新加坡定期寿险–内陆居民也可以远程签单了!

最近看到很多国内和香港的业内人士纷纷发视频,分享了他(她)们专程飞来新加坡买定期寿险的原因。确实,新加坡的定期寿险是非常香的,业内人士人手几分,但很多非金融行业的朋友对定期寿险还是不了解,可能花了大价钱,但是保额却不到位,无法有效的转移家庭潜在的财务风险。今天我在这里仔细为大家讲解,希望能对您有所帮助。

首先让我科普一下: 什么是定期寿险?

定期寿险是一种在特定时期(例如20、30年,或者到65岁,70岁)内提供身故责任赔偿的保险产品。由于定期寿险是一种消费型保险,如果在保障期内未发生身故,重疾,那么消费者将没有赔偿,并且保单没有现金价值。

因此,定期寿险的保费相对于终身寿险要便宜得多。对于那些作为家庭主要经济支柱且家庭收入单一(主要靠这种主动收入)的人来说,购买一份定期寿险来转移因身故或重疾引发的“家庭金融危机”(因病致贫)是非常必要的!

那么我们为什么配置新加坡定期寿险?

(1)最主要的原因是保费便宜:与内地和香港最便宜的几款定寿产品相比,新加坡产品的保费要便宜50%以上。原因是新加坡人均寿命长:新加坡人均寿命83岁,远高于大陆76岁的人均寿命。

(2)其次的原因是政府强制要求。新加坡是一个低税收,低福利的国家,为了确保国民都买得起保险,新加坡政府强制要求每一家保险公司提供简单、便宜的定期寿险产品,并推出了官方的保险比价网站(CompareFirst),以促使行业正当竞争,为国民降低信息差。

(3)最后从保险产品开发的角度来看。通过提高全民的定期寿险参保率,从而减少逆选择的风险,使保费得以进一步降低。

2023年11月内陆居民期盼已久的远程签单终于重启了!

2020你那开始,由于疫情的缘故,风险不可控制,新加坡定期寿险中断了定期寿险的远程签单,很多内陆居民不断询问,但苦于无法飞来新加坡签单,有的客户飞来新加坡就是为了签个定寿,在机场签完字就立马飞回去了。现在所有障碍都扫平了!

Singlife 的定寿在新加坡本地也是非常具有竞争力的,而且Singlife在2022年收购了Aviva在新加坡的业务,寿险也是沿用之前Aviva的产品! 如果说新加坡定寿的性价比是亚洲的天花板,那么Sinlife定寿的性价比堪称新加坡定寿的天花板!

举例:

39岁,男性。配置100万新币–身故/重度残疾,50万新币–晚期重疾,保障到70素,保费2846.05新币!
39岁,女性,配置100万新币–身故/重度残疾,50万新币–晚期重疾,保障到70素,保费2295.85新币

如果您想要一份新加坡定期寿险的报价,欢迎联系我: wechat: NU24102, WA: 006596879885

内地签单须知:

(1)用您本人在新加坡的银行账户缴保费(如果您还没有开设新加坡银行账户,请查看我的另外一篇文章,有具体教您如何1000新币就可以远程开设新加坡账户)

(2)免体检额度50岁以下:200万新币,50岁以上100万新币。如果申请的保额超过免体检额度,那么需要到指定的体检机构或医院去体检,体检费用自己先支付,等保单生效后保险公司会报销体检费。

(3)签约流程为远程签约(需要先做新客户信息登记,成为已有客户)

(4)定寿保障可以包括:身故(最高保额100万新币),重度残疾(最高保额200万新币),晚期重疾(最高保额100万新币)。

(5)需要提交两个身份证明证件:身份证,护照或者驾照。

(6) 保单生效之后,保险公司会发一个电子保单到您的邮箱里面。纸质的保单会稍后快递给您登记的住址。

另外一家保险FWD公司开放澳门的定寿远程签单,可使用海外信用卡交保费。

如果不是澳门本地的客户,需要额外提供:进入澳门的比如入境卡、登机卡等,证明确实在澳门签约即可。

最后给大家总结一下:

(1)相比内地和香港,新加坡定寿保费更便宜,免体检额度更高。

(2)可选择的投保期限很灵活,包括5年、10年、甚至99岁。

(3)除外条件较少,只有在保单生效一年内自杀不予赔付,其他任何原因身故都予以赔付。另外,如果受保人患有终末期疾病(被诊断生存时间不超过12个月)或全残,可提前获得身故赔偿。

给您的建议:

保险是一个长期的规划和配置,每一个选择都是在慎重思考,多次对比后做出的决定。做为独立理财顾问,Olivia 坚持输出高质量的内容,为您打破信息不对称,让您在新加坡的理财配置优中选优,只买对的,不买贵的!

欢迎联系我: wechat: NU24102,  WA: 006596879885

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 Wenjun Olivia 李文君

非常荣幸,您来到我的个人网页。我是Olivia 李文君。2008年来到新加坡做为一个全额奖学金的学生,在新加坡最大公立医院ICU工作7年后,转行理财行业。入行之后我不断的去提升自己,结合自己的医疗背景,为客户转移潜在风险,精准配置。并且帮助客户做财务增值规划,让未来不确定的人生中有一份安心。非常尽心尽力的去服务我的每一位客户,不论您是刚毕业的年轻人,还是身价上亿的老总。希望我可以成为您在新加坡理财规划中的一个值得信赖的资源人士,为您货比三家,优中选优,在超过150家金融合作伙伴的产品中,配置最适合您的理财规划方案。

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  • 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
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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/.

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