#科普文#新加坡保险#什么是投资相连保单(investment-linked policy)？当涉及财务计划时，投资相连保单（ILP）是一个有争议的主题。许多批评者认为投资和保险应当分开，因为它们是用于不同目的的单独产品。然而，ILP继续在购买者中受到欢迎，并已成为任何保险公司产品中的主力。
1.保险和投资结合
虽然ILP将保险和投资要素结合在一起，但每种产品的两种成分所占比例不同。一些产品主要专注于保险，提供高保额。而其他一些则专注于财富积累和投资，保障很小，保障的选择也很少。
2,高回报
ILP的关键卖点是其产生潜在高回报的能力。它可以用作产生潜在的被动收入来实现其未来投资目标。例如，在职父母可以购买投资期限为20年的ILP，作为提供子女教育的一种方式。他可以在ILP上提款，以资助孩子的大学学费。
3, 允许自由进行基金转换
ILP允许您根据财务目标更改ILP子基金的投资组合。
4, 保费假期
LP还提供保费假期———如果您需要现金来处理更紧急的事情，则可以不交保费一段时间，在此休息期间，该保单将继续出售ILP子基金的单位，以维持ILP的保障部分。请注意，没有保费会影响您的保单价值，因为在保费假期期间不会投资新的保费。
5,较为灵活
在需要增加或减少保障时，ILP可提供灵活性。如果您处于人生中的重要里程碑（例如结婚或生孩子），则责任与责任会一起增长。您可以选择增加保额，以便为亲人提供更好的保护。
6, 自由平衡投资与保险配比
另一方面，您可以选择在所选的ILP子基金中持有更多基金单位来减少保险范围。使用ILP，您也可以增加保险范围，而不必切换到新的保单。但这主要适用于具有更强保护成分的ILP，而不是专注于财富积累的ILP。
7, 忠诚奖金
ILP的另一个好处是发放欢迎或忠诚奖金。奖金每隔一段时间发布一次，意在提高ILP的价值，加速投资的回报速率。
之后会和大家详细介绍这类型的产品，以帮助您实现财务目标。敬请期待～
[安盛保险王丹妮 (3-7 17:35, Long ago)]
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个人不建议投资连接险混合产品（投资加保险）只会大幅增大保险公司的成本和margin，最终个人买单。个人需要的是保险，买个最便宜的term就好了 [本文发送自华新iOS APP] [刘菜园 (3-8 8:48, Long ago)] [ 传统版 | sForum ][登录后回复]2楼
这个产品就是耍流氓各种费用去除后，投资部分赚钱的可能性不太。 [本文发送自华新手机Wap版] [yayayayayaya (3-8 21:57, Long ago)] [ 传统版 | sForum ][登录后回复]3楼
每个好处后面对应的坑最好也讲讲这样客户才能更客观的进行选择 [本文发送自华新iOS APP] [月无痕 (3-8 22:33, Long ago)] [ 传统版 | sForum ][登录后回复]4楼
(引用 月无痕:每个好处后面对应的坑最好也讲讲这样客户才能更客观的进行选择)对于ILP 不买才是正解其他选择都是扯淡[只是肚子饿 (3-8 22:39, Long ago)] [ 传统版 | sForum ][登录后回复]5楼
ILP主要适合哪些人群最好说下 [本文发送自华新iOS APP] [Dabao111 (3-8 22:52, Long ago)] [ 传统版 | sForum ][登录后回复]6楼
(引用 Dabao111:ILP主要适合哪些人群最好说下)本来想说没啥人适合ILP不过想想万事不绝对下面人群还是适合的:
1. 韭菜
2. 保险中介之友, 不为别的就为了帮朋友一把
附赠一个科普文:
https://dollarsandsense.sg/the-ugly-truths-behind-investment-linked-policies/
[xinyi238011 (3-8 23:04, Long ago)]
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(引用 yayayayayaya:这个产品就是耍流氓各种费用去除后，投资部分赚钱的可能性不太。)楼主1.没弄懂这个产品；
2.懂，但还是要推。
无论哪种情况，我都不会从楼主处买保险。
[本文发送自华新手机Wap版]
[yayayayayaya (3-8 23:30, Long ago)]
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(引用 xinyi238011:本来想说没啥人适合ILP不过想想万事不绝对下面人群还是适合的: 1. 韭菜 2. 保险中介之友, 不为别的就为了帮朋友一把 附赠一个科普文: h...)瞎说什么大实话感觉在几年前闻ILP色变的年代，到现在，还有推ILP，就想知道这些年来它变异了没，underwriter有什么新的产品构架的改变，有的很多ILP衍生出来产品，但是其实差别不大，缺陷还是很明显，所以提出这个问题，这个产品到底适合谁？一直以来想不到它的受众群体 [本文发送自华新iOS APP] [Dabao111 (3-9 0:15, Long ago)] [ 传统版 | sForum ][登录后回复]9楼
(引用 只是肚子饿:对于ILP 不买才是正解其他选择都是扯淡)顶这楼，真理 [本文发送自华新手机Wap版] [yaoyao8 (3-9 9:19, Long ago)] [ 传统版 | sForum ][登录后回复]10楼
(引用 yayayayayaya:楼主1.没弄懂这个产品； 2.懂，但还是要推。 无论哪种情况，我都不会从楼主处买保险。)我觉着楼主低估了华新儿们这里买保险的很多比她这个卖保险的更专业一点 [本文发送自华新手机Wap版] [yaoyao8 (3-9 9:22, Long ago)] [ 传统版 | sForum ][登录后回复]11楼
