巧用新加坡万能寿险,防范人生风险,守住和传承家庭财富

新加坡万能寿险   “万能寿险”(Universal Life Insurance)原本是高净值人士专有的高端保险产品,近年来有普及化的趋势,保费从数百万元降至数十万元。咨询 新桥投资咨询 所谓万能寿险,是指包含保险保障功能并设立有保底收益投资账户的人寿保险。 保险公司会把投保人大部分的万能寿险保费投资在固定收益上,其投资时间较长,可能介于10年至50年,因此利率通常较稳定。保险公司通常会在保单生效的头几年保证一定的利率,譬如在首3年支付4%的利率,随后才会起伏。...

How much Life Insurance do I need in Singapore?

How much life insurance do I need in Singapore? This is a common question for most of people living in Singapore. The answer is simple but not easy. Usually, it depends on how much liability you have. For example, if you have a new born baby and need support your baby...

Reasons to Buy Whole life insurance

Can term life insurance totally replace whole life insurance? The answer is Not Really. Why need buy whole life insurance? The reasons that we need buy some whole life insurance are as below: Critical Illness Cover When you are getting older, Term life insurance gets...

Why buy life insurance?

You may think medical health insurance is enough for you and your family, while life insurance is an unnecessary expense. In particular,  if you don’t have kids? Think twice before you say “I know”, because we don’t know we don’t know.  You may...

What is the Cheapest Life Insurance in Singapore

What is the Cheapest Life Insurance in Singapore? The answer is Term Life Insurance. Most people are familiar with “whole” life insurance. This is the kind of insurance where you will get back a certain amount of money when it “matures” at the end of the insured...