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新加坡保险-简单科普一下什么是IUL（Indexed Universal Life）指数型终身万能险

最近万能指数险IUL（Indexed Universal Life）非常的火爆，很多的客户都在问我们咨询这到底是个什么样的神仙产品。其实这个产品早就存在，最早它是1997年在美国推出的同时具有投资和保险属性的产品，它是过去十年里成长最快的一个险种。目前新加坡市场就有好几家保险公司提供IUL产品。

我们先不管IUL是怎样设计出来的，你只需要知道它的基本属性就是一款终身寿险产品，理赔条件也非常简单，那就是只要保险合同还有效，身故就可以理赔。

IUL跟传统意义上的终身寿险比较，最大优势就是保费便宜，保险杠杆高。举一个例子，一个40岁非吸烟的女性，可以用100万的保费来撬动1000万的保额。IUL的保费缴纳也具有灵活性，你可以选择一次性缴保费，也可以根据你的预算分期缴纳保费。

那为什么传统意义上的终身寿险贵但还是有市场呢？因为IUL不能够有附加险，身故是唯一的理赔条件，而传统意义的终身寿险是可以附加重疾险的，这样就不仅仅是身故可以理赔，生病时也就可以获得理赔了。

传统上IUL保险是受到高净值人士的青睐，它更多的是被用于传承。因为身故理赔是一定会发生的事件，所以理赔金是一定能够获得的，那理赔金就可以用于传承。

虽然IUL被高净值人士更为经常的使用，但是它的保费并没有贵到离谱。一般的中产家庭，在配备好了家庭的保障保险之后，养老规划也已经完成，完全可以使用IUL来进行一些财富传承甚至是养老方面的规划。

如果想进一步了解IUL是如何设计，如何运作的，私信我 @ jasmine_at_sg，帮助你了解更多。

 

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.

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马静 Jasmine

Hi， I’m Jasmine.

After 20 years of living in London, I chose Singapore, this vibrant city, to settle down and be an independent financial consultant.

Effective financial planning is the way towards financial freedom and ultimately towards the freedom of time in your life.

I’m looking forward to getting to know you personally and strive towards helping you planning your financial needs to grow your wealth portfolio and achieve financial freedom.

您好！我是马静

在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

理财是一种生活理念和生活方式的选择，通过合理的投资理财规划，可以帮助我们实现财富增值、财务自由。

我坚信：财务自由，则可以时间自由；时间自由，则心灵自由；心之自由，才是生命之大自由。

请让我陪伴您这一段意义非凡的通往财富自由之路的旅程！

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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/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

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