看到楼上各位的回复我就放心多了，
一个产品保险公司没有啥liability
风险全靠客户承担的保险产品就不是个好产品，
到2020年，ILP依然换汤不换药，
我希望的保底承诺依然没有出现在各大公司的ILP里
唯一不变的是ILP依然是人寿大病保险里面佣金最高的，没有之一。[x4 (3-9 10:32, Long ago)]
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我觉得有必要回复大家一下关于投资连接性保单很多人对于之前的投资连接性保单有很大的误解，首先声明，不是所有的投资连接性保单的mortality charge都很高，我们公司有纯投资型的投资连接性保单。费用无非就是2%左右的账户管理费用，保单管理费用。筒子们说的各种费用是什么呢？为什么高呢？还有筒子说买个最便宜的TERM就好了，那我们应该坐下来谈谈，我知道那种投资加保障的ILP到后面的mortality charge高，所以个客户们推荐的都是纯投资型的，但是为了科普，我还是要告诉大家ILP的类型，不知道为什么有筒子会直接拿TERM来比。
第二点，很多人说投资连接性产品的佣金比例是最高的，其实不然，反而，相对于储蓄保险，重疾险人寿险，它低很多很多很多。
第三点，投资连接性保单给到客户一个可以购买AI Fund的机会。以及初始红利，忠实红利等。有助于抵御一部分的市场风险。
第四点，当然不是所有人适合，因为这是一个以基金为主的产品，不是所有人的风险态度都适合，而且是只适合有中长期投资理财计划的客户。
第五点，ILP本来就不是储蓄计划一类的，不可能有guaranteed return，所以客户要清楚的知道。追求保证利益还是去做储蓄保险吧
第六点，我很理解，因为前几年很多公司把ILP玩坏了，所以大家义愤填膺，有点情绪。可是楼主写这个是本着科普文的原则，立足于新的ILP。还是一句话，如果一个人不了解，或者跟不上时代，那么他就没有资格评论。我可以尊重各位的看法和选择。但是我绝不认同。[安盛保险王丹妮 (3-13 20:12, Long ago)]
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(引用 xinyi238011:本来想说没啥人适合ILP不过想想万事不绝对下面人群还是适合的: 1. 韭菜 2. 保险中介之友, 不为别的就为了帮朋友一把 附赠一个科普文: h...)这个文章是2015年的。。。。。。。醉了[安盛保险王丹妮 (3-13 20:14, Long ago)] [ 传统版 | sForum ][登录后回复]14楼
大家可以读一下这个海峡时报的文章，因为我不能发链接，把它粘贴在这里了Why investment-linked insurance policies should be given a chance？
They offer unique benefits such as welcome bonus or loyalty bonus and the flexibility to structure your portfolio
Investment-linked policies (ILPs) are a controversial topic when it comes to financial planning. Many of its detractors believe investment and insurance should be kept separate, for they are individual products serving very different purposes.
Yet, ILPs continue to be popular among buyers and have become a mainstay of any insurer’s suite of products.
The controversy lies in the way ILPs are structured. On the surface, ILPs are designed to give you an investment product with insurance components, offering the “best of both worlds” benefits to policyholders. Some ILPs provide very little insurance coverage, with death benefit as the only coverage. As such, these ILPs are focused mainly on investment, with very little insurance charges.
This may not sit well with some investors, who prefer to keep their investments separate from insurance plans.
Like any investment or financial product, ILPs have their positives and negatives. That said, let’s delve into the pros and cons of getting an ILP.
THE CASE AGAINST ILPS
ILP is an insurance product that invests your money in ILP sub-funds while providing insurance coverage.
