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大额保单为何是富过三代，资产保全和传承的必选金融工具

今年 6月5日，北京一张1亿元人民币（约1380万美元）保单「喜报」在社交平台引发热议，据称被保险人是一位0岁宝宝。这份保单属于年金保险，在保单第五年被保险人就可以开始领取年金。以趸交1亿元保费为例，在第五年的时候，被保险人就可以领取10%的首期保费，即1000万元；此后被保险人每年都可以领取300万的金额。如果到100岁，被保险人一共可以领取2.95亿元。
在当今复杂多变的经济环境中，高净值人士对于财富管理和保全有着更高的要求。大额保单以其独特的优势，成为高净值人士财富规划中不可或缺的重要工具。接下来，让我们一起深入探究大额保单的8大主要功能：
01 隔离债务风险
在商业世界中，债务风险如影随形。而大额保单却能为高净值人士提供一道坚实的屏障。早期合法持有的大额保单资产，只要不存在恶意转移资产的行为，其收益便可在持有人和受益人之间合法转换，不被当作遗产分配。这意味着，即便面临债务纠纷，保单所保障的财富也能得以安全留存，为个人和家族的财务稳定保驾护航。

02 家族财产规划
对于高净值家庭来说，如何实现家族财富的有序传承和长远规划是至关重要的课题。大额保单在这方面展现出了极大的灵活性。通过精心设计，保单收益可以精准地指定受益人，并按照意愿规定分配比例。而且，这种指定并非一成不变，可根据家族情况的变化随时更改，比如家庭成员的增加，保单拆分多份，委托第二受保人等等。

如今市场上甚至出现了长达300年的终身寿险保单，为家族财富规划提供了更为广阔的视野和更长远的布局。这意味着家族的财富可以跨越数代，持续为子孙后代提供保障和支持，确保家族的繁荣昌盛得以延续。大额保单就像一位忠诚的家族财富管家，默默守护着家族的财富传承之路。

03 税务规划优势
税务问题一直是高净值人士财富管理中的重要考量因素。大额保单在税务规划方面具有显著的优势。首先，保单的身故理赔金无需缴纳高额的遗产税，这无疑为家族财富的传承节省了一大笔开支。其次，这笔理赔金还可以作为遗产税的税源储备，为应对可能的税务负担提供了充足的资金保障。

当面临地产或其他可能需要缴纳高额遗产税的资产时，大额保单的理赔金能够及时发挥作用，避免因税务问题导致资产的大量流失。这种前瞻性的税务规划，使得高净值人士在财富传承过程中更加从容，确保家族财富能够完整地传递给下一代。

04 隐私保护功能
在财富传承过程中，隐私保护对于高净值人士来说至关重要。大额保单在这方面提供了高水平的保障。与遗嘱不同，保单受益人的指定无需经过所有继承人的同意即可生效，大大减少了遗嘱争议和争产风波的可能性。

高净值人士往往希望在财富安排上保留一定的隐私，避免家族内部因财产问题产生矛盾和纷争。大额保单的这一特点，使得他们能够在不引起过多关注和争议的情况下，实现财富的有序分配，为家族的和谐稳定奠定基础。

05 高杠杆效应
人寿保险中的高杠杆效应对于高净值人士来说是一种极具吸引力的财富放大工具。通常终身寿险有3-4倍的杠杆放大效用，如果是指数型万能寿险，根据购买时的年龄和保费缴费年限，可以达到7-10倍， 所以较低保费就可以获得高达1000万美元的保障。这种以小博大的机制，为个人和家庭提供了高额的风险保障，同时也实现了财富的显著增值。

对于高净值人士而言，合理利用高杠杆效应可以在关键时刻为家族财富提供强大的支撑。无论是应对突发的经济危机还是保障家族事业的持续发展，大额保单的高杠杆效应都能发挥重要作用，成为他们财富规划中的有力武器。富过三代，也不是很难。
06 资金融通
有现金价值的大额保单不仅具有保障功能，还具备资金融通的优势。在急需资金时，保单持有人可以通过保单质押贷款的方式，在不动用本金的情况下获得资金支持。尤其是在低利息环境下，这种贷款方式只需支付利息，无需归还本金，极大地提高了资金的灵活性和使用效率。

同时，对于追求财富安全的高净值人士来说，终身年金险所带来的收益锁定功能更是提供了不可替代的价值。在不确定的经济环境中，能够确定未来拥有稳定的现金流，无疑为生活增添了一份安心和保障。大额保单的这些功能，使其成为高净值人士实现财富稳健增长和灵活运用的重要手段。
07 收益锁定功能
终身年金险等大额保单产品能够提供长期的、固定的收益，不受市场波动的影响。对于高净值人士来说，大额保单的收益在投资回报上不算突出，算不上优等生，但是财富的安全性比增值更为重要。使他们能够在未来享有稳定的财务保障，而不必担心市场的起伏。它不仅帮助他们抵御外部经济风险，还能确保未来生活品质的稳定，从而实现财富保全和稳健传承的目标。

08 创造与生命等长的永续现金流
大额保单能够为高净值人士提供与生命等长的永续现金流，成为他们财富规划中不可或缺的一部分。通过保单，每年提取固定比例的收益，便可获得持续稳定的收入，确保生活质量不受经济环境变化的影响。

例如，开始提到的那个1亿元保费保单，为刚出生的宝宝提供了每年300万元的稳定现金流，确保一生的财务安全。

总结
大额保单的功能还有其它，总结这8大主要功能，使得大额保单在高净值人士的财富管理中具有无可替代的重要地位，成为家族传承和财富保全的核心金融工具。
如要了解大额保单相关信息，欢迎一起沟通讨论。

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）
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  • 教育养老规划，投资规划以及年检
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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：

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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，欢迎联系我。

 

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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.

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