心他的贷款!如果B先生有保额200万的寿险,这笔理赔金不仅可以帮助父母还清房贷,还有钱照顾老年生活。

定期寿险是什么?📅

定期寿险的缴费年期通常有1年、10年、20年、30年到99年等。

定期寿险的优缺点✨

优点:「高保障低保费」,非常适合有阶段性保险需求的年轻人或预算有限的人,能随着年龄和责任的变化调整保额。比如B先生可以在有房贷时增加保额,还完房贷后可以降低保额。

缺点:是「消费型保险」,一旦保险契约结束,保障就会失效。

定期寿险怎么买?💸

  • 额度:建议以「抚养责任」+「贷款或债务」-「可用资金」来计算。(如果你好奇如何测算保险额度,欢迎私信我哦!)

  • 保费:根据「性别」和「年龄」不同,男性的保费通常较贵,年龄越大保费越高。

定期寿险挑选重点📌

  1. 最高「续保年龄」

  2. 是否「保证续保」

  3. 费率的调整

保险规划要趁早⏰

不论是定期寿险还是终身寿险,保费越年轻越便宜。其他险种如医疗险、重大伤病险、癌症险、失能险也是如此。如果有预算,趁早完善你的保险规划,让保障更全面!有任何保险问题,Jolysse会给你专业、客观的建议,帮助你规划最好的方案!

如果你好奇如何测算保险额度,欢迎私信我哦!


下一步?

我是宇思,和你一起看世界。

微信:bigwusister / WhatsApp:90088276

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【2024定期寿险推荐】新加坡人最爱寿险总整理!没有负担,留下的才是爱!💖 — Engage

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:

JolysseWu 邬宇思

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Hi, I’m Jolysse. Thank you for visiting my website and I’m looking forward to getting to know you personally.

I’m an independent financial consult and strive towards helping my clients and their families to accumulate wealth and helping them grow their investment portfolios.

您好。我是宇思,您也可以叫我Jolysse。

我是一名具有8年财富管理经验的独立理财顾问,金融学&管理学双学士,先后服务过近千个私募客户,个人美股及衍生品投资最高年化收益率达366%。在信息爆炸的时代,为您用中立、专业、挑剔的眼光去选择最合适您的理财方案!

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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
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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