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致富:投連壽險重傳承 需注意投資風險

2022年01月28日

保險產品種類繁多、五花八門,準投保人選用保險服務前,宜先了解自己之實際需要、投保目標、供款能力等。保險是一種「風險管理」,一旦風險出現了,投保人便能將潛在的財務損失轉嫁予保險公司或降至最低

保險產品種類繁多、五花八門,準投保人選用保險服務前,宜先了解自己之實際需要、投保目標、供款能力等。保險是一種「風險管理」,一旦風險出現了,投保人便能將潛在的財務損失轉嫁予保險公司或降至最低;只要定期繳納保費,便能換取預期的風險保障。最常見的保險產品是人壽保險(Life Insurance),在這類保險計劃下,受保人一旦身故,保險公司便會給予指定收益人約定的賠償金額。現金流較為充裕的消費者,比較偏向選擇儲蓄型的終身壽險計劃(Whole Life Protection Plan),同時兼享人壽保障及儲蓄的功能。在儲蓄功能上,傳統之終身壽險計劃回報率相對低,因此,投資相連壽險計劃(簡稱「投連壽險」或‘ILAS’)便應運而生。致富財富管理部總經理張德明將會分兩期介紹此保險品,今期先介紹何謂投連壽險。

張德明解釋,投連壽險並非一項新產品,在2005至2008年期間投資市場表現暢旺時,此類計劃很受民眾歡迎,惟後來發生金融海嘯,股市向下調整,有些客戶欲取回款項應用時,發覺退保現金價值很低,引起爭議,鑑其主要原因,是投連壽險的整個保單價值跟投資市值是相連的,當投資市況調整時,保單價值亦會隨之改變。

張氏補充,投連壽險雖然是一份保單合約,但其人壽保障金額與保費的比例,較傳統的人壽保險低。現時零售市場的投連壽險產品大致可根據人壽保障程度劃分為三類:「高保障的投連壽險」、「保本身故賠償的投連壽險」及「固定105%的投連壽險(即身故賠償為戶口價值的105%)」。舉例:一份「固定105%」的保單,若受保人不幸身故,給予受益人的身故賠償是相等於戶口價值的105%,換句話說,連繫投資表現欠佳時的身故賠償將會減少,甚至可能遠低於已繳的保費,並可能不足以應付保單持有人的個別保險需要。所以,準投保人選用此類保險前,宜先跟保險或理財顧問了解自己的實際保險需要及投資風險承受能力。

不過,對於具有一定資產及熟悉投資市場的客戶來說,亦可考慮投連壽險,因計劃帶有受益人功能,方便客戶將財富傳承。受益人最快可在投保人離世後2至3星期內獲得這筆資產。張氏補充,財富管理服務產品廣泛,坊間上較為普及的,有股票、基金、債券、保險等,其中亦再分不同種類,具不同投資風險。客戶選擇投資項目時,建議不妨多做功課及「貨比三家」,或向相熟的理財顧問查詢,為您搜尋及篩選合適的服務。

開戶尊享 HK$300 獎賞優惠

由即日起,親臨致富理財中心或於網上開戶並輸入推廣碼 US099,只需符合相關條件,可享HK$300 Donki禮券!推薦親朋好友開戶,可以獲取高達HK$6,000禮券*![了解更多]

投資基金「零」負擔

透過「致富通」應用程式或致富網頁,投資基金「零」負擔,單次認購或月供計劃一律免佣,基金購金額更低至5,000港元或700美元,另購買精選保險享有高達50%折扣優惠。

致富有提供債券、基金一站式投資策略,比供客戶選擇。想知道和了解更多,請即刻聯絡我哋們投資策略專員解答疑難!

WhatsApp : [投資策略專員]

更多基金資訊、種類 和 比較:

[連結]



免責聲明
上述報告由致富證券有限公司(「本公司」)所提供,所載之內容或意見乃根據本公司認為可靠之資料來源來編製,惟本公司並不就此等內容之準確性、完整性及正確性作出明示或默示之保證。上述報告內之所有意見均可在不作另行通知之下作出更改。上述報告的作用純粹為提供資訊,並不應視為對上述報告內提及的任何產品買賣或交易之專業推介、建議、邀請或要約。本公司及其附屬公司、僱員及其家屬及有關人士可於任何時間持有、買賣或以市場認可之方式,包括以代理人或當事人對本報告內提及的任何產品進行投資或買賣。投資附帶風險,投資者需注意投資項目之價值可升亦可跌,而過往之表現亦不一定反映未來之表現。投資者進行投資前請尋求獨立之投資意見。本公司在法律上均不負責任何人因使用本報告內資料而蒙受的任何直接或間接損失。本公司擁有此報告內容之版權,在未獲本公司許可前,不得翻印、分發或發行本報告以作任何用途。

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