有没有人看懂这个表,这是一个保险产品,求讲解啊

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Key benefits:

• Annual Cashback
  From the end of the second policy year until the end of the second last policy year, you'll receive cashback annually. It's extra money to use as you please and that includes the option to re-invest it into your ACE plan at an attractive interest rate2.
• Attractive Total Payout
  By re-investing your annual cashback, you can grow your savings and receive a higher total payout, together with the lump sum maturity benefit when your policy matures.
• 3 Policy Terms to choose from
  Choose from a 18-year or 21-year term policy (ACE 18 or ACE 21) to finance your child's tertiary education. Or a 25-year term (ACE 25) to build a retirement nest egg. Choose the policy term that best suits your needs.
• Coverage for Death, Total and Permanent Disability
  Should unforeseen circumstances strike before your policy matures, your loved ones may find some relief from pressing financial concerns by claiming the basic sum assured and any declared bonuses.
• Enhanced Coverage Options
  By adding on various optional benefits to your ACE plan, you can boost your protection against some of life's unexpected events such as critical illnesses, accidents, disability and hospitalisation.
  

To find out how much you can gain with ACE, take a look at the table below:
This illustration is based on a male, non-smoker, age 30 next birthday, with basic sum assured S$30,000.

Policy Term (Years)	Monthly Premium	Total Annual Cashback received before maturity3	Projected maturity amount if you withdraw the Annual Cashback			Projected maturity amount if you re-invest the Annual Cashback with Great Eastern Life2
			Guaranteed	Non- Guaranteed	Total	Guaranteed	Non- Guaranteed	Total
18	$263.80	$26,400	$9,600	$26,979	$36,579	$36,000	$34,469	$70,469
21	$251.20	$31,800	$7,200	$32,487	$39,687	$39,000	$43,450	$82,450
25	$240.55	$39,000	$3,000	$42,280	$45,280	$42,000	$59,166	$101,166

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关键词：有没有人 保险产品 有没有 illustration Guaranteed benefit into attractive receive includes

Annual Cashback：说的是从第二年开始返还给你的生存金，你可以投入到另一个账户进行投资，目前有的寿险公司“喜欢”在主险上附加一个万能险（万能账户），让客户将每年领取的生存金投入到万能账户，以此增加客户的收益，另一方面，保险公司也延长了支付保险利益的时间；
Attractive Total Payout：强调了Annual Cashback的作用，就是增加了客户的收益；
3 Policy Terms to choose from：这是一个选择权，一种是从18岁到21岁时，你可用来支付大学教育费用，另一种选择是从25岁开始的一年金方案；
Coverage for Death, Total and Permanent Disability：这个是死亡或全残保险金的作用；
Enhanced Coverage Options：其他选择，简要说明了ACE计划的好处有哪些？
前面讲的是这个产品的基本形态。
下面的表格及说明是一个具体例子：被保险人男性，年龄30岁，不吸烟，基本保险金额30000美元。那个表应该能看懂吧，就是一个“利益演示表”。。。。

非常感谢，但是那个表我有几个地方不太清楚啊，首先就是这个premium是保险公司给被保险人吧？那么这个premium持续多久呢？三年？还有Projected maturity amount if you withdraw the Annual Cashback是指在我不拿回Annual Cashback的情况下得到的钱吗？还有这个total Annual Cashback是分几年给，使平均分配吧？还有除了这些以外，我最后能不能拿到我之前投入的30000本金？因为是第一次看这种表，所以问题估计很白痴，希望你能多多指教，嘿嘿

didn't read it all, but from all what i learned from school, premium should be defined as what insurd pay to the insurer periodically or all at once(forgot this terminology)

o0odudu 发表于 2013-3-2 10:30
didn't read it all, but from all what i learned from school, premium should be defined as what insur ...

I see.Thank you very much.

顶一下，求讲解啊

再追加一个问题，这个表中的金额指的是什么，这个表上面描述的那句话没太看懂

你这是上班呢还是上学呢

o0odudu 发表于 2013-3-2 23:41
你这是上班呢还是上学呢

上学呢，要求做一个workshop，看着公司的annual report，要抓狂了

锅包肉水爆肚 发表于 2013-3-3 00:16
上学呢，要求做一个workshop，看着公司的annual report，要抓狂了

你问的是insurance liability么？我也不懂
我查了查，跳出来的都是liability insurance责任保险肯定是不同的东西
帮你顶了，希望有大仙来回答一下，应该不是什么深奥的东西