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发表于 31-7-2008 05:08 PM
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看到聊天区有个endownment plan..一年有4％的dividend..我想试试。。不过不懂好吗？ comment下。。
Fixed Dividend Endowment Plan (FDE)
Description
Fixed Dividend Endowment is designed to provide you with a stable income for the period of investment because dividend is paid annually.
This is a single premium, non-participating endowment policy designed to give the policyholders a specific guaranteed fixed dividend, or yield on maturity (similar to a fixed deposit with a bank or finance company). The benefit will be payable upon survival, death or surrender. The maturity period ranges from 1 to 5 years.
Benefits
* Guaranteed Fixed Annual Dividend Rates*
Maturity Term (year/s) Fixed Annual Dividend
1
4.00% p.a
2
4.10% p.a
3
4.20% p.a
5
4.20% p.a
* May change from time to time
* Death Benefit Coverage
In the event of death of the Life Insured during the policy term, a sum assured of 125% of the Single Premium is payable.
* Dividend will be paid annually to policyholder
* Accessibility
You are encouraged to invest in a longer-term plan to enjoy the high dividend rates.
Early withdrawal is allowed at any one time according to this formula;
Surrender Value(SV) = 99% x SP x (1.025) k/365
k = no. of days from last policy anniversary date to surrender date.
e.g. RM10,000 policy, surrender after 200 days
Surrender Value = 99% x 10,000 x (1.025) 200/365
= RM10,034.86
Plan Highlights
* Guaranteed high fixed dividend rates on your investment
* Life insurance coverage up to 125% of the Single Premium
* No service charge and management fees
* Hassle free investment managed by professional investment team
* All proceeds from FDE are tax-free
* It is a capital & dividend guaranteed plan.
Eligibility
Minimum
Maximum
Insured
30 days
60 years
Policyowner
18 years
No limit
Application Amount (per life)
Minimum is RM10,000
Maximum is RM4 million
No medical examination is required for applications up to RM1 million.
Rollover Options
2 months prior to maturity, MAA will send out the letter to all policyholders with the following options:
a) withdraw dividend only
b) withdraw ALL
c) rollover at prevailing rates
If a “NO” reply is received by MAA from the policyholders, MAA will execute your preference as indicated in your proposal form. Note that the current rate is not a guide to future rates which may be different and have no bearing to current rates. Future rate may rise or fall. |
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