帮我看下这 Plan and Riders

foolboy

根本只是life的赔率罢了，当有事就可以拿RM1,000,000一定啦.
赞同这个。
LZ，你是要专投资的是吗？还是什么？

leey

其实我 lg 是有兴趣的 ， 因为他看到如他 有任何意外的话 １，０００，０００ 可保障我们 ，而没事的话 ， 钱又可拿回 。
但我对policy  的 not guaranteed 很可疑 。

foolboy

oic..可以问你吗？你lg买的是普通的 investment link 还是新的 investment link (ever series) ?
surrender value 没有guarantee的。不过通常会拿flat来做比较。
investment 赚的有跟你guarantee一定赚吗？

清风微笑

至少可以找人帮你看的比较仔细一点咯！！

leey

回复 23# foolboy


    还没买 ，它是写着 evergain - increasing cover
investment 赚的有跟你guarantee一定赚吗？
不明白 ，可以讲清楚一下吗 ？

leey

回复 24# 清风微笑


    就是怕买错 ， 才来请教各位大大们...

tgrine83

回复 25# leey


    这个是HLA evergain plan. 其实你的agent 说是看bull 因为这个plan有locked-in feature. 他说的guarantee因该是在maturity的时候。因为这个plan是investment-link endowment plan，只要你没有在maturity之前surrender你就可以保证以最高的locked-in unit price来计算回酬。我想因为这样他才说是看 bull.
Well, let me try explain in english, you see the return they use to project for bull figure is roughly 9-10% depend on the year you selected if 25years maturity its 10.3%. if 20years then its 9%. How many years do you pay for the premium? It could be converted to 6 or 10 years though. but return may be low. And I think the projected value is quite reasonable (my opinion) with the locked-in feature they have. It also means that when the price is locked at highest unit price then no matter what happen to the market your highest unit price is not affected eventhough at the maturity date the market went to all time low and you will still be guarantee at the highest unit price. I hope I explained it clear.

There is a brochure printed regarding this feature and its the selling point. your agent must have highlight this as this is a unique feature of this plan and it's currently not available in other company.

As under the guarantee it has 0 surrender value, because this is investment linked plan and bank negara will not allow guarantee to be printed in the sales illustration. this is my guess. hahaha but a lot of things has to be guarded right?

The above is my understanding of HLA product as I used to be HLA agent but am currently under a independent financial planning firm and we market few companies product. If you want high return there is no other product could give you similar return compare to evergain. hahaha

Btw, OAD stand for old age disablement. anymore question you can ask me and i try my best to answer. All, i can say you should tell consider this plan. may be you can ask your agent to explain in detail like how it works. They invested in CIMB greenfund and so far the fund has outperformed other index you could google it to check on the performance. Happy shopping!

kteng7739

回复 27# tgrine83

扣你分因为你用英文，还有随便打广告。


看你笑的这么开心。。

The above is my understanding of HLA product as I used to be HLA agent but am currently under a independent financial planning firm and we market few companies product. If you want high return there is no other product could give you similar return compare to evergain. hahaha


请你列出market 所有保险公司的同类型保单，来做比较， 以support 你的话，hla 是最好的

明天你没有列出，我删贴+扣分(既然你在 fa firm 做的，你就知道讲什么都要有数据）

AK-

回复  leey


    这个是HLA evergain plan. 其实你的agent 说是看bull 因为这个plan有locked-in featu ...
tgrine83 发表于 7-4-2011 09:56 PM

   你也不是新手了。。。怎么用英文发表啊。。。

kteng7739

回复 27# tgrine83


    看来又是一个 fa firm  做工， 然后吹氺不用本钱的了。。。。

tgrine83

回复 28# kteng7739


    因为我打华文太慢,所以用英文,而且SI都是用英文的， 方便解释啊
我没有随便大广告啊，我真的比较了世面上的用作savings的plan,我觉得evergain 比较好，我有做过比较是Traditional savings 和endowment savings. 因为investment product都会给比较高回酬啊，我做的比较是Allianz Income enhancer 6 pay 20years maturity, GE 24years pay 24 years maturity, HLA retirement builder 10pay 90years maturity and evergain 20y pay 20y maturity. 我知道whole life 和endowment 不可以做比较，但是至少我要给我的顾客有选择然后这几个plan比较符合他的budget. 当然世面上还是有很多plan可以做，但是有些是有minimum  entry premium 的所以并不符合budget. Evergain我是看中了locked-in price而作推介的，因为有些顾客可以接受风险有些接受比较小风险，所以就做了几个plan. 你觉得我没有解释清楚guarantee吗？在evergain的却是有terms,如果issuer CIMB default then CIMB 是不负责责的，你是指这一段吗？

kteng7739

回复 31# tgrine83


    中文看的懂吧。。。 我要的是数据， 不是你讲的这个好，那个好。。。 麻烦你list 出 全部你讲的保险 的保证irr? 还有你当maa保险公司 是死的？他的super fortune plan 呢？ tokyo marine, ing 的？还有星洲前两天不是洗saving plan吗？ 为什么不见有保险公司出来澄清？

