Is it worth cashing in your life insurance policy in a crisis? (Chinese Article)

Estimated reading time 5 minutes
03 May 2022
現金周轉?向保單借錢可行嗎?
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03 May 2022

Estimated reading time 5 minutes

近年疫情令不少港人面對生活困難,不少市民都要勒緊褲頭。為了解決資金周轉問題,有些保單持有人或希望暫停繳交保費,或者從儲蓄保險中「拎錢」,甚至是借保單貸款,究竟這些方法是否可行?執行時又有甚麼要注意?

從儲蓄保險提取紅利


若大家想從儲蓄保險「拎錢」,這牽涉到在投保期間保單內累積了多少現金價值及紅利。先說提取紅利,當大家投保時,保險顧問應該曾介紹過預期紅利(例如周年紅利),但實際上,保單內有多少紅利要視乎滾存時間及供款期。

舉例說,陳先生於5年多前投保長期儲蓄保險,需供款18年,月供698美元,至今已繳付保費46,812美元,而積存紅利就有1,118美元。一般而言,提取紅利不會影響保單的保證現金價值及人壽保障,但滾存效應會減低。

從儲蓄保險提取現金價值


既然紅利未必多,從自己的保單提取現金價值又是否可行?按上述陳先生例子,其保單內可提取的現金價值為8,705美元,連同積存紅利1,118美元,若此時退保合共可提取9,823美元。

但是,相對於已繳付保費46,812美元,陳先生便要損失79%已繳保費。值得留意的是,如果客戶同時投保儲蓄保險連附加契約,後者所涉及的保障(可能是醫療、人壽、意外)都會在儲蓄保險退保時一併終止。

保單貸款要付利息5.5%至10%


另一個考慮的應急方案是保單貸款。一般而言,在最初供款期完成後,客戶可向保險公司申請保單貸款,藉此提取保單現金價值。有別於退保,透過保單貸款,該儲蓄保險及附加契約(如有)的保障可以繼續。

保單貸款最高借款額通常是保單累積現金價值的80%至90%,視乎不同產品而釐定。當然,保單貸款亦要繳付利息,一般為年利率為5.5%至10%。

另外,有些保單持有人想透過暫停保單供款,以紓解財政壓力。其實,對於部份儲蓄保險,若客戶自行停繳保費,可能會自動啟動保單貸款,因此要承擔貸款利息;也有些儲蓄保險,停供保費可導致保單終止,所以作出此決定前要衡量利弊。

保險公司的儲蓄保險 保單貸款利率 (每年)
AIA 友邦 7% (1977年以後生效之美元、港元保單)
AXA 安盛 8%
BOC Life 中銀人壽 7.5%至10%
China Life 中國人壽 7%
FT Life富通保險 8%
FWD富衛人壽 6%
HSBC Life滙豐人壽 7%(2018年12月1日前之保單);5.5%(2018年12月1日或之後)
Manulife 宏利 10%
Prudential 保誠 8%
Sun Life 永明金融 8%
註:保單貸款利率資料更新至2022年4月28日;以保險公司公佈為準。

「借定唔借?還得到先好借」


若選擇保單貸款,大家固然要支付貸款利息,保險公司會從剩餘的現金價值中扣除。此外,如果保單仍處於供款期,客戶在貸款期間仍要繳交保費,若客戶不交保費,剩餘的現金價值會再被扣減,變相借更多錢。但當保單內剩餘的現金價值及紅利,少於未償還的欠款,該保單亦可能被終止。

再引用陳先生例子,若果他透過保單貸款借6,000美元,令現金價值跌至2,705美元。有關貸款年利率為8%,即每月利息為40美元,基於他需月供保費698美元,如果他同時停交保費,該儲蓄保險保單的現金價值亦只可「捱」多4個月,若不還款或再交保費,該保單便會終止。所以在進行借錢決定時,必先緊記「借定唔借?還得到先好借」。

儲蓄保險宜注意流動性風險


最後提醒大家,大多數終生儲蓄保險都是長線的,客戶透過持之以恆的儲蓄,保險公司發揮滾存效應,長遠地為客戶累積財富。但是,一般儲蓄保險的資金流動性並不高,尤其在保單早期,就如上述陳先生的情況,18年供款期的保單但只付了5年多保費,其現金價值有限(相對於已繳保費)。如果保單已經供款完畢,現金價值可望高於已繳保費。

所以,保險顧問在銷售時,應向客戶進行財務需要分析(Financial Need Analysis),確保他能夠負擔供款期內的保費,並應該確保客戶了解流動性風險。

疫情下不少市民的收入大減,但若要動用保單貸款或退保,就要與保險顧問了解清楚。如想得到第二意見,大家可透過10Life「匿名問問題」,即時得到多個持牌顧問的回覆。

註:本文最後更新日期:2022年4月28日


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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
3933
606

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.9
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1845
308

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1341
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

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Tony, Yeung Chun Fung

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FWD Life Wealth Planner

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FTLife Wealth Management Director

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312

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1113
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.7
1399
208

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