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5分钟看懂新加坡指数型万能寿险

随着越来越多的高净值客户将投资的目光放到了新加坡市场后，新加坡的股票、房产、基金、保险、信托等产品逐渐地开始成为国内高净值客户的选择。而新加坡的保险也因为其市场发达、保费便宜、收益好等优势成为了很多高净值客户的选择。

IUL有三大亮点——

1、非常的灵活，无论从年缴保费、收益、保障、领取哪方面来说，都有非常高的自由度，可满足客户不同的需求，如资产传承、身价保障、现金流规划、教育金、养老金规划等的。

2、如果把产品进行分割，您可以大致理解为前者是一个保本的结构化指数追踪型产品，后者是一个自然费率的每月缴费的终身寿产品。

3、两者结合，就是一个追踪指数的保底型寿险——IUL。

五句话知道新加坡保险的核心亮点_

那么，当我们了解了IUL的产品结构后，我们再来分析新加坡保险相比与国内保险和香港保险的核心亮点，我们可以从以下几个方面来分析：

1、宏观层面，新加坡的保险市场很大，发展很健全。其产品的创新能力、保障能力、对客户的保护能力都处于世界前茅的水平。

2、从保险市场来看，保险经纪市场的发达，让保险产品更具竞争力。不同于中国保险业主要销售产能来源于保险公司自有团队，新加坡主要的保险销售产能来源于经纪公司，而经纪业务的发达促进了保险市场和保险产品的充分竞争，导致新加坡保险的产品竞争力更强。所以无论从产品的创新性、收益性都有较明显的优势。

3、从保险责任来看，新加坡的免赔条款最少。新加坡的人寿保险免赔条款只有一条：即一年内自杀不赔，其他情况的身故都可以赔付。除了一些公司有不一样的规定。

4、从税务角度来看，人寿保险有很好的优惠措施，新加坡是没有资本利得税的，对于非美籍人士来说，保险金的领取不涉及任何税务问题；所以对于合理规划税务，也有非常明显的优势。

5、对于高净值人群的资产配置角度来说，多币种配置也是对冲客户单一币种风险的必不可少的一个环节，而人寿保险也是资产配置中必不可少的一个资产大类。所以，一款收益较为稳健、长期回报能达到5%-10%年复利、且具有高额保障的新加坡保险，就是客户非常有必要配置的一个资产类别。

说到这里，大家就可以了解指数万能险的基本结构和产品亮点，虽然产品的细则，各家公司都各有不同。但是只要掌握的大体的脉络，你会发现指数万能险其实并不复杂，也没有想象中那么难。

下一步？

我是宇思，和你一起看世界。

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5分钟看懂新加坡指数型万能寿险 — Engage

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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
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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