新光人壽『美添旺』PK 新光人壽『美旺福』外幣利率變動型終身壽險，報酬率比較表
新光人壽美添旺外幣利率變動型終身壽險是2019年2月才推出的保單，宣告利率和自家新光人壽美旺福外幣利率變動型終身壽險同為4%，不過高保費折扣的問檻較低，但以整體報酬率來看，在不同保費折扣下的報酬率有何不同？美添旺因為高保費折扣較優，所以ＩＲＲ及保本率會較美旺福強嗎？
從網站上，兩者差異不大，難以分辨差異！
高保費折扣的比較》美添旺勝
美添旺和美旺福皆有提供高保費折扣，下表比較兩張保單的高保費折扣：
| 主約保費/保額 (美元) |
新光人壽 美添旺 (保費折扣) |
新光人壽 美旺福 (保費折扣) |
| 0.0~1.0萬元(未滿) | 0.00% | 0.00% |
| 1.0~3.5萬元(未滿) | 0.30% | 0.00% |
| 3.5~6.5萬元(未滿) | 0.30% | 0.30% |
| 6.5~14.5萬元(未滿) | 0.50% | 0.30% |
| 14.5~15萬元(未滿) | 0.65% | 0.30% |
| 15萬元以上 | 0.65% | 0.50% |
上表也把不同保費下，保費折扣較高的一方，以棕色粗體顯示。由此較可看以，以高保費折扣來看，美添旺的折扣完勝美旺福！
最低投保額度》兩者同
美添旺和美旺福皆兩者的最低保額皆為3,000 美元，對應的保費也是3,000美元。
附加費用率》美旺福勝
美添旺：4.74~4.81%
美旺福：4.29～4.45%
宣告利率》兩者同
美添旺：4.0%
美旺福：4.0%
預定利率》兩者同
美添旺：1.75%
美旺福：1.75%
內部報酬率分析(宣告利率4.00%為例)》
IRR＝內部報酬率，年化報酬率，如果還是不明白的朋友，也可以把IRR視為保單的真實利率，相當於銀行的定存利率；IRR是愈高愈好。
保本率＝ 該年度末解約金除以累積所繳保費，如某年度末的保本率為100%，則代表保戶在該年度末時，可拿回所繳保費的100%，即損益平衡。保本率愈高愈好。
(1) 躉繳保費未達1萬美元》美旺福勝!!
美旺福：無折扣
美添旺：無折扣
結果：美旺福除了第４年的ＩＲＲ輸了美添旺之外，前２０年內的報酬率皆勝！
| 保單年度末 | 美添旺 IRR(A) |
美旺福 IRR(B) |
(A-B) |
| 1 | -25.16% | -6.35% | -18.81% |
| 2 | -8.71% | -0.73% | -7.98% |
| 3 | -0.27% | 1.20% | -1.47% |
| 4 | 2.53% | 2.41% | 0.13% |
| 5 | 2.84% | 2.93% | -0.09% |
| 6 | 3.04% | 3.11% | -0.07% |
| 6年末+1D | 3.19% | 3.27% | -0.07% |
| 7 | 3.31% | 3.38% | -0.06% |
| 8 | 3.40% | 3.46% | -0.06% |
| 9 | 3.47% | 3.52% | -0.05% |
| 10 | 3.53% | 3.57% | -0.04% |
| 11 | 3.58% | 3.62% | -0.04% |
| 12 | 3.61% | 3.65% | -0.04% |
| 13 | 3.65% | 3.68% | -0.03% |
| 14 | 3.67% | 3.71% | -0.03% |
| 15 | 3.70% | 3.73% | -0.03% |
| 16 | 3.72% | 3.75% | -0.03% |
| 17 | 3.74% | 3.77% | -0.03% |
| 18 | 3.76% | 3.78% | -0.02% |
| 19 | 3.77% | 3.79% | -0.02% |
| 20 | 3.78% | 3.81% | -0.02% |
(2) 躉繳保費1萬美元以上,未滿3.5萬元》美旺福勝!!
