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投保指数型万能寿险前需考虑的要点

定期审视保单计划，并确保您有能力持续缴付保费，这一点至关重要。

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Genevieve Cua

Genevieve Cua

Published Wed, Feb 25, 2026 · 06:00 AM
    • Capital for Life 首席执行官 Carlton Crabbe 表示，指数型万能人寿保险的大多数问题并非源于费用，而是源于不切实际的期望，或客户未能持续、准时地为保单供款。
    • Capital for Life 首席执行官 Carlton Crabbe 表示，指数型万能人寿保险的大多数问题并非源于费用，而是源于不切实际的期望，或客户未能持续、准时地为保单供款。 图片来源：CAPITAL FOR LIFE

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    如果您正在考虑购买指数型万能人寿保险（Indexed Universal Life，简称IUL）计划，以下是一些需要考虑的事项。由于这类保单的价值和所需投入的资金巨大，寻求专业建议并定期审视计划至关重要。如果您选择分期缴费，确保您有能力持续支付保费以防止保单失效也同样重要。

    明确您的目标

    Havend 首席执行官 Eddy Cheong 表示，万能寿险（UL）和指数型万能寿险（IUL）有助于在投保人身故后建立一笔遗产。“赔付是以现金形式进行的，不像房产和珠宝等某些资产，现金更易于分配，”他说道。

    他补充说，这就是为什么这类保单常被用于在继承人之间均衡分配遗产。由于身故赔偿金可以预先确定，这些保单也有助于为遗产提供稳定性。

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