人寿保险,是选择定期寿险还是终身寿险呢?
在新加坡,购买人寿保险已经非常普及,但很多人会在定期寿险和终身寿险之间犹豫,不知道该如何选择。以下是三个可以帮助您做出决定的重要指标:
1)投保额度
首先需要考虑的是投保的额度是否足以在意外发生时为家人提供充足的保障。根据新加坡寿险协会(LIA)的建议,要在意外发生时获得足够的基本生活保障,投保额应至少为年薪的10倍。如果担心保费会对财务构成压力,可以选择保费低、保额高的定期寿险(term insurance)。
以30岁男性为例,不吸烟,100万新币的定期寿险,保障至65岁(up to age 65),每年的保费低至514新币。如果只保障20年,每年保费只有338新币,平均每天不到1新币就有100万新币的保障。同样保额情况下,终身寿险的保费则要高出几倍甚至十几倍。因此,在预算有限的情况下,保证足够的保障额度应为首要考量因素。
2)保障期限
定期寿险的保障期限较短,因此同样保额的保费就会更便宜。上面的例子已经说明了这一点。
定期寿险的保障期相对终身寿险较短,例如只保障到60岁或65岁。如果投保人在35岁前生儿育女,保到65岁时,子女已经成年并能自食其力,那么停止保险的问题就不大。但如果投保人较晚生育,就需要保障到70岁甚至75岁,这时就需要选择保障期限较长的保单。
终身寿险则不存在保障期限长短的问题。通常终身寿险可以选择10年到25年的有限保费期限,但能获得终身保障。有的人会选择在工作收入稳定上升的20年左右时间里把保费付完,以获得永久的保障,这完全因人而异。
3)附加险选择
例如重大疾病通常都是作为附加险附加在寿险中,重疾有单次索赔和多次索赔之分。只有定期寿险可以附加多次赔付的重大疾病险,而终身寿险只能选择单次赔付的。所以,如果需要多次赔付的重大疾病附加险,就只能选择定期寿险。
最后,常说成年人不做选择,两个都要。定寿和终身寿结合也有其好处的。例如,刚刚购买房子可能有百万房屋贷款,或者孩子尚小,家庭顶梁柱的责任重大。这时,可以选择高保额、保障期限较短(参考剩余房贷期限和抚养孩子到成年的时间)的定期寿险,同时将终身寿险的保障额度适当调低,从而降低保费以换取终身的保障。
如果已经有了重疾保障,只是考虑身故保障的话,介于定期寿险和终身寿险之间的指数型万能寿险(IUL),具有现金价值,兼具流动性和高杠杆保障作用,是一个不错的替代选择。
每个人的需求和家庭财务状况不同,究竟购买定期寿险还是终身寿险,或者二者结合,需要根据个人具体情况进行分析考虑。如果您需要理财顾问的帮助,请随时联系我。
Hongna
微信:hongnasg
whatsapp:91689137
公众号:狮城生活有保
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.
您好,我是洪娜(Hongna),现任新加坡理财顾问公司 Financial Alliance 鑫盟理财的资深理财顾问,拥有8年从业经验,持有国际金融理财师CFP®认证及AEPP高级认证,并荣获新加坡银行与金融学院(IBF)高级认证。
我专注为职场人士、家庭及企业提供全方位的财务保障和理财规划服务,特别致力于成为在新加坡的华人、新移民及其公司最值得信赖的财务规划伙伴。
我从单一保险公司起步,现已全面转型为独立理财顾问,始终秉持“客户优先”的原则,为客户提供中立、客观、专业的财务建议。无论是医疗保险索赔、教育与养老规划,还是企业员工福利与商业保险,我都能为您量身定制解决方案。
我希望成为您家庭和企业财务的“急救工具箱”,在风险来临前预先准备好合适的工具,在关键时刻提供及时、准确的帮助。
Hello, I’m Hongna, a Senior Financial Advisor at Financial Alliance – the largest Independent Financial Advisory (IFA) firm in Singapore – with 8 years of experience in the industry. I hold the CFP® (Certified Financial Planner), AEPP certification, and the IBF Advanced Level accreditation from the Institute of Banking and Finance Singapore.
I specialize in delivering holistic financial protection and planning solutions for professionals, families, and business owners – with a particular focus on Chinese expatriates and new immigrants in Singapore.
Transitioning from a tied agency to an independent advisory platform, I stay committed to putting my clients’ best interests first, offering neutral and tailored financial solutions. Whether it’s claims for hospital insurance, planning for education or retirement, or setting up employee benefits and corporate insurance, I aim to be your go-to advisor for all financial protection needs.
My goal is to serve as your Financial First Aid Kit – having the right tools (plans) ready in advance and applying them correctly when needed.
By submitting this form, I confirm that
提交此表格,即表示
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
Subscribe to our newsletter to receive updates on our latest content!
By submitting this form, I confirm that
提交此表格,即表示
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