新加坡定期寿险:我的真实购买经历与心得

大家好!我是「新加坡独立理财顾问」Jolysse,目前就职于新加坡的一家财富管理公司。
今天想和大家聊聊我在新加坡购买「定期寿险」的经历,还有我对这类保险的一些看法。
来到新加坡后,我发现这里的许多人都为自己和家人购买了几份保险,特别是定期寿险。在他们看来,定期寿险是每个家庭“顶梁柱”必须配备的保险之一。但对我们这些新移民来说,保险意识可能才刚刚萌芽,要接受一款“只有身故才能赔”的“消费型”保险,确实需要一点时间适应。
但是,既然这么多人选择了它,那肯定有它的独特之处!

为什么我选择了定期寿险?

定期寿险最大的优势就是:便宜!因为它是一种“消费型”的保险,只有在特定情况下(比如身故)才会赔付,所以保费相对较低。这意味着,我们可以用较少的投入获得较高的保障。
既然定期寿险的保障范围是“身故”,那么保额一定要足够高,因为这是对一个人一生价值的体现。就像给一家上市公司估值一样,不仅要考虑现有的资产,更重要的是未来能创造的价值。
所以,问题来了:定期寿险的保额到底要买多少合适呢?
其实很简单,问问自己:“我究竟值多少钱?我还能为我的家庭创造多少财富?”通过这个问题,大家应该能大致确定适合自己的保额。比如,你家每年开销20万新币,你想保障他们10年,那保额至少要200万新币。

为什么要在新加坡买定期寿险?

答案也很简单:便宜!
新加坡的定期寿险因为保障责任单一、产品形态简单,所以不同产品之间的比较也很直观。只要选择保额、缴费期和保障期相同的产品,费用最低的通常就是最佳选择。当然,不同产品的特性有些许差异,这点我们后面再慢慢说。
我购买了Singlife的两个产品,第一个主要是寿险部分,第二个是多次重疾赔付部分。先说第一个,寿险Singlife Elite Term,保额50万新币,早期重疾和重疾各12万新币,保障期40年,费率保证不变,每月164新币。(具体细节请咨询自己的理财顾问哦!)
这个产品还有以下几个特点:
  • 除外责任少:等待期90天,等待期内因意外身故可获赔保额或50万新币,两者取小;等待期过后,除了自杀外,任何情况身故都能获赔,无其他除外责任。
  • 终末期疾病提前给付:若患终末期疾病(预计生存时间不超过12个月),可提前获得赔付。
  • 保额升级保证:在人生重要时刻(如结婚、生子等),可选择提升保额,无需提交健康声明。
  • 全残提前给付:若受保人发生全残,可获得赔偿。
总体来看,新加坡的定期寿险不仅价格实惠,而且保障全面,是个不错的选择。虽然到新加坡购买保险可能面临一些政策风险或者理赔难题,但我相信这些问题远远不及新加坡定期寿险的优点。
但随着越来越多的专业人士站出来为定期寿险“站台”,我相信大家会慢慢了解它的重要性。希望未来有一天,大家都能在身边买到心仪且价格合理的定期寿险。

下一步?

我是宇思,和你一起看世界。

微信:bigwusister / WhatsApp:90088276

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新加坡定期寿险:我的真实购买经历与心得 — 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

A Little about me:

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
  • 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).
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  • 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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  • 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