新加坡大额保单

中高净值人士钟情于万能寿险,不仅仅是因为他是美金保单,还有其他功用。

普及一下, 万能寿险即Universal life, IUL即indexed universal life指数型万能寿险(险资投资标的是挂钩美股和港股大盘指数), VUL即Varial universal life可变万能寿险,均是大额保额,保终身,甚至到120岁。UL和IUL的最低保额要求是50万美元, 这样白领阶层都有能力购买的; VUL最低保费是25万美元甚至有的公司要求50万美元保费。

每个人通过万能寿险要解决的问题都不一样,下面提供一些范例给大家做参考。

新桥投资咨询

举例1,一名育有两个孩子的单身妇女(55岁)有500万元现金,她想把300万元留给自己养老,再给每个孩子留下一笔可观的遗产。她可以考虑以200万元购买一份保额为600万元的万能寿险保单,并设立一个家族信托,在她过世后子女可向保险公司索赔,两名子女平分这笔款项,每人至少可获得300万元。

举例2,一位40岁的中国高净值人士王先生想做全球资产配置,分散货币和地域风险,可以拥有美元资产,又不把鸡蛋放在同一个篮子里,分散风险。所以他做了1000万美金的万能寿险。其实王先生无需将全部1000万资产汇出,在境外做一个1000万保额的万能寿险保单,只需准备好250万左右的保费即可。因这1000万的保额王先生的受益人终有一天可以拿到,那么王先生在当下就可以对自己750万的现金流做出合理安排,或投入高回报的投资,或作为生活开销,而不用有任何后顾之忧。newbridgesg

举例3,一个想要做社会公益慈善的李太太,想要给某慈善机构捐款300万。李太太无需把300万一次性拿出交给慈善机构,她可以考虑用100万现金做一个300万保额的万能寿险保单,受益人为该慈善机构。这样李太太实质捐给慈善机构的款项仍为300万,但只动用了较小的现金流,并且在当下即获得了良好的口碑和声誉。

举例4,2004年9月14日去世的台湾首富蔡万林,身前财产约2564亿新台币,按照台湾现行遗产税率50%,蔡家后人应该缴纳遗产税约500亿新台币。但实际上只缴了1亿多的新台币,为何?原来蔡万林早就为自己做好了节税规划,为自己购买了巨额的万能寿险保单,以达到规避遗产税、合理安排资产的目的。辛辛苦苦打拼很多年挣下偌大家业,但生不带来死不带走。这些财富怎样才能准确、有效地传承下去是很多富人关注的问题。资产的安排会受到法律的限制,比如说夫妻共有财产不能说想给谁就给谁,但保险却能指定受益人,同时又能避债免税。Newbridgesg

举例5,财富传承、继承的范围很广,现金、不动产、公司股权、公司有价证券、知识产权等,都可以通过法定继承和遗嘱继承实现。可这部分的价值,在用有人过世时,都不固定,甚至可能贬值。在目前的金融工具中,哪部分财富最保值和容宜规划?显然是现金。而万能寿险最终受益人拿到的就是现金。

举例6,某公司由3名自然人股东A、B、C各出200万元所创,注册资金共计600万元。2年后公司资本增长到1.12亿元,但账面流动现金只有100余万元。这时,B应酬客户后突发急症身故,B的家属提出了权益主张申请:(1)撤回原投资款200万元;(2)领回2年间公司应分未分之分红36万元;(3)B是在为公司拓展业务的时候发生风险,请求公司给予抚恤金100万元。共计336万元,要求在1个月内支付。如做不到家属将在保留第3项请求的同时,将股权以400万元转让给该公司的竞争对手。这让股东A和C非常为难:因与B交情甚好,很愿意出400万元妥善处理此事,更要维护公司股权的完整。问题来了:(1)此时公司净资产评估值已达1.12亿元。(2)账面现金只有100余万元。(3)企业面临的更大问题:B的股份会被竞争对手收购。

