我想問下保險~

萬用壽險是一種比較新的保險類型，同樣擁有人壽保障及現金價值，但最大的好處是更有彈性及透明度更高（這是與終身壽險最大分別的地方）；投保人可增加或減少每年之保費（甚至一年不支付保費，但有條款限制），亦可改變投資比率（並不如終身壽險，投保人必須繳交固定保費而投資部份比率不能改變）；或增減死亡賠償額；因此，萬用壽險更能迎合希望資金可更靈活調動之投保人仕的需要。此外，萬用壽險亦比一般人壽保險有更高的透明度，萬用壽險會向購買者披露此項導致徵收附加保費的開支及其他收費，及投資收益的資料。

The smart way is to compare the aia plan with other insurance company. If you don't mind giving me your age, sex.. I can send you a quotation for you to compare. My email is [email protected] thank you

美國萬通 - 主力旗艦產品係, 萬用壽險, 不花不假
百幾二佰都有交易, 視乎需要~
[email protected]

如果你想買萬用壽險, 買AIA的財富萬用保

基本保額5萬美金, 假設你係20多歲, 維持10年供300蚊/月絕對冇問題, 保証你10年內唔斷單

收費方面有: 投資處理費, 保費, 保單費, 保險費, 行政費, 供10年後, 部份收費會減低, 詳情要問返你agent拎proposal黎睇, 相對起其他投資+人壽plan, 財富萬用保的收費好合理, 保費靈活, 而且唔收買賣差價同基金轉換費, 係想儲錢而budget唔多的年青人的心水之選

萬用壽險 is just like savings a/c + insurance coverage.
The interest rate around 4% to 5%. You can deposit and withdraw at any time.
At the same time the beneficiary will receive the a/c balance plus the face amt when the insured is passed away.
But the defects of this kind of plan is you cannot withdraw much at the beginning and there is high withdrawal charges as well as insurance charges.

Before you make your decision to buy or not, ask yourself :
1. Is the interest rate attractive ?
2. Do you need insurance coverage ?
3. Do you need to withdraw in a very short period say 2 or 3 years ?
If the answer is not, I suggest you to buy the Savings Insurance or Mutual fund.
[email protected]