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原作者: candry |10-3-2011 21:40

摘要: As of Date:03/10/2011 Policy InformationContract Despatch Date:NAWriting Agent:Insured:Servicing Agent:Insured NRIC:Status:Inforce - Premium PayingInsured DOB:Policy Date:11/23/1999Issue Age:Bill To D ...

【配图:老鼠爱小米】


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.

本文内容由 candry 提供

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