作为全球重要的金融及保险中心,新加坡拥有成熟的保险市场和国际接轨的监管体系。据统计,2023年第一季度新加坡人寿保险业的加权新业务保费总额为10.5亿新元,年度保费产品季度增长24.7%。2024年预计市场规模达656.2亿美元,并以9.95%的年复合增长率增长,到2029年将达到1054.3亿美元。
新加坡保险市场发达,监管体系完备。MAS负责监督,保险机构按类别细分为LIA、GIA、SRA和SIBA等。保费缴纳方式灵活,理赔程序简便。新加坡定期寿险性价比高,具有高额保障。
投保人需履行最大诚信义务,如实披露重要信息,否则保险公司可拒赔。
保险公司需向投保人披露产品信息,确保信息透明度和合同条款清晰。
新加坡法院综合考虑经济和家庭贡献决定财产分割。保单利益可通过信托提名或可撤销提名分配。
新加坡设有保单持有人保障基金,确保保险公司破产时保单兑付。
明确投保条件,按需购买,详细了解保险条款,咨询专业意见,明晰跨境结汇风险。
新加坡保险市场监管体系完善,适合跨境财富传承与资产配置,但中新法律和政策不同,投保前需充分了解境外保险的特点和法律问题,以避免盲区,理性配置财富。
希望这篇文章对你有帮助!有任何问题或想了解更多,欢迎留言或私信我📩!
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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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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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