如果股东之间通过万能寿险保单实施了股东互保方案,从财务管理角度看,这笔钱无论作为风险管理费还是成本控制费,对企业经营都是必须的,尤其是公司大股东。如果实施了股东互保方案,在股东B突然离世后,将很快从保险公司拿到400万理赔金。既满足了B家属的要求,又不会影响到公司的运作。

所以除个人方面的需求,万能寿险也能满足商业需求,可以用于做为公司收益保障的规划,比如企业也可为重要的高层投保,如果高层突然去世,在公司盈利下降时可获赔付。

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在过去,只有净值身价至少500万美元的富豪才应考虑购买万能寿险。现在大众富裕层也可考虑,保额从50万美金起,更多年薪在15万元左右的白领人士其实也在购买万能寿险,而年纪越轻保费就越低。最重要的,作为财富规划的重要工具之一,它可以应用在不同的风险管理中。

不过,万能寿险并不万能,它不能取代人们对于大病,意外,住院,残疾等方面的保险需求,所以,只有全面的财务规划,才能帮助人们抵御各种风险。

新加坡现在有一种可以远程视频签单的万能寿险,可以灵活缴费,可一笔交费,可5年缴费,可以10年缴费,可以15年缴费。

举例来说, 满40岁不吸烟男,若购买100万美元保额,5年缴费,每年只需缴费42541美元,5年一共缴费212705美元,保障终身,有事赔付100万美元,没事当存钱增值,到70岁时退保预计可拿回444658美元,到80岁退保预计可拿回来597821美元。

满40岁不吸烟男,若购买200万美元保额,5年缴费,每年只需缴费85082美元,5年一共缴费425410美元,保障到100岁,到70岁退保预计可拿回来889316,到80岁退保预计可拿回来1195642美元。

以上仅为举例说明,所有的计算结果和陈述仅作为概念例证和信息用途,该信息不作为任何理财产品的招揽、要约或广告。

声明: 部分内容来自网络, 侵删;文章仅代表个人观点,不做任何投资建议,不承担任何法律责任。上文不属于广告,也未经监管部门批准发布,纯属知识讨论。

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:

张学永(Zhang Xueyong Rocky)

理财团队高级总监;

个人业绩纪录保持者(Top producer), 团队业绩冠军(Top Leader),团队业绩纪录保持者;领跑者;

新加坡最大IFA公司冠军理财团队洛奇财富团队创始人;

1 帮您财务健康,合理资产配置,实现财务独立,有效财富传承;
2 招聘和培训理财顾问事业合伙人
3 打造新加坡顶尖理财顾问联盟

洛奇财富团队的使命宣言(RockWealth group mission statement):
在新加坡和大中华地区, 打造高度称职理财顾问,服务高度赏识客户群体,建立高度互利朝阳事业.

RockWealth Group Makes Your Wealth Robust.

我是移民新加坡的中国人;生活简单,愿意帮助他人,喜欢运动(乒乓球,篮球,跑步等);恪守诚信、荣神益人!

我的愿景是让您财务更健康、人生更丰盛。My vision is to make life great again with financial fitness.
我的使命是帮助客户建立正确的理财观和方法论,实现财富健康。My mission is to help people build up correct financial and investment mindset, find the right way to grow wealth to achieve financially FIT.

新加坡保险, 新加坡定期寿险, 新加坡指数型万能寿险, 新加坡可变万能寿险, 新加坡私募保单PPLI, 新加坡投资连接险, 新加坡终身年金险, 新加坡储蓄保险, 新加坡基金定投

新加坡基金, 新加坡投资理财,新加坡私募基金, 新加坡数字货币基金, 新加坡家族信托, 新加坡IFA理财团队, 新加坡金融理财, 新加坡独立理财顾问

在新加坡最大的IFA公司financial alliance做理财高级总监,擅长大额保单实操、保险规划、退休规划、基金投资建议、遗嘱和家族信托安排、家族办公室、传承规划、高净值私人财富管理等,真正以客户为中心的专业中立一站式全面综合理财规划服务.

联系微信: xyzupup

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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/.

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