There is a range of ILP sub-funds to choose from, catering to different investment objectives, risk profiles and time horizons. Some of the units in these ILP sub-funds are then sold to service the insurance portion of the ILP.
And as you age, your insurance charges go up. If your ILP sub-funds do not perform well enough to cover the cost of insurance, you may need to top up the premium portion of your policy or reduce the insurance coverage portion of your ILP; if not, the policy will lapse.
Like any other financial investment product, an ILP carries investment risk, which does not provide guaranteed returns. That means the value of your investments will fluctuate according to market conditions, and you may incur losses if you choose to surrender your policy ahead of maturity.
If you have a conservative risk appetite, it is wiser to choose a traditional life insurance policy that offers some guaranteed cash values, over an ILP.
Unlike a typical insurance plan or direct investment, an ILP comprises ILP sub-funds that are managed by professional fund managers and this incurs a fund management charge.
THE CASE FOR ILPS
While ILPs combine both insurance and investment elements, each product comes with varying proportions of both components. Some products focus mainly on insurance and come with more insurance coverage, providing a high sum assured; while others focus on wealth accumulation and investment, with very little insurance coverage and few options to adjust the coverage.
A key selling point of ILPs is its ability to generate potential substantial returns. It could be used as a tool to generate potential passive income for one’s future investment goals. For example, a working parent may purchase an ILP with a 20-year investment period as a way to provide for his child’s education. He can make withdrawals on the ILP to fund his child’s university fees.
An ILP allows you to make changes to your portfolio of ILP sub-funds in line with your financial goals. Bear in mind that some ILPs charge a fee when you apply to switch ILP sub-funds, while others offer a limited number of switching for free.
ILPs also offer premium holidays — if you need cash for more urgent matters, you can take some time off from paying the monthly premium, without the entire policy lapsing. During this break, the policy will continue selling units from the ILP sub-funds to maintain the ILP’s insurance component. Note that the absence of premiums will impact your policy value, as no new premiums are being invested during a premium holiday.
ILPs offer flexibility when it comes to adjusting your insurance coverage. If you are at important milestones in your life, such as marriage or having a baby, your responsibilities grow together with your liabilities. You have the choice to increase your sum assured for better protection for your loved ones.
On the other hand, you can reduce your insurance coverage by choosing to hold more units in your chosen ILP sub-funds. With an ILP, you can also increase your insurance coverage without having to switch to a new policy. But this applies mostly to ILPs with a stronger protection component, not ILPs that focus on wealth accumulation.
An additional benefit of ILPs is the issuance of welcome or loyalty bonuses. The bonuses are issued at periodic intervals and are meant to boost the value of the ILP, and contributing to higher partial withdrawals should you choose to make them.[安盛保险王丹妮 (3-15 0:30, Long ago)]
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目测就是韭菜连坐计划 [本文发送自华新iOS APP] [功夫熊猫 (3-15 1:29, Long ago)] [ 传统版 | sForum ][登录后回复]16楼
诚意问一下楼主这次股市熔断后，那些买了ILP 还能拿回多少钱？
[三好 (3-15 5:47, Long ago)]
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(引用 三好:诚意问一下楼主这次股市熔断后，那些买了ILP 还能拿回多少钱？ ...)对不起，你的保险计划已经是负资产请你在限定日期之前补足亏空不分，否则将面临法律后果。 [本文发送自华新iOS APP] [巴蜀到南洋 (3-15 8:24, Long ago)] [ 传统版 | sForum ][登录后回复]18楼
ILP近年的确有了些变化这两年的趋势是ILP分成2种，一种是侧重保障的，这种不适合投资赚钱用，适合用于纯保障，所投入到钱最终折算在保障上。
另一种是纯投资，没有保险成分，这种的佣金比人寿储蓄要低很多。买入的同样是带保险公司字头的基金。
实际上保险公司还有一种纯投资，可以买市场上绝大部分基金，因佣金比例可以降为0，类似FUNDSUPERMART.极少有经纪推荐而已。[bigmice (3-15 10:11, Long ago)]
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(引用 安盛保险王丹妮:我觉得有必要回复大家一下关于投资连接性保单很多人对于之前的投资连接性保单有很大的误解，首先声明，不是所有的投资连接性保单的mortal...)和保险经纪买理财产品就和普通人病了找兽医看病是一样的道理
金融产品是需要专业知识进行判断的不是一般的保险经纪玩得转的
换句话说保险经纪玩得转金融也不会沦落到卖保险了
[只是肚子饿 (3-15 11:04, Long ago)]
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