人寿保险,是选定期寿险还是终身寿险呢?

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 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:

Wang Hongna Anna

您好,我是洪娜Hongna,是新加坡最大独立理财顾问公司Financial Alliance鑫盟理财的资深理财顾问,拥有6年+的行业经验。

专注于为职场人士和家庭提供全面的财务保障服务,致力于帮助客户建立安全的保障体系和理财方案。特别是成为在新加坡的华人和新移民值得信赖的理财顾问。

专业学术背景和经历

山东财经大学经济贸易本科学位,拥有新加坡银行和金融学院认证,国际金融理财师认证CFP®。过去的学术背景和不断的自我提升,让我具备了坚实的理论基础,使我能够更好地为客户提供财务规划方面的建议。并且坚信终身学习是作为一名理财顾问的基本要求。

从开始的AIA单一保险公司转换到现在的独立理财顾问公司,始终保持以客户为中心,中立,客观的为客户进行财务规划。在基本医疗保险申请索赔和教育,养老规划上有经验。 希望成为您家庭财务的急救工具箱,事先准备好工具(规划方案),并在需要的时候能够快速地,正确地使用工具。

具体提供以下财务规划服务:

  • 风险管理(医疗保险和人寿保险)
  • 财富保障规划,保险规划以及年检
  • 教育养老规划,投资规划以及年检
  • 传承规划(CPF提名,LPA, 遗嘱等)

欢迎链接我,成为您财务保障和规划上的好伙伴。

CFP®️ Certified Financial Planner

Hello, I am Hongna, a senior financial advisor at Financial Alliance, the largest IFA firm in Singapore, with over 6 years of industry experience.

Specialized in offering comprehensive financial protection services for professionals and families, dedicated to helping clients build secure insurance systems and financial plans for themselves and their loved ones. My goal is to become a trusted financial advisor, especially for Chinese individuals and new immigrants in Singapore.

Focus on providing services:

  • Risk Management(Health Insurance & Life Insurance)
  • Insurance portfolio Planning & Review
  • Investment Portfolio Planning & Review
  • Education and Retirement Planning
  • Estate Planning (CPF Nomination, LPA, WILL)

Feel free to connect with me; I look forward to being your trusted partner in financial protection and planning.

如果您希望获得更多保险理财相关的建议和帮助,欢迎点击我联系

 

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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
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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/.

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  • I have read and understood FAPL’s Personal Data Policy, and hereby give my acknowledgement and consent to FAPL to use my personal data in accordance with FAPL’s Personal Data Policy.
  • 我已阅读并理解鑫盟理财私人有限公司的个人数据保护政策,并同意鑫盟理财私人有限公司根据个人数据保护政策所阐述的用途使用我的个人资料。
  • I have read and understood the disclaimers above and hereby affirm my acceptance of these terms.
  • 我已阅读并理解了上述免责声明,特此声明接受这些条款。
  • I have not been directly contacted or approached by any representative or employee of FAPL with an offer or solicitation to apply for any financial products not offered in my home country.
  • 鑫盟理财私人有限公司的代表或员工并未直接与我联系或提出要约或招揽购买我原居住国境内所不提供的任何金融产品.
  • 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
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
  • 鑫盟理财为非新加坡居民所提供的任何服务仅限于直接向鑫盟理财发出咨询请求的国外居民。
  • 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).
  • 作为提供此类服务的一部分,鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息(例如,关于海外司法管辖区以外的资金管理或投资咨询服务等信息)。
  • 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。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 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。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
  • 未经鑫盟理财的事先书面同意,不得将这些文件全文或部分发布,传播,复制或分发给其他人。
  • This document is not intended for distribution to, publication or use by any person in any jurisdiction, where such distribution, publication or use would be contrary to applicable law or would subject FAPL and its related corporations, connected persons, associated persons and/or affiliates to any registration, licensing or other requirements within such jurisdiction.
  • 鑫盟理财无意在分发,出版或使用此类文件可能违反当地法律,或本公司及关联公司或关联人士需要注册,获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
  • 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.
  • 在与鑫盟理财进行讨论或签订合约时,您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

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