Stable Guarantee vs. Higher Growth - Whole Life Savings Insurance Returns Top 3 Rankings (July 2020)

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08 Jul 2020
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08 Jul 2020

Estimated reading time 4 minutes

終身儲蓄保險旨在財富增值,透過複息效應及紅利滾存,讓時間釀出金錢,為投保人實現長遠的理財目標。保險顧問可能告訴您,(相對於供款)儲蓄保險回報可以翻幾番,事情是否這樣神奇?儲蓄保險的總回報,由保證及非保證回報組成,另外,大家亦要留意時間價值 (Time value of money),本文將概括現時市面上終身儲蓄保險產品的保證及預期回報的三甲產品,供各位比較!

當衡量儲蓄保險的回報時,大家要注意什麼?假設投放相同資金,得到相同的總回報,產品A要30年滾存、產品B要20年滾存,僅花20年的產品B顯然較為優勝。所以,當衡量產品回報時,10Life會重視產品的整個現金流,計算年化的內部回報率 (IRR, Internal rate of return)。

無限QE利息下跌 保證回報受壓

保證回報是保險公司必須發放給投保人的金額,不受經濟環境、分紅政策所影響。如果產品的保證回報相對地高,保險公司就要進行較保守的投資,確保它能履行保單合約的承諾,但是該產品的預期總回報通常不會很高,爆發力有限。話雖如此,保證就是保證,保險公司不可以走數。

今年,新型冠狀病毒全球大流行,觸發環球經濟下滑,聯儲局推無限QE。自3月起,美國10期國債息率大幅下跌,截至7月7日,收息率只有0.67%。由於美國國債息率是保守投資的回報指標,若前者屢創新低,儲蓄保險的保證回報亦飽受壓力,預料保險公司可能會調低產品的保證回報。不過,保單持有人的保證回報在保單簽署時已鎖定的,即使保險公司將來調低該產品的保證回報,前者亦不受影響。

依照產品的保證內部回報率 (Guaranteed IRR) 來排序,以下是不同供款期的首3位產品 (見註1) ﹕



上圖顯示,友邦「易達終身保」及中國太平「太平優樂終身保」的多個不同供款期的保證回報表現均打入三甲位置;後者若選5年供款,9年保證回本,30年每年保證內部回報率可達2.7%。此回報率遠高於現時美國國債息率,對保險公司壓力實在不輕。

30年預期總回報率高達6.1%

保證回報雖然穩陣,但數字上未必令您有太大的驚喜。所以,保險顧問一般會用儲蓄保險的總回報﹙即預期回報﹚向客戶銷售。預期回報的組成包括紅利、花紅等保證及非保證回報。而保險公司能否實現預期回報,受多個因素影響,如投資表現、分紅政策、理賠、退保、費用開支等。

依照產品的預期內部回報率 (Expected IRR) 來排序,以下是不同供款期的首3位產品 (見註1, 2) ﹕



上圖所見,富通「享富 · 傳家寶」壽險計劃(尊尚版)及「盛世 · 傳家寶」壽險計劃 2
(優越版)分別於4-8年及15-30年供款期的預期回報最高,前者30年預期IRR高達6.1%。至於9-12年供款期,安進儲蓄系列 II-躍進的30年預期IRR亦有5.8%。

由於文章篇幅有限,我們未能列出所有的產品排名,事實上,我們已分析了現市場上超過200個儲蓄人壽保險產品,大家可於「產品解碼器」內,了解各大保險公司及其產品的回報狀況。



如有任何疑問,大家可於網站內「查詢」或「匿名問問題」,即時得到持牌顧問的意見。

備註﹕
1. 假設受保人為35歲男性,非吸煙人士﹔繳付保費年期分別為 1-3年、4-8年、9-12年、或15-30年﹔期間,準時年供保費,總保費共10萬美元﹔於保單有效期內,沒有提取任何保單貸款,亦沒有中途領取任何的現金價值及/或利息(如有)。

2. 我們以保單建議書中「現時」的預計回報來計算該產品之預期內在回報率,並不是悲觀及樂觀情景下的預計回報。 

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