Can Savings Insurance provide both Guaranteed Returns and Flexibility?(Updated Aug 2021)(Chinese Article)

Estimated reading time 6 minutes

10Life Team

02 Aug 2021
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10Life Team

02 Aug 2021

Estimated reading time 6 minutes

新型冠狀病毒(新冠肺炎Covid-19)為全球經濟帶來極大不確定性,聯儲局實施無限量化寬鬆。美國聯儲局主席鮑威爾最近表示,相當長一段時間內政策會保持寬鬆。在低息大環境下,銀行定期存款難有驚喜,除非是新資金存款,否則利率就更低。股票及基金儘管交投暢旺,但過去表現又不等於將來回報,而且價格可升可跌。以股民熱愛的科技股為例,恆生科技指數由2月開始反覆向下,於7月底更曾一度下跌超過44%,考驗投資者風險承受能力。對於穩健派投資者而言,市場上還有什麼低風險又保證回報穩健的工具呢?此時,大家不妨留意一下保險公司的短期儲蓄保險。

比較短期儲蓄保險

短期儲蓄保險主攻保證回報,而保單年期約3至5年,稍長於銀行定存;但投保人可以於幾年內,鎖定一個穩定的保證回報率,對於收息一族,仍具有一定的吸引力。10Life緊貼香港市場上的短期儲蓄保險產品,它們來自Blue、中銀人壽( BOC Life)、中國太平 (China Taiping)、恒生保險 (Hang Seng Insurance)、立橋人壽(Well Link Life)及萬通保險(YF Life)。以下是產品的回報表現﹕

圖表1:比較短期儲蓄保險產品 (2021年8月)

保險產品 供款期 保單期 最低
總供款額
(美金)
5年保證
內部回報率
(IRR)
總供款$20,000
5年現金價值1
Blue
WeSave 高息儲蓄保E1
(限量發售)
1年
5年 $10,0002 3.50% $23,7602
Well Link Life 立橋人壽
喜盈於「息」特級儲蓄保障計劃
1年
8年
$2,500 3.18%3 $23,389
Blue
WeSave 高息儲蓄保E1
1年
5年
$4,000 3.10% $23,300
Well Link Life 立橋人壽
喜盈於「息」特級儲蓄保障計劃
3年
8年
$2,500 3.05%3 $22,564
China Taiping 中國太平
愛.快蓄
3年
5年
$12,500 2.79% $22,337
BOC Life 中銀人壽
目標三年網上儲蓄保險計劃
1年
3年
$5,000 2.34% $21,434
Blue
WeSave定息儲蓄保 S3
1年
5年
$4,000 2.31% $22,418
Hang Seng Insurance 恒生保險
五年儲蓄人壽保障計劃
2年
5年
$1,800 2.30% $22,151
YF Life 萬通保險
保證回報儲蓄計劃
1年
5年
$10,000 2.30% $22,408
註:
1. 假設總供款USD20,000,產品期滿時的保證現金價值,以接近之整數表達。
2. Blue WeSave 高息儲蓄保E1 (限量發售) 只提供定額保費$10,000美元,每名合資格申請人只可購買兩次,最多總供款$20,000。
3. 立橋人壽喜盈於「息」特級儲蓄保障計劃的保單期為8年,以上計算假設受保人於第五個保單年度完結時退保的現金價值。若受保人持有保單至期滿,期滿保證內部回報率可再提升,預繳版本可達3.33%,3年供款版本則是3.28%。
4. 以上產品的保單貨幣為美金。
5. 以上資料更新至 2021年8月2日。

詳情可瀏覽10Life網站的《產品解碼器》:


短期儲蓄保險的回報穩定又保證

短期儲蓄保險的供款模式為一次過預繳、或1年至3年供款期,而保單期多是3至5年,期滿時,保險公司會繳付保證現金。10Life以整個現金流計算產品的年化保證內部回報率(IRR)。以上產品(保單貨幣為美金)期滿時的保證IRR起碼有2%。

隨著無限QE,息率每況愈下,5年保證IRR高於3%的短期儲蓄保險產品已經逐一下架,可謂買少見少,現時只餘下Blue 及立橋人壽的產品,其中以Blue WeSave 高息儲蓄保E1(限量發售)回報最高,期滿時的保證IRR高達3.5% (需輸入優惠碼:E110LIFED3P5,推廣期截至今年8月31日),而普通版本的Blue WeSave 高息儲蓄保E1則為3.1%。另外,立橋人壽儲蓄計劃預繳保費版本(即一筆過付款),於第5年退保仍有3.18%保證IRR,但其實該產品的保單期為8年,期滿IRR則達3.33%。

投保短期儲蓄 既可搵人亦可上網

短期儲蓄保險賣點是保證回報,對保險公司而言,利潤很低,所以向來不是大品牌保險公司及顧問力推的產品,所以市場上短期儲蓄保險產品選擇不多,限量供應,甚至只有熟客才買到。加上環球局勢不明朗,美國QE持續,保險公司可能隨時將產品下架,再推出的短期儲蓄保險,其保證回報率亦難定。

鑑於新冠肺炎,社交隔離漸成新常態。其實,本文提及的部分短期儲蓄保險產品,容許客戶自己網上投保,由申請到繳款均在線上辦妥。當然,對於傳統保險公司的短期儲蓄保險,大家仍要找代理的保險經紀或顧問。 詳情可瀏覽10Life網站的《產品解碼器》,比較短期儲蓄保險產品。

註:
1.以上資訊由10Life提供,更新至2021年8月2日,僅供參考,並不是銷售建議。   

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.

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黃維立

AXA Unit Manager

4.7
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Arthur, Law Wing Kai

羅永楷

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5
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4.8
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