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标题: 关于保险的一点想法
clneosg
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发表于 2007-6-7 17:57  资料 个人空间 短消息 
“iTerm”末期疾病不是重病保险。不保30严重疾病。买多一个重病保险咯,如果有能力的话。还有你要注意iterm的feature.iterm的终生残废赔偿是分5年。第一到4年,每年赔偿10%。第五年赔偿60%。其他的期限保险一次性赔偿。这说明便宜时有代价的。Look into the fine prints...
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青青小草
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发表于 2007-6-9 09:42  资料 个人空间 短消息 
昨天去买了iTerm。其实情况和我们在网上讨论的有些出入。
1。无论是新加坡公民、永久居民、学生准证、就业准证、工作准证、还是持有陪都准证的长期居留签证的人士,只要拥用新加坡政府给与得FIN 号码,就可以买保险,费用完全一样。(职总英康,其他保险公司不清楚)
2。 iTerm虽没有30 重大病,但可以为你组合,我就买的是新组合:每月总花费40。77,其中30 种大病,保额100000,费用26。60。死亡、残疾,末期疾病,保额100000,费用14,10,10 年的。因为接下来的10年是我孩子成长最关键的10年,万一我有大病或意外,孩子可拿到20 万的赔额,完成学业。一旦确认30 种大病,第一个100000 将在治疗时支付,保证日常的需求,不幸致残或离去,另100000万才支付。
3 我此前买了住院全部报销,大病门诊治疗全报的 医疗险,加上公司的福利---平时小病医疗费用全报,我想,基本可满足我的需求。
4 我在国内的3份带有投资、分红、养老的人寿保单,我将继续。
5。接下来我可能会考虑为孩子在新加坡购买一份具有投资、大病的综合保险,大概20 年,到他33岁后就不必还保费,但其红利和保险将伴其终身。
6 。万一你想中途退出 iTerm,没有任何追讨,自动随着你没缴保费结束。
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Robin
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发表于 2007-6-9 18:16  资料 主页 个人空间 短消息 
我也动心了.

你是在网上买的,还是通过经纪买的?




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clneosg
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发表于 2007-6-9 20:31  资料 个人空间 短消息 
便宜。consider CC + term with SGD$100k CC payout upon illness and continual coverage of SGD$100k death/TPDB even with CC payout at a rate of total of SGD$40.77 (Am I reading correctly, $40.77 is the feature stated above?).

Assuming Safra living policy & essential term of $100K iinclusive is still about $41 but did not include terminal illness for essential term. Good buy.

iTerm covers from 5yrs to 35yrs depending on the term that you select. However, it did not provide you the premiums for those who want to sign up to 30 yrs or 35yrs, you may need to get a quotation from them.

Safra essential term is a better bet if you are less than 34 yrs old (For safra members only) as it is only $1.50 per $10k coverage flat rate till age 65. So for a coverage of $300k, premiums will be $45 per month till age 65.

Also pls take note, it is always good to have some form of returns based insurance. Reason is that if suddenly you forgot to put pay for your term insurance and it lapse, you will have no cover and when you want to re-instate but your are no longer that healthy at that point of time, the underwriters may not want to underwrite you back into the term scheme and you are left with no protection. For a returns based insurance (Traditional wholelife, investment linked, etc) basic coverage will still proceed depending on insurance types some with premium holidays that also covers the riders. It depends on the individual policy features. These are good features because what if you do not have the money to pay for basic necessities, let alone the term premium at certain point in your life? You will have no protection when you need it the most. It is not easy to digest, but think of this scenario deeper and you may get a grasp of it. The above can happen and it did happen for many lives.

Compare Safra with iTERM, Safra insurance scheme of $1.50 per SA $10k is still cheaper than iTerm. But Safra can only be bought by ex NSF or NS personnel.
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青青小草
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发表于 2007-6-11 12:14  资料 个人空间 短消息 
我是亲自去英康的大楼买的
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Robin
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发表于 2007-6-11 13:14  资料 主页 个人空间 短消息 


QUOTE:
原帖由 青青小草 于 2007-6-11 12:14 发表
我是亲自去英康的大楼买的

DIY. 谢谢.




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liza
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发表于 2007-6-25 13:38  资料 文集 短消息 


QUOTE:
原帖由 Robin 于 2007-6-6 17:07 发表
哈, 哈, 没有几个人是象我们这样做研究, 比较的.  现在想来, 我的第一个保险真的是亏太多了.  (10万的保单加5万的严重疾病, 每年是2000啊 )

现在需要重组保险组合. 卖掉不好的. 买进好的.

很多东西都是相对而言的,相信世界上不存在绝对的好和坏... ...

相信以您当时您的理念以及经济情况,您是做了自己认为最好的选择;时过境迁,全盘否定先前的判断选择,是否... ...

