7 ILAS Plans Compared in 12 Different Scenarios (Chinese Article)
10Life Team
投連險 | 安盛盛名 II 整付投資保險計劃 |
永明 迎雋投資壽險計劃 |
保誠 雋賦投資計劃 |
宏利投資計劃 | 萬通 環球投資整付計劃 |
富通 盈晉之選 |
友邦 卓達智悅 |
|
TFCD百分比 | 1 | 2 | 3 | 7 | 6 | 5 | 4 | |
有否提供影子基金 | ✗ | ✓ | ✗ | ✓ | ✗ | ✗ | ✗ | |
最低身故保障 | 保費105% | 保單價值105% | 保單價值105% | 保單價值105% | 保單價值105% | 保單價值105% | 保單價值105% | |
保單年度 | 假設回報率 | 預期保單價值排名 | ||||||
第10年 | 0% | 1 | 2 | 4 | 3 | 6 | 5 | 7 |
3% | 1 | 2 | 4 | 2 | 6 | 5 | 7 | |
6% | 1 | 3 | 4 | 2 | 5 | 6 | 7 | |
9% | 1 | 3 | 5 | 2 | 4 | 7 | 6 | |
第20年 | 0% | 1 | 3 | 2 | 6 | 7 | 4 | 5 |
3% | 1 | 2 | 3 | 4 | 7 | 6 | 5 | |
6% | 1 | 2 | 3 | 4 | 5 | 7 | 6 | |
9% | 1 | 2 | 4 | 3 | 5 | 7 | 6 | |
第30年 | 0% | 3 | 2 | 1 | 7 | 6 | 4 | 5 |
3% | 2 | 1 | 3 | 4 | 7 | 6 | 5 | |
6% | 2 | 1 | 3 | 4 | 5 | 7 | 6 | |
9% | 2 | 1 | 4 | 3 | 5 | 7 | 6 | |
備註: 1.假設投保人為40歲男士,一筆過繳付100萬港元。 2.以「TFCD百分比」為例,1代表最低,7代表最高;以「預期保單價值」為例,1代表最高,7代表最低。 3.綠色代表收費低,回報蠶食力弱;紅色代表收費高,回報蠶食力強;產品左至右排序依據投連險整體排名而定。 4.是次產品比較不會納入證監會網站內「產品資料概要」(KFS)以外其他特別推廣因素。 5.詳細數據見〈附錄一〉。 |
- 投連險不同年期下,預期回報表現浮動
- TFCD百分比與實際費用蠶食力,關連度未必高
- 影子基金代表收費高?未能看到這個結論
投連險 | 安盛盛名 II 整付投資保險計劃 |
永明 迎雋投資壽險計劃 |
保誠 雋賦投資計劃 |
宏利投資計劃 | 萬通 環球投資整付計劃 |
富通 盈晉之選 |
友邦 卓達智悅 |
|
TFCD百分比 | 15.2% | 16.1% | 17.2% | 27.5% | 25.6% | 24.6% | 24.0% | |
有否提供影子基金 | ✗ | ✓ | ✗ | ✓ | ✗ | ✗ | ✗ | |
最低身故保障 | 保費105% | 保單價值105% | 保單價值105% | 保單價值105% | 保單價值105% | 保單價值105% | 保單價值105% | |
保單年度 | 假設回報率 | 預期保單價值(萬港元) | ||||||
第10年 | 0% | 90.7 | 88.5 | 88 | 88.1 | 85.5 | 86.3 | 85.1 |
3% | 122 | 119.5 | 118 | 119.5 | 115.6 | 116 | 115.1 | |
6% | 162.5 | 159.9 | 157 | 160.4 | 154.9 | 154.5 | 154.1 | |
9% | 214.7 | 212.1 | 207.2 | 213.3 | 207.3 | 204.1 | 204.5 | |
第20年 | 0% | 87.1 | 84.9 | 86.2 | 79.6 | 79.1 | 80.3 | 79.7 |
3% | 158.2 | 155.7 | 154.2 | 148.1 | 143.7 | 144.9 | 145.1 | |
6% | 280.6 | 278.7 | 271.5 | 268.6 | 262.6 | 257 | 259.1 | |
9% | 489.6 | 489 | 471.1 | 476.8 | 465.4 | 448.7 | 454.5 | |
第30年 | 0% | 80.7 | 81.4 | 84 | 71.7 | 72.8 | 74.8 | 74.6 |
3% | 203.7 | 204 | 200.7 | 184.7 | 179.9 | 181.1 | 183.5 | |
6% | 480.8 | 489 | 468 | 453.4 | 443.5 | 427.7 | 437 | |
9% | 1107.9 | 1134.5 | 1067.4 | 1073 | 1039 | 986.2 | 1012.4 | |
備註: 1.假設投保人為40歲男士,一筆過繳付100萬港元。 2.是次產品比較不會納入證監會網站內「產品資料概要」(KFS)以外其他特別推廣因素。 |
1. 本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視爲銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料爲準。
2. 以上保費資料更新至 2021年11月15日,並未包括保險業監管局收取的保費徵費。
3. 本文最後更新日期: 2021年11月15日。
Disclaimer
10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.
Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information.
If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com .
Have an insurance question? Just ask!
- Ask a question anytime, anywhere
- Get response from multiple licensed advisors
- Simply login with Email
Further Readings
