【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 |