protect you and your family

Saturday, September 18, 2010

用投资连接保单（ILP）做孩子的教育计划

昨天见客户陈先生和他的太太，他们想给自己3岁的儿子做一份教育计划，传统的用来做教育计划的有3大类保单，1）交12年保费， 18后年拿钱;2)交12年保费，21年后拿钱；3）交12年保费，25年后拿钱。第一种保单主要是给女孩子出生后一岁以内购买保单，19岁上大学用。第二中保单主要是给男孩出生后一岁以内购买保单，22岁上大学用（男孩当兵），或女孩读研究生用。第三种保单是用来给男孩读研究生用。

鉴于陈先生的儿子已经3岁，可以买第一种保单读大学用或第二种保单读研究生用。多数客户只安排保单给孩子读大学用，因为还不知道孩子会不会读研究生呢。所以陈先生倾向于买第一种保单，也就是18年后拿钱的，那时候他的孩子21岁了。

陈先生很可惜自己没有早点安排这张保单，因为交同样的保费18年到期与21年到期的保单价值（到期拿回的钱）相差很多--因为复合利率的作用。

这种情况我建议陈先生用投资连接人寿保单（ILP）给他的孩子做教育计划。与定期保单相比这个保单有如下几点好处，

1）保障高，我给他的孩子放了10万的人寿、终身残疾和重大疾病的保障。

2）很灵活，随时可以增加保费，购买更多的基金单位，可以方便的更改保额，可以随时卖出基金单位，拿钱出来花，只要保单有现金价值，可以停交保费，保单不断。以陈先生的情况，如果是传统定期保单，必须在他的孩子上大学第一年保单到期，拿出全部的钱；投资连接保单可以在孩子上大学的时候每年拿一部分，剩下的继续赚取复合利率。

3）投资连接人寿保单（ILP）是一张保障到100岁的人寿保单，孩子读完大学，出来工作了，可以自己交保费，一直得到保障。

4）很重要的一点是，投资连接人寿保单可以自己选择回报高的基金，正如我前两期介绍的，有些基金的年平均回报超过15%，而且自己可以随时上网免费更换基金。

Friday, September 17, 2010

General insurance concept,总体保险的概念

This is a general insurance chart to show you which area need insurance for personal.
这是一个总体保险的图解，展示个人哪些方面需要保险。

Friday, September 10, 2010

投保意想不到的事

1. 哪些事应该被投保？

你应该投保那些意想不到的事，这些事可能发生也可能不会发生，但是如果一旦发生将会给自己和家人造成很大的财务方面的冲击。

2. 哪些是应该被投保的事例？

你应该投保因为意外或疾病而造成的早逝风险。新加坡成年人的死亡率（15岁到60岁之间死亡的风险）是男人8.7%，女人是4.7%（来自卫生部的网站）。

你还应该投保住院医疗费的保险。严重疾病的账单是难以估计的。

你还应该投保严重疾病或终身残疾而造成失去收入的风险。一旦你得了严重疾病或终身残疾，你的收入将会终止，并且还要当心日常生活费之外的医疗费或护理费。

如果你有驾车，你应该投保重大事故的风险。你不需要投保小的自己负担的起的修理费，这就是为什么在汽车保险中有一个首$500元的除外条款。

3. 哪些是你不需要投保的事例？

你不需要投保可能经常发生的事件，或不会造成重大财务冲击的事件。每个人每年都可能因为发烧冷热而看医生，每辆车每年都需要做几次检修，轮胎每3年或更短的时间更换一次。

这些事都不需要投保，而是用你的储蓄来支付，在绝大多数这类事件中财务冲击是很小的。

不需要为75岁以上的年龄的人购买人寿保险，接下来15年死亡的概率很高。

4. 怎样支付那些没有投保的事件。？

你应该用你的储蓄来支付，这叫“自保险”，因为财务冲击小或发生的概率高。

Wednesday, September 8, 2010

Insuring the unexpected

1. What are the events that should be insured?

You should insure the unexpected events, i.e. events that may or may not occur but if it occurs would cause a high financial impact.

2. What are examples of events that should be insured?

You should insure against premature death, i.e. death occurring at a young age, due to accident or unexpected illness, Adult Mortality (the risk of dying after the 15th birthday but before the 60th birthday) in Singapore IS 8.7% for men, 4.7% for women(from MOH WEBSITE http://www.moh.gov.sg/mohcorp/publicationsinfopapers.aspx?id=24478), and should be insured. You should insure the inpatient cost, the major illness bill is unexpected. You should insure the critical illness and permanent disability, because if you suffer from critical illness or permanent disability your income will stop, what’s worse you have to consider the additional medical cost or nursing cost on top of your normal every day expenses. You should also insure against a major car accident if you drive, You do not need to insure against small accidents, as the chance of its occurrence is higher and you can afford to pay for the cost of repairs. This is why it is all right to have a motor insurance policy that has an “excess” where you pay for the first $500 of repair cost – as it removes the small accidents.

3. What are examples of events that should not be insured?

You should not insure against events that is likely to occur frequently, or events that do not have a high financial impact. Most people have to see the doctor for minor ailments a few times each year. A motor car has to be serviced every year. The tires have to be changed every 3 years or earlier.

These types of events should not be insured. They should be paid out of personal savings. In most cases, the financial impacts of these events are small.

There is no need for an elderly person, above 75 years, to buy life insurance as the chance of death is likely to occur within the next 15 years, and the financial impact is small.

4. How do I pay for the events that are not insured?

You should pay them out of your personal savings. This is called “self-insurance”. As the financial impact is small and the frequency is high, you can set aside savings to meet these events.