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有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?


大宅

國民生產總值:2143


發表於 04-5-10 14:40 |顯示全部帖子

有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?

這個plan好嗎?
e.g.每月付HK$3,580,「功」五年,十年後一筆過取HK$296,653, 其中$230,000 是保證金額, $66,653是預期可得金額。他們是base on 6% return 來計算 (they said that their insurance department was set up some 7 years ago and in the last 7 years, their minimum return is 6%).

Do you think the plan is good?
:-) :-) :-)


別墅

國民生產總值:622


發表於 04-5-10 17:01 |顯示全部帖子

Re: 有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?

homama,
我用你提供的資料計算該預期可得金額只有"復"息4.09%年利率,而不是他們所說的6%.
咁請問有沒有人險成份呢?

homama 寫道:
這個plan好嗎?
e.g.每月付HK$3,580,「功」五年,十年後一筆過取HK$296,653, 其中$230,000 是保證金額, $66,653是預期可得金額。他們是base on 6% return 來計算 (they said that their insurance department was set up some 7 years ago and in the last 7 years, their minimum return is 6%).

Do you think the plan is good?
[/img]


大宅

國民生產總值:2143


發表於 04-5-10 17:31 |顯示全部帖子

Re: 有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?

lsl,

是有保險成份的!

Is it worthwhile to buy it?
:-) :-) :-)


別墅

國民生產總值:622


發表於 04-5-10 17:36 |顯示全部帖子

Re: 有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?

Hi homama,
因為我是保險從業員,所以我不便給恆x任何comment!
不過這類儲蓄保險相比只存款在銀行沒有利息是相當attactive 的.如你可年供的話我公司做緊的"復"利率比恆x要高.而投保金額以你所提供的數字為例有us$38,000左右.
我只可提你預期可得金額沒有6%return!
can you tell me 保險成份有幾多呢?

homama 寫道:
lsl,

是有保險成份的!

Is it worthwhile to buy it?

[/img]


伯爵府

國民生產總值:15059


發表於 04-5-10 23:06 |顯示全部帖子

Re: 有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?

homama 寫道:
這個plan好嗎?
e.g.每月付HK$3,580,「功」五年,十年後一筆過取HK$296,653, 其中$230,000 是保證金額, $66,653是預期可得金額。他們是base on 6% return 來計算 (they said that their insurance department was set up some 7 years ago and in the last 7 years, their minimum return is 6%).

Do you think the plan is good?


6%只係紅利利率, 即係話如果佢派左紅利, 而你又唔提取的話, 紅利部份會比6厘息你, 並唔代表整個計劃複式回報有6%, 唔好被誤導. 另外保證只得$230000, 複式回報不足一厘, 似乎偏低.


男爵府

國民生產總值:6535


發表於 04-5-13 13:46 |顯示全部帖子

Re: 有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?

hi,
there is one previous message asking this plan before. You can search and find the discussion.

I think this Hang Seng plan is similar to plan in other companies. Prudential is offering 4.9% compound interest for one lump sum payment, but no guarantee amount, but can be renewed. (sold in Standard Chartered)

Manulife life 's plan is more complicated, but seems attractive. But don't have time to see in it.


別墅

國民生產總值:622


發表於 04-5-15 12:08 |顯示全部帖子

Re: 有冇人幫仔女買過恆X銀行「5年智選」人壽係險計劃?

Hi ALAL,

Could you mind I am the one to send you some information about the Pur Save Plus plan of PrudentiaX, please PM me your email address.

Lam

ALAL 寫道:
hi,
there is one previous message asking this plan before. You can search and find the discussion.

I think this Hang Seng plan is similar to plan in other companies. Prudential is offering 4.9% compound interest for one lump sum payment, but no guarantee amount, but can be renewed. (sold in Standard Chartered)

Manulife life 's plan is more complicated, but seems attractive. But don't have time to see in it.
[/img]


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