美旺福：無折扣
美添旺：享高費費折扣0.3%
結果：美旺福除了第４年的ＩＲＲ輸了美添旺之外，前２０年內的報酬率皆勝！
| 保單年度末 | 美添旺 IRR(A) |
美旺福 IRR(B) |
(A-B) |
| 1 | -24.93% | -6.35% | -18.58% |
| 2 | -8.57% | -0.73% | -7.84% |
| 3 | -0.17% | 1.20% | -1.37% |
| 4 | 2.61% | 2.41% | 0.20% |
| 5 | 2.90% | 2.93% | -0.03% |
| 6 | 3.09% | 3.11% | -0.02% |
| 6年末+1D | 3.24% | 3.27% | -0.02% |
| 7 | 3.36% | 3.38% | -0.02% |
| 8 | 3.44% | 3.46% | -0.02% |
| 9 | 3.51% | 3.52% | -0.02% |
| 10 | 3.56% | 3.57% | -0.01% |
| 11 | 3.60% | 3.62% | -0.01% |
| 12 | 3.64% | 3.65% | -0.01% |
| 13 | 3.67% | 3.68% | -0.01% |
| 14 | 3.70% | 3.71% | -0.01% |
| 15 | 3.72% | 3.73% | -0.01% |
| 16 | 3.74% | 3.75% | -0.01% |
| 17 | 3.76% | 3.77% | -0.01% |
| 18 | 3.77% | 3.78% | -0.01% |
| 19 | 3.79% | 3.79% | -0.01% |
| 20 | 3.80% | 3.81% | -0.01% |
(3) 躉繳保費3.5萬美元以上,未滿6.5萬元》美旺福勝!!
美旺福：享高費費折扣0.3%
美添旺：享高費費折扣0.3%
結果：美旺福除了第４年的ＩＲＲ輸了美添旺之外，前２０年內的報酬率皆勝！
| 保單年度末 | 美添旺 IRR(A) |
美旺福 IRR(B) |
(A-B) |
| 1 | -24.93% | -6.07% | -18.87% |
| 2 | -8.57% | -0.58% | -7.99% |
| 3 | -0.17% | 1.30% | -1.47% |
| 4 | 2.61% | 2.48% | 0.13% |
| 5 | 2.90% | 2.99% | -0.09% |
| 6 | 3.09% | 3.17% | -0.07% |
| 6年末+1D | 3.24% | 3.32% | -0.07% |
| 7 | 3.36% | 3.42% | -0.06% |
| 8 | 3.44% | 3.50% | -0.06% |
| 9 | 3.51% | 3.56% | -0.05% |
| 10 | 3.56% | 3.61% | -0.04% |
| 11 | 3.60% | 3.64% | -0.04% |
| 12 | 3.64% | 3.68% | -0.04% |
| 13 | 3.67% | 3.71% | -0.03% |
| 14 | 3.70% | 3.73% | -0.03% |
| 15 | 3.72% | 3.75% | -0.03% |
| 16 | 3.74% | 3.77% | -0.03% |
| 17 | 3.76% | 3.78% | -0.03% |
| 18 | 3.77% | 3.80% | -0.02% |
| 19 | 3.79% | 3.81% | -0.02% |
| 20 | 3.80% | 3.82% | -0.02% |
(4) 躉繳保費6.5萬美元以上,未滿14.5萬元》美旺福勝!!
美旺福：享高費費折扣0.3%
美添旺：享高費費折扣0.5%
結果：美旺福除了第４年的ＩＲＲ輸了美添旺之外，前２０年內的報酬率皆勝！
| 保單年度末 | 美添旺 IRR(A) |
美旺福 IRR(B) |
(A-B) |
| 1 | -24.78% | -6.07% | -18.72% |
| 2 | -8.48% | -0.58% | -7.90% |
| 3 | -0.10% | 1.30% | -1.41% |
| 4 | 2.66% | 2.48% | 0.18% |
| 5 | 2.94% | 2.99% | -0.05% |
| 6 | 3.13% | 3.17% | -0.04% |
| 6年末+1D | 3.28% | 3.32% | -0.04% |
| 7 | 3.39% | 3.42% | -0.03% |
| 8 | 3.47% | 3.50% | -0.03% |
| 9 | 3.53% | 3.56% | -0.03% |
| 10 | 3.58% | 3.61% | -0.02% |
| 11 | 3.62% | 3.64% | -0.02% |
| 12 | 3.66% | 3.68% | -0.02% |
| 13 | 3.69% | 3.71% | -0.02% |
| 14 | 3.71% | 3.73% | -0.02% |
| 15 | 3.73% | 3.75% | -0.02% |
| 16 | 3.75% | 3.77% | -0.01% |
| 17 | 3.77% | 3.78% | -0.01% |
| 18 | 3.78% | 3.80% | -0.01% |
| 19 | 3.80% | 3.81% | -0.01% |
| 20 | 3.81% | 3.82% | -0.01% |
(5) 躉繳保費14.5萬美元以上,未滿15萬元》美旺福勝!!