不同时期不同境况,不断调整自己的步伐,很正常,只是 ... ...
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Robin
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发表于 2007-6-25 13:46  资料 主页 个人空间 短消息 
是的. 没有绝对的好和坏.  

由于当时的各种因素,也许在当时是个不错的决定, . 但是几年后发现并不是一个好的决策的时候. 这时候, 我们需要再次做个决定, 是继续还是停止. 都不是容易的啊.  不论如何, 我们都要为我们的决策承担后果.




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liza
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发表于 2007-6-26 10:43  资料 文集 短消息 
没有那么严重吧

随时调整步伐以适应心智的呼唤、环境的变化... ... 就好

更重要的,每个人的情况不同,无论是经济还是精力、经历、背景、心态、思考的角度等等都不同,不用照搬他人的生活模式,借鉴并选择适合自己的就好
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Robin
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发表于 2007-6-26 12:01  资料 主页 个人空间 短消息 
没有那么严重, 谢谢liza .




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liza
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发表于 2007-6-26 17:06  资料 文集 短消息 
入门网站入门资料,有时间大家不妨看看这些 咚咚

http://asp.lia.org.sg/LiaGuides.asp

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liza
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发表于 2007-6-26 17:10  资料 文集 短消息 
这里也不错滴

http://www.moneysense.gov.sg

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雨茜
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发表于 2007-6-27 10:51  资料 个人空间 短消息 


QUOTE:
原帖由 Robin 于 2007-6-6 17:07 发表
哈, 哈, 没有几个人是象我们这样做研究, 比较的.  现在想来, 我的第一个保险真的是亏太多了.  (10万的保单加5万的严重疾病, 每年是2000啊 )

现在需要重组保险组合. 卖掉不好的. 买进好的.

呵呵,如果能够早一点认识,你问我就好咯!
呵呵~
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雨茜
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发表于 2007-6-27 10:54  资料 个人空间 短消息 


QUOTE:
原帖由 liza 于 2007-6-26 17:06 发表
入门网站入门资料,有时间大家不妨看看这些 咚咚

http://asp.lia.org.sg/LiaGuides.asp


MAS, LIA都是直接管理保险公司的部门。研究他们,的确可以了解一些新加坡政府对于保险公司的要求和规定。
知道更多的政府政策和相关资料。

不过,具体到个人的情况适合什么样的保险,怎么样的组合好,还是要靠好的理财顾问。
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clneosg
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发表于 2007-7-24 14:34  资料 个人空间 短消息 
Annuity alternatives

Always weigh whether it is viable to buy annuities and do not put your entire nest eggs into annuities! There is recent reports over 2 weeks ago in the newspapers commenting on poor returns by annuities companies for those that had bought them 5 - 10 yrs back.

The Minnesota investor: Annuity alternatives

Annuities can sound like a good idea, but investors should measure a plan against sure returns available elsewhere.

Gene Walden

Last update: July 21, 2007 – 3:50 PM

If you have money to invest, there's an annuity out there with your name on it -- at least that's the message some advisers give their clients. But you need to weigh the pros and cons before you sign up for any of those long-term investment contracts.

Here was a question on one reader's mind: "I recently visited a financial adviser and he is recommending I move $92,000 of a stock-invested IRA to an equity index annuity. That amounts to about 33 percent of my retirement portfolio. He also suggests that I move all of my mother's $250,000 account from stocks into an annuity that guarantees at least 2.5 percent per year for the next 12 years. What do you think of that idea?"

I would be a little concerned about any financial adviser whose only recommendation is to buy annuities. From the adviser's perspective, it's an easy solution that would net him a hefty commission (usually 5 to 9 percent), but it's not necessarily a good solution for you and your mother. Annuities are fine as part of a diversified portfolio, but you might be better served to find an adviser who can help you and your mother build a diversified portfolio that balances income and growth components.

"Annuities do have some value under the right circumstances, but they shouldn't comprise more than about 10 to 20 percent of your portfolio," said John Soukup, president of Bloomington-based Superior Wealth Management. "A good adviser should be able to suggest two or three approaches to your financial situation. If his only answer is to buy annuities, you should turn and run."

I would also be a little skeptical of an annuity with a 2.5 percent annual guarantee. Why not put some of your mother's money in a Treasury Inflation Protected Security (TIPS), which pays about a 4.5 percent return, is backed by the federal government and increases in value along with the rate of inflation?

For your own account, I think it would be reasonable to put 10 to 15 percent of your money into an equity index annuity. Those annuities are loosely tied to the growth of the stock market, but offer protection against losses. If you do decide on an equity index annuity, try to find one that locks in gains each year so that when the market goes down, your annuity stays up. Also ask about caps. Most annuities put a cap on how much your account can move up in a good year--and that may vary from 5 to 12 percent (sometimes more). The higher the cap, the greater the potential for long-term returns.

