很多人以为传承是”有钱人”才需要操心的事。
但当我帮Ms Chen梳理她的情况时,我发现——两个孩子的家庭,最需要提前规划。
Ms Chen,34岁,DP转PR,之前在国内做财务,来新加坡跟着先生。
先生月薪$16,000,她目前兼职顾问,月入约$4,000。
大女儿9岁,小儿子5岁。
先算一笔账
我们把数字摆出来:
两个孩子读到新加坡大学毕业(按当前学费估算):
这还不包括日常生活、房贷、父母赡养……
Ms Chen先生现有的定期寿险保额是$300,000。
缺口很明显。
IUL怎么填这个缺口,同时做传承?
我给Ms Chen设计了一个”分层”思路:
第一层:定期寿险(先生已有) $300,000,覆盖房贷和短期家庭开销,属于”紧急缓冲层”。
第二层:IUL(新增)
作用:
一份保单,同时解决了两件事:传承保障 + 长期资产积累。
还有一个细节Ms Chen问到了
“如果两个孩子的需求不一样,保单能灵活分配吗?”
可以。大部分IUL产品允许指定多个受益人,并设定各自的比例。
比如:60%给妻子(处理日常开销和教育费用),20%给大女儿(18岁后)、20%给小儿子(18岁后)。
这个分配可以随时根据情况调整,不是一次写死的。
两个孩子的家庭,资金压力比单孩家庭大得多。
但也正因为如此,提前规划的回报也更清晰——你知道自己在保护什么,也知道这份保障能撑多久。
私信我”传承”,我来帮你算一算你家的数字。
Jolysse Wu | 新加坡持牌理财顾问
文件末尾 | Jolysse Wu — Financial Alliance Singapore
所有案例为匿名改编,数字仅供参考,不构成具体投资或保险建议。 实际方案以个人情况、当前产品条款和核保结果为准。
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.
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您好。我是宇思,您也可以叫我Jolysse。
我是一名具有10年财富管理经验的理财顾问,TOT\COT百万圆桌会员,金融学&管理学双学士,先后服务过近千个客户。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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