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指数型万能寿险保单备受富裕及大众富裕客户青睐

亚太地区财富创造的增长推动了对此类大额保单的需求

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Genevieve Cua

Genevieve Cua

Published Wed, Feb 25, 2026 · 06:00 AM
    • 像指数型万能寿险这样的大额保单是遗产规划的工具，因为其现金赔付可以实现向继承人公平分配遗产，这与房地产或企业等资产不同。
    • 像指数型万能寿险这样的大额保单是遗产规划的工具，因为其现金赔付可以实现向继承人公平分配遗产，这与房地产或企业等资产不同。 图片来源：PIXABAY

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    【新加坡】万能寿险（UL）保单长期以来一直是高净值（HNW）人士保险的中流砥柱，但一种提供市场敞口和下行保护的变体产品，似乎更受富裕客户的青睐。

    一些保险公司报告称，指数型万能寿险（IUL）保单的投保率不断上升，且保额也更大。 Manulife 最近为一名客户签发了一张价值3亿美元的保单，这很可能是新加坡乃至整个区域迄今为止最大的保单。

    在过去的12个月里，该公司签发了25份个人保单，每份价值均超过5000万美元。在2024年至2025年期间，这类保单的销售额增长了40%。

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