Life Insurance Case Study with info

个人资产转移

增长遗产,保持流动性,降低投资组合风险

案例介绍(一)

以永明金融为例,男0岁,10年供款计画,每年供款2万

  • 15岁时保单现金值与总共款持平,进入盈利期;
  • 20岁时保单现金值37万,30岁实现金值​​70万,40岁时现金值130万,50 岁实现金值​​231万;
  • 待到加拿大法定退休年龄65岁时,现金值帐户已达397万;
  • 若按加拿大平均年龄85岁计算,85岁时可留给后代一笔1340万的巨额遗产。

1)挑战
Richard担心他的投资组合缺乏多样化,因为他只有一种资产类别。他也开始考虑退休和遗产安排。
2)解决方案
永明共利累积寿险和个人资产转移
3)结果
通过把资产从非注册固定收入投资组合转入永明共利累积分红终身寿险保单,Richard实现了搭的目标。
Year Total yearly premium Guaranteed cash value Paid-up additional insurance cash value Total cash value Guaranteed insurance amount Paid-up additional insurance Total death benefit
1 $16,170.00 $4,140 $4,230 $8,370 $500,000 $20,273 $520,273
2 $16,170.00 $11,560 $9,147 $20,707 $500,000 $42,277 $542,277
3 $16,170.00 $20,795 $14,806 $35,601 $500,000 $66,009 $566,009
4 $16,170.00 $32,460 $21,264 $53,724 $500,000 $91,444 $591,444
5 $16,170.00 $43,920 $28,573 $72,493 $500,000 $118,535 $618,535
6 $16,170.00 $54,145 $36,817 $90,962 $500,000 $177,907 $677,907
7 $16,170.00 $64,875 $46,062 $110,937 $500,000 $177,907 $677,907
8 $16,170.00 $76,125 $55,598 $131,723 $500,000 $207,239 $707,239
9 $16,170.00 $87,910 $65,518 $153,428 $500,000 $235,720 $735,720
10 $16,170.00 $100,255 $75,972 $176,227 $500,000 $263,865 $763,865
11 $16,170.00 $113,190 $86,189 $199,397 $500,000 $289,031 $789,031
12 $0.00 $126,730 $80,330 $207,060 $500,000 $260,154 $760,154
13 $0.00 $140,880 $73,775 $214,655 $500,000 $230,778 $730,778
14 $0.00 $155,640 $67,185 $222,825 $500,000 $203,043 $703,043
15 $0.00 $171,030 $60,647 $231,677 $500,000 $177,118 $677,118
16 $0.00 $185,625 $54,405 $240,030 $500,000 $153,573 $653,573
17 $0.00 $200,710 $48,384 $249,094 $500,000 $132,048 $632,048
18 $0.00 $216,310 $42,593 $258,903 $500,000 $112,421 $612,421
19 $0.00 $232,465 $37,038 $269,503 $500,000 $94,573 $594,573
20 $0.00 $249,210 $31,742 $280,952 $500,000 $78,439 $578,439
21 $0.00 $256,555 $41,117 $297,672 $500,000 $98,371 $598,371
22 $0.00 $263,965 $51,223 $315,188 $500,000 $118,690 $618,690
23 $0.00 $271,405 $62,120 $333,525 $500,000 $139,464 $639,464
24 $0.00 $278,845 $73,857 $352,702 $500,000 $160,724 $660,724
25 $0.00 $286,265 $86,471 $372,736 $500,000 $182,471 $682,471
26 $0.00 $293,675 $99,975 $393,650 $500,000 $204,662 $704,662
27 $0.00 $301,075 $114,384 $415,459 $500,000 $227,269 $727,269
28 $0.00 $308,470 $129,720 $438,190 $500,000 $250,270 $750,270
29 $0.00 $315,860 $145,996 $461,856 $500,000 $273,642 $773,642
30 $0.00 $323,225 $163,244 $486,469 $500,000 $297,408 $797,408
35 $0.00 $358,840 $264,820 $623,660 $500,000 $422,428 $922,428
40 $0.00 $392,895 $390,521 $783,416 $500,000 $555,601 $1,055,601
45 $0.00 $423,585 $541,462 $965,047 $500,000 $698,814 $1,198,814
50 $0.00 $441,200 $720,152 $1,161,352 $500,000 $852,624 $1,352,624
55 $0.00 $457,530 $907,891 $1,365,421 $500,000 $1,006,810 $1,506,810
60 $0.00 $500,000 $1,157,973 $1,657,973 $500,000 $1,157,973 $1,657,973

注:

    1) 一次性繳清只需$179,000
    2) 任意一年如果急需用錢,現金值的90%可立即拿到,保證表單的靈活性
    3) 可延長供款年限最多至20年
    4) 該計畫亦可轉化為退休計畫,65歲時可每年領取240,000免稅退休金直至84歲,共領480萬
    5) 以上數值是根據永明金融2013年第四度公佈的7.15分紅率計算得出

目录

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