When it comes to securing your financial future and protecting your loved ones, Allianz offers two robust solutions: the EverLink Plus 和 EverLink Signature plans. Both plans provide a blend of life insurance coverage and investment opportunities, but each is tailored to meet different needs and preferences. In this article, we’ll compare the two plans to help you decide which one suits your financial goals best.
Purpose of the Plans
Allianz EverLink Signature:
The EverLink Signature plan is designed to offer comprehensive investment-linked insurance. It provides policyholders with both life insurance coverage and the potential for significant investment growth through a variety of unit funds. This plan is ideal for individuals looking to secure their financial future while also taking advantage of market opportunities for higher returns.
Allianz EverLink Plus:
The EverLink Plus plan focuses on providing robust life insurance protection with an added emphasis on family financial stability and aspirations. It combines life insurance coverage with investment opportunities, helping policyholders achieve long-term financial goals while ensuring their family’s financial security.
Coverage and Benefits
Allianz EverLink Signature:
- Life Insurance Coverage: Provides death benefit and total permanent disability (TPD) coverage.
- 投资组成部分: Offers a wide range of unit funds for potential investment growth.
- 灵活性: Allows policyholders to adjust the sum assured and premium amounts as their needs change.
- Rider Options: Includes additional riders for enhanced protection, such as critical illness and medical coverage.
Allianz EverLink Plus:
- Life Insurance Coverage: Similar to the Signature plan, it offers death benefit and TPD coverage.
- 投资组成部分: Permits investment in unit funds, aiming for steady financial growth.
- 家庭保障： Focuses on ensuring the financial stability and protection of the policyholder’s family.
- Premium Allocation: A portion of the premiums is allocated to investment-linked accounts, with potential for fund value growth.
Good & Bad
| 计划 | Good | Bad |
| Allianz EverLink Signature | – Comprehensive coverage with flexible riders – Wide range of unit funds for diversified investment – Flexibility to adjust coverage and premiums | – Complexity due to a variety of investment options and riders – Market risk affecting investment returns |
| Allianz EverLink Plus | – Strong emphasis on family financial protection – Simpler structure, easier to understand – Balanced approach combining protection and investment | – Fewer investment options compared to the Signature plan – Less flexibility in adjusting coverage and premiums |
Suitability for Different People
Allianz EverLink Signature:
- Young Professionals: Early career individuals looking to start investing while securing life insurance coverage.
- High Net-Worth Individuals: Those who can afford higher premiums and seek extensive coverage options and diverse investments.
- Investment Savvy Individuals: Comfortable with managing investments and willing to take market risks for higher returns.
Allianz EverLink Plus:
- Young Families: Families wanting to ensure financial security while growing their investments.
- Middle-Income Earners: Prefer a straightforward plan offering both insurance and investment benefits.
- Risk-Averse Individuals: Favor a less complex investment structure focused on family protection and stability.
Achievable Financial Goals
Allianz EverLink Signature:
- Retirement Planning: Build a substantial retirement fund through strategic investments.
- Estate Planning: Ensure sufficient funds for estate taxes and provide a legacy for heirs.
- Education Fund: Accumulate savings for children’s higher education.
- Wealth Preservation: Protect and grow wealth through life insurance and high-yield investments.
Allianz EverLink Plus:
- Emergency Fund: Create a reliable safety net for emergencies.
- Mortgage Protection: Secure the family home by covering mortgage payments.
- Child’s Education: Save steadily for children’s education expenses.
- Income Replacement: Ensure family living expenses are covered in the event of death or disability.
总结
Choosing between Allianz EverLink Signature and EverLink Plus depends on your individual financial goals, risk tolerance, and the level of flexibility you require. The EverLink Signature plan is suitable for those seeking extensive investment options and flexibility, while the EverLink Plus plan is ideal for those focusing on family protection and straightforward financial planning. Both plans offer a blend of life insurance and investment opportunities, making them valuable tools in securing your financial future.