资讯地带：那里找4%FD,另加125%保障？

investor1

T&C :
1. 最低存款：RM10K
2. duration: 一年（4.0%），两年（4.1%），三年（4.2），五年（4.2%）。

junejune777

‘免费125%保障’请问是怎样的保障？？？谢谢~

vicjerry

请pm乡情。。。。。。。。。。

investor1

MAA 是保险公司，MAAKL是投资公司（MAAKLMutual)。MAAKL 就像publicmutual,他们有自己的fundmanager，管理旗下的funds. MAAKL Mutual 地pioneer,是有经验的fundmanager,之前是某no.1mutual的红牌fundmanager, MR Wong.以他丰富的经验，在短短几年内，让MAAKL崛起，也又不少awards.

investor1

乡情如下：
1)min amount- RM10K
2) 1yr=4%, 2yrs=4.1%, 3yrs=4.2%, 5yrs=4.2%
3)annual dividend payout
4)125%保障是说，如在储蓄其间遇不幸，公司会还你12.5k(存10K),也就是说，interest=25%。

junejune777

原帖由 investor1 于 9-9-2008 06:59 PM 发表
乡情如下：
1)min amount- RM10K
2) 1yr=4%, 2yrs=4.1%, 3yrs=4.2%, 5yrs=4.2%
3)annual dividend payout
4)125%保障是说，如在储蓄其间遇不幸，公司会还你12.5k(存10K),也就是说，interest=25%。

请问是意外死亡的保障还是自然死亡的保障？谢谢~

yyhhcc

1)min amount- RM10K
2) 1yr=4%, 2yrs=4.1%, 3yrs=4.2%, 5yrs=4.2%
3)annual dividend payout
4)125%保障是说，如在储蓄其间遇不幸，公司会还你12.5k(存10K),也就是说，interest=25%。

原帖由 junejune777 于 10-9-2008 09:18 AM 发表
请问是意外死亡的保障还是自然死亡的保障？谢谢~

LZ 请回答以下问题：

1。1yr=4%, 2yrs=4.1%, 3yrs=4.2%。。。。。这利息能够reinvest回去本金（10K）吗？还是一定要提出来？

2。annual dividend payout : 这是除了那4%之外所‘可能’得到的额外利益，对吗？

3。请问是意外死亡的保障还是自然死亡的保障？谢谢~（june 问的）

4。这plan 有‘锁死x年’的概念吗？如果在第三年我急需钱用，我能连本带息拿完出来吗？


谢谢

yyhhcc

investor1,

可以回答以上问题吗？

再重复：

1。1yr=4%, 2yrs=4.1%, 3yrs=4.2%。。。。。这利息能够reinvest回去本金（10K）吗？还是一定要提出来？

2。annual dividend payout : 这是除了那4%之外所‘可能’得到的额外利益，对吗？

3。请问是意外死亡的保障还是自然死亡的保障？谢谢~（june 问的）

4。这plan 有‘锁死x年’的概念吗？如果在第三年我急需钱用，我能连本带息拿完出来吗？


谢谢

小魔星

我也想知道yyhhcc所提出的问题~

simirutan

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

   1. 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

   2. 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.

   3. Dividend will be paid annually to policyholder

   4. 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.