学会看保单

candry

As of Date	:	03/10/2011
Policy Information
				Contract Despatch Date	:	NA
Writing Agent	:			Insured	:
Servicing Agent	:			Insured NRIC	:
Status	:	Inforce - Premium Paying		Insured DOB	:
Policy Date	:	11/23/1999		Issue Age	:
Bill To Date	:	03/23/2011		Address	:
Pay Up Date	:	11/23/2072		Owner	:
Maturity Date	:	11/23/2072
Mode	:	MONTHLY

Last Anniversary	:	11/23/2010		Next Anniversary	:	11/23/2011
Paid-to-Date	:	03/23/2011
Policy Quotation
Reinstatement Cost	:			Accumulated Dividend	:	S$.00
Recommended Loan Amount	:	S$4,065.24		Interest on Dividend	:	S$.00
Existing Loan	:			Terminal Dividend	:	S$.00
Accrued Loan Interest	:			Prepaid Premium	:	S$.00
Loan Pay Off	:			FPDF - 1	:	0
Gross Policy Cash Val	:	S$3,430.33		Interest	:	S$0.00
Vested RB	:	S$3,470.06		FPDF - 2(Coupons Deposit)	:	0
RB - Cash Value	:	S$1,086.60		Interest	:	S$0.00
Net Surrender Value	:	S$4,516.93		FPDF - 3	:	0
Total Reduced Paid-Up #	:	S$14,850.86		Interest	:	S$0.00
Total ETI	:	S$33,470.10		FPDF - 4	:	0
Pure Endowment	:	S$.00		Interest	:	S$0.00
Expiry Date	:	02/25/2033
Premium Breakdown
Plan Code Plan Name Status Coverage Amount Premium WLRB1RB PRIME LIFE (AB)@ Inforce - Premium Paying S$30,000.00 S$ 42.00 APWP-FR ADVANCE PAYMENT AND WAIVER OF PREMIUM (FREE) Inforce - Premium Paying S$30,000.00 S$ .00 30T05AA 30 YEAR DTR (INT-5%)@ Inforce - Premium Paying S$132,515.00 S$ 15.30 APWP-PUR ADVANCE PAYMENT AND WAIVER OF PREMIUM (PURCHASABLE) Inforce - Premium Paying S$132,515.00 S$ 6.80
Modal Premiums
Annually	:	S$748.80		Semi Annually	:	S$380.90
Quarterly	:	S$202.90		Monthly	:	S$64.10

这份保单里，保费一共64.10每月，但里面包括$15.3的30 YEAR DTR 和$6.8的

ADVANCE PAYMENT AND WAIVER OF PREMIUM (PURCHASABLE)，这些都是纯粹的保障，是没有回报。能带来回报的是第一个：$42/mth.

policy inforce at year 1999, she total paid 11yrs: $42*12month*11yr=$5544. net surrender value is :4516.93, i think around 15yrs will be breakeven, how can you use 43yrs?!

Must learn how to read your policy, some of item has no cash value, e.g: hospital plan, accident plan，riders, all thouse plans will never get breakeven, unless there is a claim.

candry

这样1也不对啊，non-guaranteed 虽然不保证，但保险公司每年都会declare,而且一旦declare, 就变成guarateedle ,有时declare的比guaranteed的 还要多。

你也是在假设43年breakeven, 如果你有真的保单，就去看看现在的surrender value 是多少，我不相信43年才打平。当然不能把你rider都计算在里面。