Comparing Returns of 45 Long Term Savings Insurance Plans (Chinese Article)
10Life Team
（假設受保人為35歲非吸煙男性、5年供款期、總保費10萬美元、第30個保單年度）
| 圖表1位置 | 保險產品 | 保證 回報比率 |
預期 回報比率 |
保證 身故賠償 |
| 進取區 | 萬通保險 | YF Life 富饒傳承儲蓄計劃3 |
115.0% | 530.7% | $115,000 |
| 平衡區 | 安盛 | AXA 安進儲蓄系列 II － 穩進 |
145.6% | 469.8% | $145,564 |
| 保守區 | 安達人壽 | Chubb 「智主人生」保障計劃 (100%人壽) |
178.6% | 347.5% | $361,801 |
| 一般區 | 安達人壽 | Chubb 安達百歲年年儲蓄計劃 |
102.4% | 309.5% | $105,000 |
註： 1. 假設受保人為35歲非吸煙男性；供款期5年，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. 保證回報比率 = 保證現金價值 / 已繳保費。 現金價值即第 30 個保單週年的保證退保發還金額。 3. 預期回報比率 = 預期現金價值 / 已繳保費。預期現金價值即根據保險公司在基本情景下預計的投資回報，於第 30 個保單週年的預期退保發還金額。 |
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宜留意分紅實現率長期表現
不過，即使分紅實現率數字表現亮麗，也不代表「冇得輸」。正如我們早前文章指出，大部分保險公司只披露首幾個保單年度的紅利實現率，但是預期紅利金額於首幾個保單年度通常非常之少，保險公司相對容易實現。
再者，如其他投資項目一樣，過去表現不代表將來回報，分紅實現率只可作參考之用。此外，消費者亦要留意紅利種類，以終期紅利為例，它只可於終止保單、保單到期等情況下提取，而且金額未必隨着保單年期逐年上升。
最後，如我們早前文章指出，購買儲蓄保險之前，宜先了解自己的風險取向和個人需要。透過產品比較，消費者可以挑選較高回報的產品。本文只以5年供款期的長期儲蓄保險作例子，如果大家選擇其他的供款期，回報可能是另一情況。如想比較更多儲蓄保險，歡迎利用10Life《產品解碼器》。
伸延閱讀： 〈【保險呃人？】拆解儲蓄保險3大伏位逐個數〉
註：
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 2022年3月4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： 2022年3月4日。
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