Savings Insurance: Pros and Cons (Chinese Article)

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10Life Team

17 Aug 2021
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10Life Team

17 Aug 2021

Estimated reading time 4 minutes

儲蓄保險不時被網民形容為「搵笨」、「呃人」、「冇用」,很大程度上是保險經紀或代理過份展示產品美好一面,而未有清楚解釋產品風險,例如產品需要長時間供款、「預期回報」並不等於「保證回報」等,令到投保人出現嚴重的期望落差,甚至提早斷供而出現虧損。

事實上,儲蓄保險算是低風險的理財產品,但在保險中介人未有恰當提示風險下,實際上仍是伏位處處。為了讓市民在投保前提升對保險產品認知,做個精明消費者,10Life今天總括儲蓄產品最常見的3大陷阱:

  • 流動性較低:若投保人因突發事情而需提早退保套現,所取回的現金價值可能低於所繳付的保費。故此,保單持有人宜準備應急錢旁身,不應將所有存款押注於保險產品。
  • 紅利實現率問題:儲蓄保險的非保證成份,受保險公司的投資表現、分紅政策及經濟環境等因素影響,最終實際金額未必能夠完全兌現。雖然根據保監局指引16,由2017年起,保險公司需公布分紅儲蓄保險過去至少5年的非保證紅利實現率(如有)。不過,指引實施至今,市場上不少產品所累積披露的紅利實現率年期依然很短,未必能反映長期的分紅表現。
  • 部分產品需要長期供款:部分終身儲蓄保險的供款期,可能橫跨數年甚至二十年或以上,所以投保人需要有持續供款能力。如投保人不幸失業或患病,而需於供款期內停交保費,一般只能選擇啟動保單貸款、保費假期或紅利繳付保費等方案。

如想比較儲蓄保險產品,可瀏覽10Life網站的《產品解碼器》:

儲蓄保險瑕不掩瑜 儲錢又提供保證回報

縱然儲蓄保險有上述注意事項,但對於想追求穩定回報,又不懂投資,甚至沒有儲蓄習慣的消費者來說,儲蓄保險無疑能夠滿足其理財需要:

  • 提供保證回報:與大眾經常接觸的金融產品(如投票或基金)不同,儲蓄保險提供保證回報,部份儲蓄保險保證內部回報率(IRR,可理解為年度化回報)更逾2-3厘,遠勝銀行定期。除此以外,產品更有非保證回報,提高潛在報酬。某些長年期的產品,其預期回報更達6%或以上。
  • 產品定位多元 :儲蓄保險主要因應保單年期分為短期及終身兩種。短期儲蓄保險著重保證回報,而終身儲蓄保險則提供則保證和預期回報。由於保單年期可長至終身,不少人將終身儲蓄人壽保險用於長線儲蓄,為將來退休或子女讀書作好準備。
  • 養成儲蓄習慣:數年前就有調查指,每4個90後便有1個月光族(註1)。部分儲蓄保險需定時供款,投保人可藉此努力實踐理財規劃,減少過度消費,培養良好財政紀律。
  • 專業團隊管理:投資股票、債券,已至管理投資組合,均需要專門知識,並非人人擅長。投保儲蓄保險,您的儲蓄交由專業投資團隊管理,讓您輕鬆賺取回報,無需理會每日市況。

坊間銷售人員有時太着重產品回報,令消費者未能徹底了解產品的限制,因而使投保人批評保險產品。事實上,個人需要及財務規劃因人而異,儲蓄保險未必能滿足所有投資目標,因此投保前宜先了解產品特性和風險,方可選擇適合自己的保險產品。歡迎大家透過10Life《保險解碼器》,比較儲蓄保險產品:


伸延閱讀:

註:

  1. 4個90後 1個「月光族」〉, HKET網站。
  2. 以上資訊由10Life提供,僅供參考,並非銷售建議。資訊更新至2021年8月6日。  

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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.

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Philip, Lee Hon Lun

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4006
612

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1853
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
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309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
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315

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
1116
249

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