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为什么越来越多中国家庭选择新加坡定期寿险？

近年来，新加坡定期寿险悄然成为高净值家庭资产配置的“隐形刚需”。不少客户甚至专程飞往新加坡签单，如今更可全程线上投保。究竟它有何独特魅力？本文将深度解析新加坡定期寿险的三大核心优势，并揭秘其成为跨境保障首选的关键原因。

什么是定期寿险？

定期寿险是在约定期限（如20年/至70岁/80岁/100岁等）内提供身故保障的消费型保险。因为是消费型保险保费仅为终身寿险的1/5-1/10，性价比极高。其核心价值在于用低成本转移家庭顶梁柱因身故/重疾导致的经济崩塌风险——尤其适合收入单一的家庭主力，防止“顶梁柱倒下。

新加坡定期寿险的优势

1）超高性价比，保费直降40%+

新加坡政府强制要求保险业承担社会责任，叠加全球最长人均寿命（83.5岁）带来的精算优势，使得保费较内地/香港低出惊人幅度。
以下是保费和保额的例子：

为什么越来越多中国家庭选择新加坡定期寿险？ — Engage

相较同类产品，保费最高可节省40%-60%，真正实现 “花小钱撬动大保障”。

2）投保便利，可线上投保

线上全流程：从核保到支付全程可在线上做，支持国内Visa/Mastercard信用卡缴费
免体检额度高达300万新币（≈1600万人民币），仅需健康告知
免财务核保额度500万新币（≈2650万人民币），仅需收入声明
如需索赔，也可以在线上办理，流程省心。

3) 灵活定制保障，满足多元需求

新加坡定期寿险打破传统产品限制，可灵活配置：

✅ 保障期限：可选10/20/30年，或直接保至65/70/100岁
✅ 缴费周期：支持10/20年缴清或缴至保障期满
✅ 附加险自由叠加：重疾险、早期重疾险、残疾保障等模块化添加
✅ 受益人无限制：可指定境内外任意亲属，支持多受益人比例分配

新加坡的定期寿险是一种性价比极高的保险选择，特别适合在人生重要阶段需要较高保障的个人或家庭。只要合理设定保障金额和期限，就能在有限预算内，为家庭提供坚实的经济后盾，为未来的财务稳定打下良好的基础。

“在购买任何保险产品之前，请充分了解合同条款、保费结构、投资风险以及其他相关信息。无论您是本地居民、外籍人士，我都能根据您的需求定制保险计划，并帮您了解各类产品的优劣。”

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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 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:

刘澳洋
Liu Aoyang

独立理财顾问，健身私教，美术老师。
健康是生命的基础，财富是生命的资源，情感与自我表达是生命的美与快乐。我喜欢认真了解每一个客户，每个人都有自己独特的故事，创造出合适与专业的理财方案。

三大业务板块

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Health is the foundation in life, wealth is the resource in life, emotions and self-expression are the beauty and joy in life. I enjoy getting to know each client thoroughly, as everyone has their own unique story, to create customized and professional financial planning.

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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/.

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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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  • 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.
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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.
  • 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