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致富:終身儲蓄壽險助財富累積

2021年05月31日

萬用壽險是儲蓄壽險的一種,可透過向銀行敍造保費融資,增大保障額,達致累積財富、承傳財產等目標。終身儲蓄壽險與定期壽險在保費上可以相差多遠?致富財富管理部總經理張德明提出以下真實例子供大家參考:

終身儲蓄壽險與定期壽險在保費上可以相差多遠?致富財富管理部總經理張德明提出以下真實例子供大家參考:

一名35歲非吸煙男士,人壽保障額300萬元,同一間保險公司提供兩種壽險選擇。終身儲蓄壽險的供款期為25年,每年保費固定為72,270元,即供款至60歲合計繳付約180.6萬元保費。

這款壽險具有累積財富功能,如果投保人選擇在85歲時退保,預期可取回的保證和非保證現金價值合共超過967萬元;如果在100歲時退保,預期可取回逾1,589萬元現金價值,其中258萬元為保證現金價值。

同一情況下,定期壽險最長保障至85歲,每20年續保及調整保費。在35至55歲期間,每年保費為5,280元,20年總保費為10.56萬元;在56至75歲期間,每年保費增至29,310元,20年總保費合共逾58萬元;而在76至85歲期間,每年保費大增至約25.69萬元,令最後10年總保費飆升至256.9萬元。不要忘記定期壽險所繳付的保費不能取回,亦不能作保單貸款。

因此,他認為定期壽險比較適合出來剛踏入社會工作、收入不高的年輕人,以及新婚或剛有小朋友的人士,以較便宜的保費為受養人提供較大保障。終身儲蓄壽險則適合需要較長保障期或以儲蓄為主要目標人士,獲得人壽保障的同時,亦可累積財富。

他補充,萬用壽險是儲蓄壽險的一種,可透過向銀行敍造保費融資,增大保障額,達致累積財富、承傳財產等目標。

如有任何疑問,致富專業的客戶經理很樂意為客戶解答疑難,歡迎隨時致電或透過致富網站線上查詢https://bit.ly/3a3cylo 。

客戶現可透過「致富通」應用程式或致富網頁,靈活投資基金。另透過「致富通」手機應用程式申請網上基金認購,享有低至$0認購費優惠。

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!

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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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