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一文讲清楚，新加坡所有保险的优缺点！

1. 定期人寿保险（Term Life Insurance）

优点
☑️ 保费最便宜，适合预算有限的人
☑️ 提供清晰的身故赔偿金
☑️ 保障期限灵活，通常为10、20或30年

缺点
❌ 保障期限结束后不再有效
❌ 续保时费用可能大幅上涨

2. Whole Life储蓄型保险

优点
☑️ 终身保障，随时可理赔
☑️ 具备现金值，能逐步积累财富
☑️ 保费固定，不随年龄增长而增加

缺点
❌ 保费相对较高，长期负担较重
❌ 现金值的增长速度可能较慢

3. 万能险（Universal Life Insurance）

优点
☑️ 提供保费灵活性，可以根据需求调整
☑️ 现金值随市场利率增长，潜在回报较高
☑️ 终身保障，提供安心保障

缺点
❌ 收益可能随市场波动，回报不稳定
❌ 费用透明度较低，需仔细了解合同条款

4. 教育保险

优点
☑️ 为孩子的未来教育费用提供保障
☑️ 强制储蓄功能，确保资金使用
☑️ 可以附加身故保障，双重保障

缺点
❌ 保费较高，影响家庭财务规划
❌ 灵活性不足，资金提取限制较多

5. 重疾保险（Critical Illness Insurance）

优点
☑️ 提供一次性赔偿，减轻经济压力
☑️ 可用于支付医疗费用和替代收入
☑️ 保障范围广，涵盖多种重大疾病

缺点
❌ 保费相对较高，可能导致预算压力
❌ 某些疾病的定义和理赔条款复杂

6. 财产保险（Property Insurance）

优点
☑️ 保护房产和个人财物免受损失
☑️ 提供经济支持，避免财务危机
☑️ 理赔流程相对简单，透明度高

缺点
❌ 并非所有损失均可理赔，有许多免责条款
❌ 续保时保费可能上调

7. 企业保险（Business Insurance）

优点
☑️ 保护企业免受意外事件影响
☑️ 为员工提供安全感，提高忠诚度
☑️ 涵盖责任险，避免法律风险

缺点
❌ 保费可能较高，增加运营成本
❌ 理赔过程复杂，需要专业知识

8. 退休保险（Retirement Insurance）

优点
☑️ 确保退休后的生活质量
☑️ 定期领取养老金，减轻经济负担
☑️ 提供税务优惠，增加收益

缺点
❌ 提前取款可能会受到罚款
❌ 投资回报不确定，需谨慎选择

9. 意外保险（Accident Insurance）

优点
☑️ 提供意外事故保障，减轻经济压力
☑️ 理赔快速，助您迅速恢复
☑️ 保费相对低廉，适合所有人

缺点
❌ 不覆盖所有伤害，仅限于意外事故
❌ 理赔额度可能有限，需了解条款

10. 终身保险（Whole Life Insurance）

优点
☑️ 提供终身保障与理赔
☑️ 具备现金值，作为长期投资
☑️ 保费固定，不随时间变化

缺点
❌ 保费较高，长期财务负担
❌ 现金值增长缓慢，流动性差

下一步？

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一文讲清楚，新加坡所有保险的优缺点！ — 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.

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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.
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  • 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。
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  • 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.
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  • 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.
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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