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Investment control insurance

2025/12/5 Edited to

... Read moreประกันควบการลงทุน หรือที่รู้จักในชื่อ Unit Linked เป็นผลิตภัณฑ์ประกันชีวิตที่รวมประโยชน์ทั้งการคุ้มครองและการลงทุนไว้ด้วยกัน โดยผู้เอาประกันสามารถชำระค่าเบี้ยประกันเพื่อสร้างความคุ้มครองชีวิตภายใต้ทุนประกันที่กำหนด พร้อมกับสามารถเลือกลงทุนในกองทุนต่างๆ ตามความเสี่ยงที่ยอมรับได้ เหมาะกับผู้ที่ต้องการบริหารเงินเพื่อเพิ่มมูลค่าระยะยาว สำหรับแบบประกัน iLink ที่กล่าวถึงนี้ เป็นรูปแบบประกันควบการลงทุนที่มีความโปร่งใสและตรงไปตรงมา โดยมีแผนการออมเงินประมาณปีละ 40,000 บาท ซึ่งเป็นจำนวนที่เหมาะสมสำหรับผู้เริ่มต้น โดยเงินที่จ่ายจะถูกแบ่งเป็นส่วนที่ใช้สร้างความคุ้มครองชีวิต ซึ่งแพ็คเกจนี้ให้ทุนประกันสูงถึง 5 ล้านบาท ช่วยสร้างความมั่นใจให้กับผู้เอาประกันและครอบครัวได้ดี นอกจากความคุ้มครองชีวิตแล้ว เงินส่วนที่เหลือจะถูกนำไปลงทุนในกองทุนรวมที่หลากหลาย เพื่อเปิดโอกาสรับผลตอบแทนมากกว่าการออมเงินตามปกติ โดยผู้เอาประกันสามารถเลือกสัดส่วนการลงทุน และทำการปรับเปลี่ยนพอร์ตลงทุนได้ตามสถานการณ์และเป้าหมายชีวิตของตัวเอง จุดนี้ทำให้ประกันควบการลงทุนเป็นทางเลือกที่ได้ทั้งความปลอดภัยและโอกาสสร้างผลตอบแทนในระยะยาว นอกจากนี้ ประกันประเภทนี้ยังเหมาะกับลูกค้าที่ต้องการวางแผนการเงินอย่างรอบคอบและยาวนาน เพราะการผูกเบี้ยประกันในระยะยาวจะช่วยให้ได้รับประโยชน์ทั้งจากการสะสมเงินและได้รับความคุ้มครองในเวลาเดียวกัน ท้ายที่สุด การเลือกซื้อประกันควบการลงทุนควรพิจารณารายละเอียดสัญญา ค่าใช้จ่ายต่างๆ และควรขอคำแนะนำจากผู้เชี่ยวชาญหรือที่ปรึกษาทางการเงินที่มีประสบการณ์ เพื่อให้ตรงกับความต้องการและเป้าหมายทางการเงินของตนเองอย่างแท้จริง

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