You should also ask about penalties for early withdrawal. Some annuities allow you to withdraw 10 percent or more for each year you hold the annuity. Others have high penalties for early withdrawal.

And finally, ask your adviser to show you two or three options from different annuity companies so you can make a valid comparison of potential returns and penalties. If the adviser can't explain the options to your satisfaction, you should pass on the annuity.

Tapping retirement funds

Another reader asks: "I'm several years from retirement, but I need to use some of my retirement-fund money to cover my current expenses. What would be the best way for me to draw funds from my retirement account?"

By withdrawing money early from an IRA or 401(k) plan, you could face a 10 percent penalty, plus taxes. One creative solution would be to set up your own 401(k) plan, roll your retirement money from your other accounts into that plan, and loan money from that plan to yourself.

"That gives you the opportunity to borrow your own money and pay yourself back without penalties or taxes," Soukup said.

"You can borrow up to 50 percent of your account, not to exceed $50,000, and pay yourself back with interest over the next five years. Setting up your own 401(k) is pretty simple and inexpensive, but you will probably need the help of your accountant or investment adviser."

There are several other circumstances under which you can withdraw money from your IRA without paying the 10 percent penalty, including:

• Unemployed people can use IRA money to pay health insurance premiums.

• You can pay for medical care to the extent generally allowable as a medical expense deduction.

• You can use IRA money to cover some higher-education expenses for yourself, your spouse, your children or your grandchildren.

• You can begin withdrawing earlier than 59½ if you take periodic distributions of equal payments over your projected lifetime.

Where to sell your stocks?

Another reader asks: "My husband and I own stocks for which we hold the certificates. We do not buy or sell often. It seems like now all the brokers want all of the stocks in their hands and want to actively manage the stocks. They also want a fee based on the value of the stocks, which could amount to thousands of dollars each year for not doing very much. However, in our case, we just want a place to go to now and then to sell a stock or (rarely) buy one. Where can we go when we wish to do something with our portfolio?"

Most financial professionals would say it's worth the management fee to keep your stocks in a managed account with a professional adviser. On the other hand, many do-it-yourself investors have done quite well investing on their own and it sounds like you're comfortable handling your stocks on your own.

You might consider opening an account with a discount broker, such as TD Ameritrade, Fidelity, Charles Schwab, E-Trade or Scott Trade. They charge only a few dollars per trade and there is no management fee for holding your stocks.
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liza
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发表于 2007-7-28 19:03  资料 文集 短消息 
如果只是购买保 Accident Death & Dismemberment Benefit+Permanent Total Disability, 额度S$100,000, 如果你的职业不是高风险性的,相信还有能同 iTerm 相抗衡的产品的
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发表于 2007-7-31 00:03  资料 主页 个人空间 短消息 
说来听听.  能够比NTUC更便宜的应该是不多见的.




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xian0047
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发表于 2007-8-2 15:09  资料 个人空间 短消息 
一直想问个弱智的问题:

如果我不能确定在新加坡到底呆多久,那这个保险应该如何买呢?

比如你们说的住院,看病的保险,这些公司都有给员工购买的. 重大疾病或者死亡的保险,不知道当我已经回国后的情况还会保吗?我需要飞会新加坡来claim吗?一直没有搞清楚.
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liza
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发表于 2007-8-6 15:39  资料 文集 短消息 


QUOTE:
原帖由 Robin 于 2007-7-31 00:03 发表
说来听听.  能够比NTUC更便宜的应该是不多见的.

能相抗衡的产品,不单单是保费的便宜与否,应该是整体性价比吧 ... ...

此话题,估计没有多大意义了,因为单从保费的角度考虑,此类保险计划是相当的便宜了,既然已经购买了,没有必要换来换去,保险公司大同小异
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发表于 2007-8-6 15:59  资料 文集 短消息 


QUOTE:
原帖由 xian0047 于 2007-8-2 15:09 发表
一直想问个弱智的问题:

如果我不能确定在新加坡到底呆多久,那这个保险应该如何买呢?

比如你们说的住院,看病的保险,这些公司都有给员工购买的. 重大疾病或者死亡的保险,不知道当我已经回国后的情况还会保吗 ...

不用如此贬低自己

无论本地呆的时间是长是短,基本上医疗、意外的保险,还是应该考虑,一则此类保险的保费都不是很高,再则已有病症即便将来购买时,也不会保了,所以经济上不是很拮据的话,还是要尽早计划,免得届时想长期留下来时,买不进。

“重大疾病或者死亡的保险”, 此一般都是保world wide的,即便回国了,将相应的文件邮寄到新加坡就可以claim了,不一定非要本人飞回的
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