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指数万能险 vs 传统寿险：哪个更适合长期财富规划？

一、什么是指数万能险？

指数万能险（Indexed Universal Life，简称 IUL）是一种结合寿险保障与投资增值的保险产品，部分保费投资于指数账户，如 S&P 500，帮助资产增值，同时提供终身身故保障。

 

二、终身寿险与指数万能险的核心区别

指数万能险 vs 传统寿险：哪个更适合长期财富规划？ — Engage

 

三、适合人群

  • 终身寿险适合：希望获得固定保额、稳定收益、不愿承担市场风险的人群。
  • 指数万能险适合：希望资产增值、享受市场增长潜力，并拥有灵活提款选项的人群。

 

四、方案展示

指数万能险 vs 传统寿险：哪个更适合长期财富规划？ — Engage

1. 缴费情况

  • 一次性缴纳保费：308,269 美元
  • 无需额外缴费：后续无需再投入资金，保单持续有效。

2. 现金价值增长分析（在当前固定收益率情况下）

  • 65 岁时，现金价值约 444,423 – 446,843 美元，占已缴保费 144%（增长 44%）。
  • 75 岁时，现金价值约 586,399 美元，占已缴保费 190%（增长 90%）。
  • 85 岁时，现金价值 1,174,932 美元，达到已缴保费 3.81 倍，退休资金充裕。
  • 100 岁时，现金价值 2,000,094 美元，完全等同于身故赔偿金，客户可通过部分提款获得流动资金。

💡 结论：这款指数万能险在固定收益的情况下，能提供相对稳健的现金价值增长，100 岁时现金价值能完全覆盖身故理赔金，适合长期财富积累和传承。

如果您希望深入了解如何利用 IUL 优化您的退休财富计划，或寻找适合自己家庭的投资策略，欢迎随时联系我！ 😊

我是独立财务顾问 Jolysse 邬宇思😊，专注于资产规划，为您打造适合您家庭的财富方案。感谢一路以来的支持与信任！💖

指数万能险 vs 传统寿险：哪个更适合长期财富规划？ — 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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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.

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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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