有人了解 AmCash Gruarantee 21 吗?

whatthesucks

想请问各位大大，这个可取吗？

最近听到有这样产品的存在，

有谁了解详情吗？


官方网址

http://www.ambg.com.my/insurance/life/amcashguarantee21.asp

whatthesucks

Features
With AmCash Guarantee 21 , you may enjoy...
           protection against death, critical illness and total and permanent disability
           guaranteed cash payouts at regular 3-year intervals
           a sizeable lump sum benefit upon maturity
           money to fulfill your commitments and realize your dream
Product Coverage
With AmCash Guarantee 21, now you may enjoy...
Minimum age of entry
        :        1 years old
Maximum age of entry        :        50 years old
Policy/Premium Term        :        21 years
Minimum sum assured        :        RM10,000
Benefits
Life Insurance Coverage
In the event of death;
           Basic Sum Assured
           Accumulated Cash Dividends*
           Terminal Dividends*
are payable to your loved ones assisting them to weather the unexpected financial storm.

Income Replacement Coverage
Upon Total Permanent Disability (TPD) before age 65;
           Basic Sum Assured
           Accumulated Cash Dividends*
           Terminal Dividends*
are payable to cushion the financial shock experienced by you and your family.

Dread Disease Coverage
When diagnosed with Critical Illness # before age 70;
           Basic Sum Assured
           Accumulated Cash Dividends*
           Terminal Dividends*
are payable to reduce your financial burden and increase possibility to seek better medical treatment.

Guaranteed Annual Payment (GAP)***
From the end of 3 rd policy year onwards, you will enjoy cash payment that is:
           Guaranteed
           Payable at 3 years intervals
           Tax free
The money is at your disposal in fulfi lling your commitments or realising your dreams.

Maturity Benefit
Upon completion of the 21-year policy term, you will obtain:
           The balance 42% of Basic Sum Assured
           Accumulated Cash Dividends*
           Terminal Dividends*
One more good reason for you to celebrate the sunny side of your life!

Cash Dividends*
Cash dividends may be declared annually from the end of 3rd policy year. You have the option to:
        1. Leave with the company to accumulate with interest
        2. Withdraw the money
If no option is chosen, the default option shall be Option 1.

Terminal Dividends*
Terminal dividends may be payable upon:-
           Death/TPD
           Diagnosis of critical illness
Maturity
           Surrender

Evolution^_^

什么来。的。。
谁可以详细地解释pm我。。
谢谢

whatthesucks

AmCash Guarantee 21
Yearly Saving 每年存款	2,000	3,000	5,000	6,000	10,000	15,000
Protection 保障	25,000	38,000	65,000	76,500	130,000	194,000
Guaranteed  Cash Back(Every 3year)
3rd Year - 8%	2,000	3,040	5,200	6,120	10,400	15,520
6th Year - 10%	2,500	3,800	6,500	7,650	13,000	19,400
9th Year - 10%	2,500	3,800	6,500	7,650	13,000	19,400
12th Year -  10%	2,500	3,800	6,500	7,650	13,000	19,400
15th Year -  10%	2,500	3,800	6,500	7,650	13,000	19,400
18th Year -  10%	2,500	3,800	6,500	7,650	13,000	19,400
Total  Return 总回酬	68,000	101,000	170,000	204,675	346,000	519,046
**Above are  illustrated for a male of age 30, mdetails please refer to official  document.

[ 本帖最后由 whatthesucks 于 14-12-2008 03:06 AM 编辑 ]

whatthesucks

Total  Return
总回酬

是以21年来算的， 所以说21 年不拿只有进钱，才有那个数目。

各位大大， 你们觉得有可能吗？

is this saving plan better??

蜜瓜西瓜木瓜

我时常都不相信这些银行的plan的。。。。。

请看清楚哦。。。那个回酬是base on你的insurance的。并非你所投资的钱。。。

比如第18年。。。你给了2000 X 18 = 36000

但是，你只拿得到 2500。。。

18th Year -  10% 2,500

这就是为什么他说10%咯。。。并非全部premium。。。当然。。。这是从你的资料来看。。。可能里面还有跟深奥的term and conditions呢。。。。

蜜瓜西瓜木瓜

从你的资料来看。。。每三年才派钱。。。。不就是差不多10%/3吗？

二十年后25000能赔什么？

vivienne

原帖由 蜜瓜西瓜木瓜 于 14-12-2008 10:08 发表
从你的资料来看。。。每三年才派钱。。。。不就是差不多10%/3吗？

二十年后25000能赔什么？

那你知道关于 Hong Leong Assurance
或
CIMB 的储蓄计划吗

sstsy

如果你打算注重10年以上的储蓄，我建议我公司ING的IPIP 12。
想要详细资料，欢迎给我你的详细资料。