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不用见面， 也能买到的新加坡高保障定期寿险

新加坡定期寿险是出了名的便宜，香港的精算师都来新加坡买这个险种， 新加坡的定寿便宜是因为新加坡人均寿命高，平均寿命83岁， 每3个人中就有一个会活过90岁。我公公就已经90岁了，家里亲戚好几个都是80-90这个年龄段， 照样出门踩单车，买菜。

什么是定期寿险？

它是保障人生关键期的消费型保险，保费vs保额杠杆高，如果投保到期没事则保单就结束了，没有现金拿回家，这个是和带现金价值的终身寿险最大的区别。

因为人生关键期挣钱能力强，同时家庭责任大，上有老下有小，还有房贷车贷，所以这段时期家庭主要经济支柱需要有较高保障，有些人觉得如果用不上， 这钱就打水漂了， 要知道保险公司1%到一个家庭身上就是100%， 与其搞这筹那筹，还不如自己为自己负责， 给家人一份安心。

定期寿险可以保障什么？

1) 身故： 任何原因的身故都可以， 比如意外，生病，除了自杀是需要保单生效一年后才可以；

2）TPD: 叠加全残附加险， 在符合全残定义下可以提前获赔;

3) 可以附加重疾保障， 要注意的是重疾保额会占用定寿保额。如果100万定寿，20万重疾：在发生重疾索赔20万后，身故时获赔剩下的80万。

能买多少不用体检就可以投保？

如50岁以下的人，200万新币（或等额美金）保额免体检，前提是如实告知健康情况；国内可投保城市除了西藏和新疆之外都可以，而且不分主要城市还是非主要城市。
海外远程投保的流程怎样？
1）沟通保险方案（保多少年、保额多少、什么货币等）
2）客户提供申请表格所需的资料， 如实告知健康情况
3）收集信息后，我会做好申请资料， 系统发电邮到提供的邮箱
4）在线视频签单： 签KYC 和申请表
5）核保通过后，客户缴纳首年保费，保单正式生效。可用国内信用卡自动扣款付费, 后续也可以一直用信用卡自动扣款。
6）后续我们还要做好收益人提名表格
另外值得注意的是身故和全残的保费与新加坡本地居民完全相同，不存在加费。如果附加重疾保障，则重疾部分会有额外的保费。
比如一位45岁女性， 100万新币定期寿险，没有其他附加险，保到65岁保费是796， 保到70岁是906，75岁则是1097新币。要注意这个保费和投保年龄关系很大， 越年轻保费越便宜。
如何理赔？
我们当然希望这份保单一直用不上， 不过如何用到了，也无需本人来坡，只需翻译公证相关资料后电邮过来，我会协助理赔。
以上内容不作为投保建议， 如有需要， 也可以联系我的个人微信号：NicoleSU2020

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:

Su xiaoning

Hi, I’m Nicole, 中文名 苏小宁.

感谢访问我的网站， 我来自中国：上海， 家有两娃， 2018年搬来新加坡，之前一直电信行业工作多年。

我爱美食， 国学，爱打羽毛球， 爱交朋友。在这份工作之前我就做过多年投资，读过MBA,  我热爱这份工作，因为这份工作可以让我接触各行各业的人，我的客户也是我的朋友 ，专业是客户给我最多的评价！ 

不忘初心， 做个有温度有专业的财务规划师是我的毕生工作，我愿意做一位永不退休者， 终身学习者。

目前我的服务内容如下：

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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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  • 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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  • 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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  • 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