新加坡 | 指数型万能险少说也说十几个,效果都是一样吗?

新加坡保险公司这么多家,指数型万能险少说也说十几个,效果都是一样吗?

答案是:效果完全不一样。

各个保险公司的成本核算方式、资产管理能力和擅长领域各不相同,旗下的指数型保险产品的现金值能力也各不相同。

如果我们的需求是“最大化退休收入”,但是选品上却选择了一款“保障型”的指数型保单产品,又或者是,选“对”了产品,却被设计了一份“不对”的方案,那么多年以后,我们的保单账户上的现金值,将会产生不小的差异。

具体我们会少拿多少钱?

 

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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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