View My Profile

挑选IUL保单，有哪些值得考量的方面？

在新加坡，IUL保单的竞争正在变得越来越激烈，不仅有更多公司推出这类产品，原有的产品也在不断升级。

今天我们来聊聊，市面上的IUL保单这么多，作为客户应该怎么挑选？有哪些值得考量的重点？

 

一、保单扣费

第一个我认为需要考量的方面是保单的扣费，这也是在我看来挑选IUL最重要的一个考量点。其实很多人买保险本身就是出于一种居安思危的意识，我在对比保险产品的时候，也会习惯性地从一个比较“悲观”的角度出发。具体到IUL，先不管这份保单能赚多少钱，而是先看一下保险公司会从我这里扣走多少钱。如果两张保单挂钩的指数回报一样，那么扣掉的费用越低，客户能留下的就越多。

IUL保单的费用主要分为三项。第一项是保费扣费，就是我们缴纳保费之后的一个初始扣费，剩下的钱才进入保单账户参与投资。第二项是行政费用，一般集中在前15年，主要用于覆盖保险公司在保单发行、销售和维护环节中产生的成本。第三项是保险成本费（Cost of Insurance），这是影响最大的一项，用来覆盖保险公司给我们提供高保额的风险成本。年龄越大，身故风险越高，当年扣除的保险成本费率也就越高。只要保单价值仍然低于保额，这项费用就会持续存在。无论上述哪一项扣费，费率越低，对客户就越有利，尤其是保险成本费。

再进一步延申，每家保险公司还会在合同里设定一个最高的保险成本费率，也就是如果保险公司未来决定提高保险成本的收费，最高可以涨到多少。当最高费率与当前费率的差距越少，保险公司可以自由调整的空间越小，客户的利益就更有保障。

 

二、保单稳定性

第二个方面跟前一个相关，我们需要考量保单的稳定性，就是当IUL的收益低于预期时，保单是否容易出现账户价值被扣光而断保的情况。绝大多数客户购买IUL保单是作为留给后代的财富传承，没有人愿意看到保单提前断保，导致传承计划落空。

每一份IUL的保单计划书都会提供“最极端预期”和“正常预期”两种演示。所谓“最极端预期”，就是假设保单挂钩的指数在未来的每一年都是零增长，同时保险公司按照合同允许的最高保险成本费率扣费。同样是零收益的情况下，保单的扣费越高，保单账户价值就会越快清零，保单就越早断保。

虽然这种最极端的情况基本不可能发生，我们仍然可以以此为参照，来预测不同IUL保单在挂钩的指数收益长期低于预期的情况下，哪一份保单的风险更小。

三、封顶利率和预期派息率

第三个方面是IUL保单的封顶利率和预期派息率。保单设定的封顶利率越高，客户就更有可能在牛市获得更高的保单收益，保单的升值潜力就更大。

通常封顶利率越高的IUL保单，计划书上使用的预期派息率也越高，虽然这是正常情况，我们仍然需要甄别有些公司使用的预期派息率是否存在“虚高”。这一点很重要，因为使用的预期派息率越乐观，保单计划书做出来就越吸引人，对于销售端越有利，可是当市场表现低于预期的时候，也更容易断保，客户承受的风险更大。

另外，我们也需要把封顶利率、预期派息率和保单扣费结合在一起来看。封顶利率和预期派息率更高的保单，可能扣费也更多，那么多出来的收益其实也被抵消掉了。所以IUL的封顶利率和预期派息率并不一定是越高越好，反倒是预期相对保守，扣费相对比较低的保单，我会更加推荐。

 

四、提取的灵活性

第四个方面是保单提取的灵活性。这里主要针对的是纯理财型的IUL产品，因为这类产品本身的目的就是帮我们赚钱，那么赚到的钱自然是越容易取出来用越好。

对于传统高保障杠杆的IUL保单，提取的灵活性其实没有那么重要，因为传统IUL的主要目的是保障和传承，任何提取都要在不影响主要目标的前提下进行。

五、核保严格程度

第五个需要考量的地方是保险公司核保的严格程度。其中一方面是健康核保，就是已经有一些病史，或者过往体检已经有一些不良指标的客户，能否顺利地买入保单。另一方面是财务核保，对于想要购买高保额的客户，需要提供什么样的收入或者资产证明，这些证明是否容易出具或者获得。

关于核保的严格程度，我们就没有办法从产品介绍或者计划书当中了解，更多需要依赖于保险顾问的实际经验，有时候也考验保险顾问与保司的沟通能力。

 

六、能否远程投保

最后一个方面是能否远程投保，以及远程体检的便利程度。很多海外客户对新加坡IUL有很深的兴趣，但是可能因为工作繁忙，不容易抽出时间前来新加坡投保。能接受能远程投保的IUL这个时候就有明显的优势。

同时，保险公司认可的海外体检机构越多，客户就越有可能在自己所在的城市进行体检，投保也就更加容易。

最后总结一下，这期视频里我列举了六个我认为比较重要的，在挑选IUL产品时应该考量的方面，分别是保单的扣费、稳定性、封顶利率和预期派息率、灵活性，以及保险公司核保的严格程度，和能否接受远程投保。

以上可以为我们对比IUL保单提供一个框架，不过每一位客户的情况和需求各有不同，作为保险顾问需要根据实际情况来量身定制。

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:

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

Financial Alliance（鑫盟理财）：新加坡最大的独立理财顾问公司，成立于2002年
官网：www.fa.com.sg

我们公司的业务伙伴️：
🌎17家寿险公司
🌎37家财险公司（如车险、房险、女佣险、工伤险、旅游险等）
🌎10家基金交易券商平台（如iFAST奕丰、FAME、老虎证券等)
🌎70多家国际和本地基金公司（1000多支全球基金可供投资）
🌎16家房贷银行
🌎9家信托与遗产规划公司

FIT 财务规划，量身定制，财务健康，财务自由
F: Financial Service 财务服务 理财规划、投资咨询
I: Insurance 保险 代理17家寿险公司 多选择、有对比
T: Transfer of Estate 财富传承 家族信托、遗嘱等服务

微信：mu4zi3yu2

WhatsApp：86447202

View My Profile
Contact Me

CONTACT US

  • 150 Beach Road #12-01/08, Gateway West Singapore 189720
  • +65 62221889
  • +65 62221019
  • feedback@fa.com.sg
Disclosure & Disclaimer

Privacy & Cookies Policy

Data Protection Policy

Terms of Use

Terms of Use - Mobile

Fair Dealing

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 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。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 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

Scan for Contact Details

Download Contact
Enquiry

Join our newsletter

Subscribe to our newsletter to receive updates on our latest content!

By providing the info below, I confirm that I am the user and/or subscriber of the telephone number(s) and email address provided by me and I consent to receive from Financial Alliance and/or its financial adviser representatives, any marketing, advertising and promotional information organise by Financial Alliance via voice calls, SMS/MMS (text messages) or faxes to my telephone number(s) provided below. I understand I may withdraw any consent I have given at any time by writing in to Financial Alliance Pte Ltd.

Scan for WeChat QR

Estate Planning

Who Gets What?
If You Don’t Have a Will.

Find Out Now

Retirement Planning

Will I be able to retire comfortably?

Find Out Now

Contact Me

What type of services are you looking for? 请问您需要咨询哪些方面的服务？(Please select all that applies)

ACKNOWLEDGEMENT

By submitting this form, I confirm that

提交此表格，即表示

  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 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。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明，特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 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