被OCBC的美妹说得心动，承诺前五年每一年投进10K，后五年不投，第十一年拿63K！但一想起被AIA骗的痛苦记忆，咬牙谢绝了美妹的卖力选传。问问各位，有买的吗？
A 10-year or 15-year endowment plan that helps accumulate your wealth with just your commitment for the first 5 years, while
Benefits
– providing protection for unforseen circumstances for the whole policy term.
– After the 5th policy anniversary, you will receive an annual survival benefit equivalent to your annual premium and these – survival benefits can be used to pay for subsequent premiums*
– Payment of sum assured in the event of death.
– In case of total and permanent disability, your disrupted income can be supplemented by the insurance payout.
– Grow your money with attractive maturity returns.
Notes
*This excludes optional rider premiums and extra premiums due to health or occupational reasons
Important Information
MaxSave Enhanced is underwritten by The Overseas Assurance Corporation Limited, a wholly-owned subsidiary of Great Eastern Holdings Limited and a member of the OCBC Group, and is not deposits or obligations of, or guaranteed by OCBC Bank. Max is a registered trademark of The Overseas Assurance Corporation Limited. You may wish to seek advice from a financial adviser before making a commitment to purchase a life policy. In the event that you choose not to seek from a financial adviser, you should consider whether the life policy in question is suitable for you.
Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.
This material is for general information only. It is not a contract of insurance. It does not constitute an offer to buy an insurance product or service. It is also not intended to provide any insurance or financial advice. The specific terms and conditions of the plan are set out in the policy documents. A person interested in the insurance policies should read the product summary and benefit illustration (available from OCBC Bank) before deciding whether to buy this product.
No representation or warranty whatsoever in respect of any information provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
Policy Owners’ Protection Scheme
This plan is protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact us or visit the Life Insurance Association (LIA) or SDIC websites (www.lia.org.sg or www.sdic.org.sg).
大东方的保单吧.
2000年时买过ocbc类似的产品link to 大东方的子公司(oac?),2万块下去,5年后拿回2万4千多…2005年给一帅哥说动,又放了4万块下去,2010年拿回4万3左右。。王小二过年一年不如一年。。
大东方的Endoment 5 储蓄保单是这样：
交5年保费，受保期为10年，15年，20年的选择
以1000/月保费，5年 为例
受保期 基本保额 期满款额
10年 $ 53116 $53116(保证）+$24425（非保证）=$77541
保障：死亡，永久残障，和30种重大疾病。通常这类保单回报为2~3%左右，可以当作强制储蓄，但有疾病保障，比存银行定期好多了。
强烈不推荐购买储蓄保险。
强烈不推荐拿储蓄保险当投资来买或者卖。