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。
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