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新加坡保险 市场概况

新加坡的保险市场呈现充分竞争的特点，是该国服务业的关键组成部分，特别是金融保险业。以下是对新加坡保险市场的一些概述和特点：

1. 新加坡经济及金融环境

  • 经济增长引擎： 新加坡的经济主要由制造业和服务业推动，其中金融保险业占据重要地位。
  • 全球财富管理中心： 作为全球财富管理中心之一，新加坡拥有发达的金融市场和一个竞争激烈的保险市场。
  • 国际化： 保险市场不仅服务本地客户，还覆盖整个亚洲地区，吸引了众多知名保险公司设立分支机构。

2. 保险销售渠道

新加坡的保险产品主要通过以下渠道销售：

  1. 保险公司专属代理人 (Tied Representatives): 这些代理人代表特定的保险公司，为客户提供该公司产品的规划和配置。
  2. 银行渠道 (Bank Representative): 银行作为中介代理和推广保险公司的产品，通常与保险公司合作在一定时期内代理和推广特定产品。
  3. 理财顾问公司 (FA Representative) / 独立理财顾问公司 (Independent Financial Representative): 一些保险公司设立自己的理财顾问公司，而独立理财顾问公司不受任何保险公司的约束，可以代理多家公司的产品。

3. 销售趋势

通过销售数据的观察，可以得出以下趋势：

  • 专属代理人和银行渠道下滑： 保险公司专属代理人和银行渠道的销售总保费和保单总量在不同程度上呈下滑趋势。
  • 理财顾问公司和独立理财顾问公司上升： 相反，理财顾问公司和独立理财顾问公司的销售总保费和保单总量连续三年呈上升趋势。

4. 销售代理人的生产力

  • 生产力比较： 理财顾问和独立理财顾问公司的生产力明显超过了保险公司专属代理人。新加坡约有1.5万专属代理人，而理财顾问和独立理财顾问代理人总数约为6000人。

5. 代理人类型

  • 专属代理人 (Tied Representatives): 代表特定保险公司，为客户提供该公司产品的规划和配置。
  • 银行渠道 (Bank Representative): 银行推广保险公司的产品，作为中介代理。
  • 理财顾问公司 (FA Representative): 保险公司设立的理财顾问公司，代理自己公司和其他公司的产品。
  • 独立理财顾问公司 (Independent Financial Representative): 不受任何保险公司约束，可以代理多家公司的产品，以客户利益为中心。

6. 金融管理局对独立理财顾问公司的要求

  • 独立性要求： 金融管理局对独立理财顾问公司有严格的要求，要求其完全做到中立，以确保以客户利益为中心。

7. 消费者建议

  • 多元选择： 由于市场竞争激烈，消费者可以从众多产品和渠道中进行多元选择，以最大化自己的利益。
  • 仔细比对： 在配置保险和其他金融产品时，建议仔细比对各个产品，选择最符合个人需求的方案。

总体而言，新加坡的保险市场充分竞争，为消费者提供了更多选择和优势。消费者在购买保险时应谨慎比较，选择最适合自己需求的产品。

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 Wenjun Olivia 李文君

您好，我是 Olivia 李文君。2008 年以全额奖学金来到新加坡，并在本地最大公立医院 ICU 工作了 7 年。长期在高压与高度负责的环境中，练就了我的决策力，同时我深刻理解了风险、稳定与财务安全的重要性。也正因如此，我选择进入理财行业，希望能把“在问题发生后抢救”，变成“提前帮家庭避开问题”。医学背景带给我的，是对新加坡医疗体系的深度理解，对不同客户适合的医疗机构，专家以及治疗的专业严谨判断力，也是一种对每一个家庭都必须认真负责的态度。

进入理财行业后，我专注于 风险管理、保障架构、跨境家庭资产配置，并把医学时期的逻辑思维延伸到财富规划中。作为 金融顾问（FA），我不受任何单一公司限制，可从 150+ 金融机构 的方案中做深度比较，为客户搭建透明、可执行、长期可坚持的规划结构。我服务的客户多为在新加坡发展的专业人士、新移民家庭，以及需要更高精准度规划的企业主与高净值人士。他们的共同点是：不喜欢被推销，而需要一个站在他们立场、判断清晰、长期可靠的顾问。

我也在视频号、小红书、Instagram、YouTube（账号：奥莉私房话）长期分享新加坡的保障体系、财富规划逻辑与实用案例，希望让更多家庭在重要决策上少走弯路、拥有更高的确定性。如果您正在寻找一位专业稳健、真诚可靠、可以长期合作的顾问，我很愿意从一次轻松的交流开始，帮助您和家人建立一个更安心、更有方向的未来。

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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
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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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  • 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。
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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.
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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