什么是私募寿险PPLI,以及它为什么受高净值人群青睐?

这篇文章介绍一类比较小众、但是颇受高净值人群喜爱的保险产品,叫做“私募寿险”,英文是Private Placement Life Insurance,简称PPLI。

所谓“私募”,就是说这类产品并不公开发行,而是为客户私下提供的,并且可以根据每位客户的情况,在保单底层资产和收费结构等方面进行一定程度的量身定制。

虽然叫做“寿险”,但是私募寿险与我们常见的定期寿险或者终身寿险不同,并没有提供一个远高于我们交的保费的人寿保额。“私募寿险”的人寿保额只是象征性地在保单现金价值的基础上加一个额外的1%。它的功能更加贴近储蓄险和投连险,重点放在财富的保值和增值。

另外,我们一般购买保险都是用现金来付保费,但是私募寿险的保费既可以是现金,也可以是其他具有流动性、可变现的资产,比如手上持有的股票、基金、债券、私募股权、结构性产品等,甚至一些流动性不那么强的资产,比如房产,也可以通过特殊的方式放进保单。从另一个角度来看,私募寿险其实就是把我们的各类资产装进了一个统一的保险的外壳。

 

私募寿险的设立和运作方式可以概括如下:

01
客户与保险顾问充分沟通,决定哪些资产要放进私募寿险,选择哪个托管机构,保单采取什么样的收费结构,被保人和受益人分别有谁。然后向保险公司正式提交保单申请。保单的投保人除了个人,也可以是公司或者信托。

02
保单审核通过后,客户将选定的资产平行转移进保险公司在托管机构设立的保单专属账户。此时这些资产的所有权就转换到了保险公司,保险公司会根据预先商定的收费结构来收取管理费。

03
客户指定一位投资管理人,来执行被托管的资产接下来的投资。投资管理人可以是客户自己、保险顾问、私行投资经理或者第三方资管机构。

04
需要现金流的时候,客户可以随时从私募寿险保单中做提取。

05
若受保人身故,保险公司会按照已经定好的比例,把身故赔偿金支付给所有受益人。支付的方式可以是把资产所有权转给受益人,或者是把资产全部变现之后再付给受益人。

 

那么问题来了,资产还是原来那些资产,保险公司也几乎没有给额外的人寿保障,为什么很多高净值客户还是不怕麻烦,要把个人资产装进一份私募寿险保单呢?这里有几个主要的原因。

 

01 私募寿险可以加强持有外海资产的保密性

按照目前的CRS共同申报准则,若两个国家都已经签署了CRS,那么两国的税务部门就有义务把对方国家的税务居民在本国的资产信息交换给对方。正常情况下,客户持有的每一项海外资产的信息都会被交换回本国。但是放进私募寿险以后,因为这些资产在名义上变成了保险公司所有,所以在信息交换的时候,保险公司只需要申报客户拥有一份人寿保单,但不必披露保单内的资产详情。

 

02 私募寿险可以起到一定的风险隔离作用

因为放进私募寿险里面的资产名义上归保险公司所有,与个人名下持有的资产有明确的切割。假设私募寿险是在正确的司法管辖区内设立的,这份保单会受到法律的充分保护,即便客户本人发生破产、诉讼、离婚等事件,保单内的资产很大概率不会受到影响。

 

03 私募寿险可以大大提高遗产传承的效率

客户可以自由指定私募寿险保单的受益人和受益比例。当被保人过世,保险公司就会根据既定的分配方式,在较短的时间内把赔付金额支付给每位受益人。而没有放进寿险保单的资产,则必须经过遗嘱认证的过程。如果资产分布在不同的司法地区,遗嘱认证所需要付出的时间成本和金钱成本也会加倍。如果在遗嘱认证的过程中,潜在的受益人之间存在争议,也必然会延后财产发放的过程。

 

04 私募寿险有时可以起到合理节税的目的

大多数提供私募寿险的保险公司都注册在一些低税率甚至零税率的国家。因为保单里的资产由保险公司持有,这些资产以及后续投资带来的收益也就可以享受同样的税率待遇。相比于需要缴纳入息税和资产增值税的情况,复利效应之下回报累积的差别可以非常巨大。在一些情况下,私募寿险也可以避免遗产税。我们一般会根据客户的实际情况,与保险公司的税务专家讨论,再给出相应的建议。

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:

Li Yu 李雨

2008年获SM1奖学金来新加坡留学
毕业于新加坡国立大学,此后进入保险行业,至今已逾7年
至今已为上百个新加坡、中国大陆和台湾家庭提供私人定制的保险与财富管理方案

我的目标:从客户的角度出发,提供中立、专业、全面的保险与财务规划方案,并提供优质、持续的服务

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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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  • 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.
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  • 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).
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  • 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。
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  • 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