How to choose the coverage period for term life insurance? (Sep 2021) (Chinese Article)

Estimated reading time 7 minutes

10Life Team

15 Sep 2021
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10Life Team

15 Sep 2021

Estimated reading time 7 minutes

純人壽保險保費低,人壽保障高,但正因為單價太低,對保險顧問來說可謂食之無味,所以未必向客戶傾力推薦,因而香港定期人壽保險的銷售遠不及終身人壽。然而,在人生某些階段,當大家肩負起家庭經濟的重擔,既要置業供樓,又要養妻活兒,人壽保障就額外重要,定期人壽便可這段時期為投保人的人壽保障「加碼」。究竟投保定期人壽保險時,如何選擇保障期,對保費又有何影響呢?

每年續保的定期人壽於投保早期保費較低

不少家庭經濟之柱,都考慮在子女大學畢業前,或是按揭期間,投保定期人壽,確保自己的壽命不會影響家人的生活質素。一般而言,如果客戶想自行於網上投保定期人壽,網上可供選擇的保障期通常是每10年續保、每5年續保、或每年續保。原則上,定期人壽保險的保費按年齡逐漸上升,尤其當人到中年(40歲後),年度升幅會越來越顯著,這與人壽風險成本掛鉤。

如果客戶選擇每10年續保,在這10年期間,就可繳付固定的保費,以拉勻計,此固定保費是先貴後平,言下之意,於投保早期保費會貴一點,到後期就平一點,拉出固定的保費。每5年續保的定價原理相似,不贅述了。

至於每年續保,於投保早期,其保費一般平過每10年、每5年續保的計劃,因為每年續保的保費只考慮未來一年的風險,但其保費會逐年調整。當大家期望於短期內提升人壽保障,例如,因新冠肺炎大流行擔心風險提高、配偶失業或子女海外升學期間開支突增等,可留意每年續保的計劃,應付相對短暫的風險。 

圖表1:比較定期人壽保險 於不同保障期之保費
假設35歲非吸煙男性,身故賠償1 為HK$1,000,000

定期人壽保險 
首年保費 投保10年總保費
每年
續保
每5年
續保
每10年
續保
每年
續保2
每5年
續保2
每10年
續保
Blue
WeCare定期人壽2
- $5923 $7203 - $9,1503 $8,8203
Bowtie
 Bowtie 人壽保
$4804 - - $8,3704 - -
富衛 | FWD
自主保定期保障計劃
- $4955 $5005 - $9,7205 $6,8005
滙豐保險 | HSBC Life
滙家保
- - $6876 - - $9,9606
眾安人壽 | ZA Insure
ZA 人壽保
$5207 $5847 $6967 $9,2807 $9,1007 $8,5307
註:
1. 身故賠償是指保證身故賠償,不包括非保證。
2. 對於每年續保或每5年續保的計劃,其10年總保價乃基於現時的保費表來預計,僅供參考。保險公司可能在客戶續保時再調整保費。
3. 此年保費已計算Blue - WeCare定期人壽2的首年保費八折優惠,需於blue網頁輸入優惠碼 「FT220」。受保險公司條款及細則約束。
4. 此年保費已計算Bowtie人壽保的3個月保費豁免優惠,需於Bowtie網頁輸入優惠碼 「BOWTIE10」。受保險公司條款及細則約束。
5. 此年保費已計算FWD自主保定期保障計劃的首年五折及第二年起七折優惠,需於FWD網頁輸入優惠碼 「MYT50TL」。受保險公司條款及細則約束。
6. 此年保費已計算滙豐保險的4個月月費優惠,需於滙豐保險網頁輸入優惠碼 「4MTHFR」。受保險公司條款及細則約束。
7 此年保費已計算ZA 人壽保的首年保費八折優惠,需於ZA Insure 網頁輸入優惠碼 「Life20」。受保險公司條款及細則約束。
8. 以上資料由10Life提供,僅供參考,並非銷售建議。產品資料更新至2021年9月15日。

宏觀因素影響定期人壽的保費走向

當客戶選擇每年續保時,就要面對保費每年調整的情況。從個人層面看,年紀越大,保費越高,因為又走近了人生旅程的終點。但從宏觀角度看,定期人壽保險的保費調整,受大環境影響,可加可減,例如,醫學進步令人整體壽命延長,人壽保險可能有減價空間,相反,若天災人禍頻繁、病毒變種越來越強,對人類生命造成嚴重威脅,人壽保險就可能要加價。

同時,客戶亦要留意,如果保險公司將該定期人壽保險下架,客戶便不能再續保,若轉投其他產品,就要重新核保。所以,若選擇較長的保障期,就可延緩產品下架的影響。當大家選擇定期人壽的保障期時,可因應個人需要選擇,如只需要短期的保障,可選擇每年續保的計劃;如需要較長期的保障,又擔心宏觀因素會導致人壽保險加價,則可考慮以每5年或每10年續保形式投保。

隨帶一提,定期人壽一般較少不保事項,不過,若客戶於投保後一年內自殺,則不會賠償。另外,如果大家有移民的打算,就需要向保險公司了解,定期人壽能否在移民當地繼續生效。下表比較了定期人壽於不同情況下身故是否受保﹕ 

圖表2:比較定期人壽保險的不保條款

定期人壽保險 受保人於以下情況身故
進行非法活動 移民後身故 自殺 恐怖主義行為 受保後因 HIV
及愛滋病身故
Blue
WeCare定期人壽2
受保 未有列明 保單生效日
1年後受保
受保 受保
Bowtie
 Bowtie 人壽保
受保 不保1
保單生效日
1年後受保
受保 受保
富衛 | FWD
自主保定期保障計劃
受保 未有列明 保單生效日
13個月後受保
受保 受保
滙豐保險 | HSBC Life
滙家保
受保 未有列明 保單生效日
1年後受保
受保 受保
眾安人壽 | ZA Insure
ZA 人壽保
受保 未有列明
保單生效日
1年後受保
受保 受保
註:
1. 若受保人擬永久或至少連續183日居留到香港境外,將終止保單。
2. 以上資料由10Life提供,僅供參考,並非銷售建議。產品資料更新至2021年9月15日。


10Life比較了多個不同保障期的定期人壽保險,詳情可瀏覽《產品解碼器》。

延伸閱讀:
  1. 〈 【賠定唔賠?】拆解人壽保險 爭議個案 關鍵細節大公開 〉
  2. 香港人均保險供款地上最強 保障依然唔夠?點解定期人壽保險 總被人置之不理?

註:以上資訊由10Life提供,僅供參考,並不是銷售建議。資料更新至2021年9月15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.

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
4004
611

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

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Arthur, Law Wing Kai

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10Life Financial Manager of Business Development

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FTLife Agency Manager

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Even, Shum Miu Chu

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恆泰 高級理財顧問

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Philip, Lee Hon Lun

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AIA Associate Director, Wealth Management and Protection

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