保险储蓄计划，每个月RM100，利息高达37.5%

本帖最后由 sk.tan 于 2013-9-30 05:28 PM 编辑


本帖最后由 sk.tan 于 2013-9-30 05:23 PM 编辑


大家好，我是PRUDENTIAL financial planner


每个月RM100，每两年拿一次guarantee bonusRM900，这RM900块可以拿出来用，如果不拿继续存起来的话，会而外给多5%的利息哦·

这个储蓄户口还有附加两个保障
1.如果受保人不幸得了36种疾病的其中一种，保费将免存，但是每两年的利息RM900照拿

2.万一受保人不幸发生意外死亡或双残，会把保单里有的cash value和~而外给你RM15000的安家费





在人生的旅程中，我们都为自己的生命规定了不同的里程碑；无论是成家立业，迎接第一个宝宝规划子女的教育前途，还是购买更大，更舒适的房子，你的梦想和目标，都需要一定的财务实力撑腰才可能实现。其实，你需要的是一份周全顾及及您切身需要的保单，一份既能在遭受意外时为您挚爱的家人提供足够的保障，又可以在平时定期让您用现金逐步落实人生里程碑的全备保单。



                                                         
个人 名称  :  sk,tan
office地址      : city plaza no.21 jalan tebrau,80300 jb johor
服务性质        :prudential  儲蓄保险，投资连结保险，医药卡
联络号码        : 011-28620168
电邮(选填)     : sktan621@hotmail.com.my

本帖最后由 iamguy 于 2013-10-3 04:34 PM 编辑

每年利息高达37.5%有保证吗？
有Prudential的黑白证明吗？
如果有的话，我想换公司，当您的下线。

本帖最后由 sk.tan 于 2013-10-3 11:19 PM 编辑


有啊，肯定是白纸黑字保证，我们每个星期二晚上都有晚会，我们联系一下，我带你去看看

想买保险 可以考虑你的(^_^)

想要了解的话，我们约个时间出来面谈吧，我的电话01128620168

要持续投资多久？
37.5%如何算？
36种疾病最高保额是多少？

三十年，还有这不是投资，是储蓄.



一个月存RM100，两年一共存了RM2400,那RM900的话是不是37.5%而且是保证 的，存三十年的话一共就会存了RM36000   拿十五次RM900的保证红利=RM13500,



在这份保单36种疾病是没有赔保额，但是.如果受保人不幸得了36种疾病的其中一种，保费将免存，但是每两年的利息RM900照拿

补充一点，满期不只是拿RM36000,公司还会附加这些年来的投资红利

本帖最后由 iamguy 于 2013-11-4 07:07 PM 编辑


如果我每两年的RM900块都不提出来.  请问公司有给黑白guarantee, 30年后能拿回RM36,000加上每年18.75%(37.5%除2)的复利吗?  

还有请问这个保单是不是叫PRUcash max ??

How PRUcash max limited pay works:
Mr. Lim, non-smoker, age 45 on his next birthday, hopes to continue growing his assets. In addition, he would also like access to cash.
Mr. Lim needs to set aside approximately $1,0699 a month for the next 5 years. After the 2nd policy anniversary, he’ll start to receive a guaranteed Yearly CashBack1 of $2,000 (i.e. 5% of Face Value9).

If Mr Lim chooses to accumulate the Yearly CashBack1, he can potentially receive up to $88,4934 at maturity.
http://www.prudential.com.sg/corp/prudential_en_sg/solutions/save/PRUcash_max_limited_pay.html


Footnotes:
1        Yearly CashBack starts after the 2nd policy anniversary.
2        Face value is a notional value used to determine the Reversionary Bonuses (non-guaranteed), the Maturity Benefit and the Death Benefit. It is not the sum assured of the policy.
3        Bonuses are not guaranteed and will vary according to the future experience of the participating fund.
4        For the accumulation of CashBack, we pay a non-guaranteed interest of 3% p.a. This interest rate may vary and any changes will be made known to you.
5        We will pay the higher of 105% of the total premiums paid (excluding premiums for supplementary benefits, if any) as at the time of death, or 101% of the surrender value (excluding CashBack and interest, if any) at the time of death, less any outstanding loans.
6        Subject to terms and conditions, Max Protection Multiplier pays out in the event of Death, Accidental Death or Total and Permanent Disability.
7        Upon diagnosis of early or intermediate stage medical condition, the future premiums will be waived for 5 years or 10 years respectively, or the remaining premium payment term, whichever is shorter. The maximum premium waiver period under the Early Stage Crisis Waiver Benefit is 10 years, after which the benefit terminates and premium payment for the covered benefits will resume.
8        Future premiums are waived up to age 85 or until the end of the premium payment term, whichever is earlier.
9        Premium quoted is on an annual basis for a non-smoking male, age 45 next birthday, with an annual premium of $12,826 for 5 years and a Face Value of $40,000.
10        The illustrated values use bonus rates assuming a projected investment rate of 4.75% p.a. As bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.

不是 就PRU CASH
你那个是新加坡的是吗？？