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新加坡寿险攻略：定期 vs 终身，选对了你家就稳了！

壽險是什麼？

壽險（壽命保險）是保險公司在被保險人過世或完全失能時，向受益人支付一定金額的保險金的保險類型。它的主要目的是為被保險人的家人或受益人提供經濟保障，以減輕他們在失去主要收入來源後的經濟壓力。

 

定期壽險與終身壽險的差別

  • 定期壽險 📅

定期壽險是指保險保障在一個特定的期間（如10年、20年或30年）內有效，如果被保險人在這個期間內去世或完全失能，保險公司將支付保險金。如果在保障期結束後被保險人仍然健在，保單便終止，沒有任何賠付。

優點：保費通常較低，特別是對年輕人來說。 可以根據需要選擇不同的保障期間，以應對特定的財務責任（如子女教育費用、住房貸款等）。

缺點：如果在保障期結束後被保險人仍然健在，保單便終止，沒有任何賠付。 續保時保費可能會大幅增加，特別是年紀較大或健康狀況不佳時。

  • 終身壽險 🌳

終身壽險是指保險保障終身有效，只要保單持有人持續支付保費，保險公司將始終提供保障，不論被保險人在何時過世或完全失能，保險公司都會支付保險金。

優點：保障終身有效，不論被保險人在何時過世或完全失能，受益人都會收到保險金。 保單通常具有現金價值，持有人可以在緊急情況下借款或提取。

缺點：保費較高，特別是在同樣的保額下，終身壽險的保費要比定期壽險高得多。 投資回報率可能低於其他投資工具。

 

如何安排壽險額度解決身故後的家庭經濟問題？

壽險的主要功能是保障家人在投保人不幸過世後，能夠繼續維持基本的生活水平。為此，合理安排壽險額度至關重要。以下是一個實用的方法，通過計算家庭生活費用和現有貸款來確定適當的壽險額度。

1.了解家庭經濟需求

最常見的壽險用途是保障孩子的成長費用。

例如，阿國和小美有一個孩子小寶。當小寶剛出生、10歲和15歲時，阿國需要的壽險額度都會有所不同。假設孩子要到20歲才能獨立工作，那麼在小寶剛出生時，阿國需要規劃20年的基本生活費，以確保在自己不幸去世時，保險金可以替代自己原本的經濟支柱位置。同樣地，當孩子小寶長到10歲時，所需的壽險保額就可以減少，因為需要保障的時間變短了。

2. 使用簡單公式計算壽險額度

根據孩子的獨立工作年紀、當前年紀、每年的生活費用和現有貸款，我們可以使用以下公式來計算壽險額度： 壽險額度 =（小孩獨立工作年紀 – 小孩現在年紀）× 配偶與小孩每年所需生活費 + 現有貸款

舉例說明:

假設孩子現在10歲，預計23歲獨立工作，一年的家庭基本開銷是30萬元，尚欠房貸100萬元。

壽險保額的計算如下： （23 – 10）× 30萬元 + 100萬元 = 490萬元

因此，阿國應為自己規劃490萬元的壽險額度，以確保在自己不幸去世時，家庭能夠繼續維持基本的生活水平。

 

在選擇壽險類型時，以下是一些常見的建議：

年輕人和經濟預算有限者：很多網友推薦年輕人和經濟預算有限的人選擇定期壽險，因為定期壽險的保費較低，且可以提供足夠的保障覆蓋特定的財務責任。

有長期財務規劃需求者：對於有長期財務規劃需求，如希望為後代留下一筆遺產或支付遺產稅的人，終身壽險是一個不錯的選擇。儘管保費較高，但保障終身有效，且具有現金價值。

混合配置：一些網友建議可以將定期壽險和終身壽險混合配置，以平衡保費支出和長期保障。例如，年輕時先選擇定期壽險，以較低的保費獲得較高的保障額，等經濟條件允許時再補充購買終身壽險。

 

最終的選擇應根據個人的具體需求、經濟狀況和長期規劃來決定。如果有疑問或需要個性化的建議，建議諮詢專業的保險顧問。💼😊

 

你的寶庫管家 🏦

Jolysse邬宇思

微信：Yusi_Wo / WhatsApp：90088276

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Representing Financial Alliance Pte Ltd Singapore Largest Independent Financial Adviser

#保險 #重大疾病保險 #健康保障 #新加坡 #財務規劃 #年輕人理財 #早期準備

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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