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保单检视Policy Review懒人包：6点搞清楚你的保障和投资规划！

你的保单需要”年度体检” policy review！揭秘保单检视的黄金法则

“今年CPF SA账户调整的消息让我突然意识到，我的退休规划可能完全不够用…”

35岁的客户上周焦虑地告诉我。这绝非个案——许多人在20多岁购买了保险和储蓄计划后，就把文件束之高阁，直到危机来临才惊觉保障不足。

 

一、先了解什么是 Policy Review “定期检视保单”？

定期检视保单就像给财务做健康检查，确保你的保障始终跟上人生变化，该加的加、该减的减！

 

二、为什么保单需要定期检视？

案例：陈先生，32岁IT工程师

  • 25岁时购买了一份储蓄保险和基本医疗保障
  • 30岁结婚生子后仍沿用原计划
  • 今年突发心脏病住院，才发现保障额度严重不足

保单检视就像汽车保养：

  • 新车首年就要首次保养
  • 每6个月需要更换机油
  • 每2年要做全面检修
  • 长途驾驶前必须检查车况

你的保单同样需要这样的”保养周期”！

 

三、必须检视保单的5个关键时点

  1. 每3-5年的常规检视
    • 检查保额是否跟得上通胀
    • 评估保险公司的最新产品
    • 调整投资组合比例
  2. 人生重大变化时（立即检视）
    • 结婚/离婚：配偶保障需求变化
    • 生子：教育金规划刻不容缓
    • 购房：房贷保障缺口必须补足
    • 升职加薪：提高储蓄投资比例
    • 创业：现金流管理和风险保障
  3. 政策变动时（如CPF调整）
    • 评估退休金缺口
    • 调整补充退休计划
  4. 健康状况变化时
    • 检查医疗保障是否充足
    • 考虑重疾险升级
  5. 经济环境剧变时
    • 利率变动影响储蓄险收益
    • 通胀侵蚀保额实际价值

四、保单检视的3大重点领域

保障缺口检测：

  • 生命保障 (Death Benefit & Total Permanent Disability)：保额=10倍年收入+负债
  • 医疗保障 (Health Insurance)：至少覆盖私立医院B1病房
  • 重疾保障 (Critical Illness Coverage)：至少覆盖3-5年生活开支

储蓄计划评估：

  • 收益率是否跑赢通胀
  • 提取条款是否灵活
  • 退保损失测算

税务优化检查：

  • SRS账户利用情况 （可利用此工具剩个人所得税）
  • 保单税务减免最大化
  • 遗产规划考量

五、DIY保单检视5步法

  1. 整理所有保单：制作保障清单
  2. 量化责任变化：计算新的人生负债
  3. 缺口分析：使用专业计算工具
  4. 优化方案：调整/新增合适产品
  5. 建立检视日历：设置下次检视提醒

 

六、特别提醒：35-45岁人群常见盲点

  1. 过度依赖CPF：SA关闭后RA退休缺口显现
  2. 保障停滞不前：仍沿用10年前的保额
  3. 投资过于保守：全部放在储蓄保险
  4. 忽略现金流管理：应急准备金不足

 

保单就像身体健康需要定期检查。建议：

  1. 每3-5年检查一次
  2. 遇到人生大事要立即检查
  3. 政策变化时要重新评估

若是你想了解 policy review 保单检视，📱 随时联系我：
WhatsApp: +65 8680 2340
WeChat: Lidwinabq

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.

Published By:

Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

Contact me now to request for a quotation or schedule a coffee session for further discussion. See you soon!

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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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  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策，并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
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  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • 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).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意，不得将这些文件全文或部分发布，传播，复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • 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.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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