我要的数据，不要废话，谢谢

tgrine83

回复 32# kteng7739

[tr] [/tr]

SAVINGS PLAN

file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/msohtmlclip1/01/clip_image002.jpg file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/msohtmlclip1/01/clip_image002.jpg

file:///C:/DOCUME%7E1/User/LOCALS%7E1/Temp/msohtmlclip1/01/clip_image002.jpg

Sex

F

Age

28

Smoker

Non-smoker

SUMMARY OF BENEFITS AT A GLANCE

Company

Income Enhancer (Allianz)

Great Multicash (Great Eastern)

Retirement Builder (HLA)

Evergain (HLA)

Savings (RM)

Yearly

Half-yearly

Quaterly

Monthly

Yearly

Half-yearly

Quaterly

Monthly

Yearly

Half-yearly

Quaterly

Monthly

Yearly

Half-yearly

Quaterly

Monthly

2,372.34

1,233.62

628.67

213.51

2,334.00

1,190.35

601.05

204.25

2,294.76

1,176.42

602.74

200.92

3,137.00

1,568.58

784.59

261.43

Maturity

20

24

Upon reach age 90

20

Payment (years)

6

24

10

20

Basic Sum Assured (BSA)

RM 6,000

RM 25,000

RM 10,000

RM 150,000

increase 5% every year from 15th policy year  onwards

N/A

follow SI

N/A

Basic Coverage

Death or TPD ( age 65)

Death or TPD (before age 65)

Death or TPD (age 65)

Death or TPD (age 65)

Waiver of Premium

Yes

Yes

Yes

Yes

Guaranteed Cash

Rider Sum Assured (RSA) 20,000

Nil

Payment

1-6th Policy year

4% of BSA

RM1,250 SB payable every 2 years

1-9th policy year 1% RSA

or Survivor Benefit (SB)

7-10th policy year

5% of BSA

Final year SB RM20,000

10-30th policy year 5% BSA+1% RSA

11th policy year onwards

6% of BSA

5% BSA thereafter

Maturity Benefit （Projected)

Scenario A (RM)

4.50%

28,821

7.0%

90,640

6.50%

418,231

9.87%

108,096

Scenario B (RM)

2.50%

17,502

5.0%

71,134

4.50%

145,835

5.91%

76,447

2.74%

59,278

这是我做的SI.我是用以上的SI做介绍的,我直接copy excel。如果你觉得不对可以给comment，我也想知道feedback。TQ 这样我也可以给我顾客更好的解释

kteng7739

回复 33# tgrine83


    我在重覆一次

请你列出market 所有保险公司的同类型保单，

tgrine83

回复 34# kteng7739


我的答案就是根据我所了解和所做的SI而给建议的所以我才说evergain return是最好的啊，这些就是我所做的比较而且我真的认为这些是market上有的。啊，我没看完你的回答，我们公司没有和MAA和Tokyo marine 合作，我有的只是用我可以做到SI来比较。我没有算IRR

kteng7739

回复 35# tgrine83


    你讲到一堆， Irr 没有算，就随便大炮出来。。。。 你的pce 是如何考的？ 你的公司没有叫你在没有资料，就随便写就是misleading 吗？

我问你一句。 你说的东西。。全部有没有数据support?


'The above is my understanding of HLA product as I used to be HLA agent but am currently under a independent financial planning firm and we market few companies product. If you want high return there is no other product could give you similar return compare to evergain. hahaha'

你在 没有数据，没有算irr, 没有看完全部保险公司的保单， 写了这句？ 如果我把你写的东西全部copy and send 去你公司还有bank negara 讲你在cari misleading people, 你说，后果是如何？


今天你没有放出全部资料，，， 我扣分。。

tgrine83

回复 36# kteng7739


ok,我会 去算IRR先，谢谢。不过你觉得现在market 上最好的是MAA fortune savings 和Tokyo marine吗？可以知道你说的Tokyo marine和ING是什么plan 吗？我刚去看过MAA的fortune savings，不过还没看details，不过如果你有SI可以share 吗？我真的没有算IRR，我有的数据就是从SI拿的。

kteng7739

前两天星洲才洗saving plan, 你现在就问我市面上什么saving plan 好? 我的答案就是像你这种agent 最好， 什么都不要懂，随便吹氺就可以了。。。


我要你为这句话负责


‘'The above is my understanding of HLA product as I used to be HLA agent but am currently under a independent financial planning firm and we market few companies product. If you want high return there is no other product could give you similar return compare to evergain. hahaha'

kteng7739

回复 37# tgrine83


    请问你是不是在 fa firm 做工的？ 可以卖不同公司的保险？

Ftz

回复 1# leey


   Bear = 熊市：估計行情不好
   Flat = 平市：沒有什麼起伏或下跌
   Bull = 牛市：行情很好
意思就是說.. 你的Agent保證市道年年後很 Bull~