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 Date:03/23/2011Address:Pay Up Date:11/23/2072Owner:Maturity Date:11/23/2072Mode:MONTHLY Last Anniversary:11/23/2010Next Anniversary:11/23/2011Paid-to-Date:03/23/2011Policy QuotationReinstatement Cost:Accumulated Dividend:S$.00Recommended Loan Amount :S$4,065.24Interest on Dividend:S$.00Existing Loan:Terminal Dividend:S$.00Accrued Loan Interest:Prepaid Premium :S$.00Loan Pay Off:FPDF – 1:0Gross Policy Cash Val:S$3,430.33Interest:S$0.00Vested RB:S$3,470.06FPDF – 2(Coupons Deposit):0RB – Cash Value:S$1,086.60Interest:S$0.00Net Surrender Value:S$4,516.93FPDF – 3:0Total Reduced Paid-Up #:S$14,850.86Interest:S$0.00Total ETI:S$33,470.10FPDF – 4:0Pure Endowment:S$.00Interest:S$0.00Expiry Date:02/25/2033Premium BreakdownPlan CodePlan NameStatusCoverage AmountPremiumWLRB1RB PRIME LIFE (AB)@Inforce – Premium PayingS$30,000.00 S$ 42.00APWP-FR ADVANCE PAYMENT AND WAIVER OF PREMIUM (FREE)Inforce – Premium PayingS$30,000.00 S$ .0030T05AA 30 YEAR DTR (INT-5%)@Inforce – Premium PayingS$132,515.00 S$ 15.30APWP-PURADVANCE PAYMENT AND WAIVER OF PREMIUM (PURCHASABLE)Inforce – Premium PayingS$132,515.00 S$ 6.80Modal PremiumsAnnually:S$748.80Semi Annually:S$380.90Quarterly:S$202.90Monthly: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.
这样1也不对啊，non-guaranteed 虽然不保证，但保险公司每年都会declare,而且一旦declare, 就变成guarateedle ,有时declare的比guaranteed的 还要多。
你也是在假设43年breakeven, 如果你有真的保单，就去看看现在的surrender value 是多少，我不相信43年才打平。当然不能把你rider都计算在里面。