美旺福：享高費費折扣0.3%
美添旺：享高費費折扣0.65%
結果：美旺福除了第４年的ＩＲＲ輸了美添旺之外，前２０年內的報酬率皆勝，十分令人驚嚇之處！美添旺的高保費折扣勝過美旺福0.35%，年化報酬率居然還是敗！
| 保單年度末 | 美添旺 IRR(A) |
美旺福 IRR(B) |
(A-B) |
| 1 | -24.669% | -6.068% | -18.602% |
| 2 | -8.409% | -0.577% | -7.832% |
| 3 | -0.053% | 1.304% | -1.356% |
| 4 | 2.701% | 2.483% | 0.217% |
| 5 | 2.971% | 2.988% | -0.016% |
| 6 | 3.152% | 3.166% | -0.014% |
| 6年末+1D | 3.303% | 3.317% | -0.014% |
| 7 | 3.408% | 3.420% | -0.012% |
| 8 | 3.487% | 3.497% | -0.010% |
| 9 | 3.548% | 3.557% | -0.009% |
| 10 | 3.597% | 3.605% | -0.008% |
| 11 | 3.637% | 3.645% | -0.008% |
| 12 | 3.671% | 3.678% | -0.007% |
| 13 | 3.699% | 3.705% | -0.006% |
| 14 | 3.723% | 3.729% | -0.006% |
| 15 | 3.744% | 3.750% | -0.006% |
| 16 | 3.763% | 3.768% | -0.005% |
| 17 | 3.779% | 3.784% | -0.005% |
| 18 | 3.793% | 3.798% | -0.005% |
| 19 | 3.806% | 3.811% | -0.004% |
| 20 | 3.818% | 3.822% | -0.004% |
(6) 躉繳保費15萬美元以上》美旺福勝!!
美旺福：享高費費折扣0.5%
美添旺：享高費費折扣0.65%
結果：美旺福除了第４年的ＩＲＲ輸了美添旺之外，前２０年內的報酬率皆勝！
| 保單年度末 | 美添旺 IRR(A) |
美旺福 IRR(B) |
(A-B) |
| 1 | -24.669% | -5.879% | -18.791% |
| 2 | -8.409% | -0.477% | -7.932% |
| 3 | -0.053% | 1.372% | -1.424% |
| 4 | 2.701% | 2.535% | 0.166% |
| 5 | 2.971% | 3.029% | -0.058% |
| 6 | 3.152% | 3.200% | -0.048% |
| 6年末+1D | 3.303% | 3.351% | -0.048% |
| 7 | 3.408% | 3.449% | -0.041% |
| 8 | 3.487% | 3.523% | -0.036% |
| 9 | 3.548% | 3.580% | -0.032% |
| 10 | 3.597% | 3.626% | -0.029% |
| 11 | 3.637% | 3.664% | -0.026% |
| 12 | 3.671% | 3.695% | -0.024% |
| 13 | 3.699% | 3.721% | -0.022% |
| 14 | 3.723% | 3.744% | -0.021% |
| 15 | 3.744% | 3.764% | -0.019% |
| 16 | 3.763% | 3.781% | -0.018% |
| 17 | 3.779% | 3.796% | -0.017% |
| 18 | 3.793% | 3.810% | -0.016% |
| 19 | 3.806% | 3.822% | -0.015% |
| 20 | 3.818% | 3.833% | -0.015% |
總結與討論
新光人壽美添旺外幣利率變動型終身壽險在不同保費的情況下，皆有較好或是相當於自家美旺福的高保費折扣，但即使在保費14.5萬~15萬美元時，美添旺的高保費折扣已勝過美旺福高達0.35%，美添旺的報酬率居然還是敗給了美旺福，意料之外！
相信新光人壽不是打算下架美旺福，而以美添旺來接替，因為如果是如此，實為愚民不智之舉；以表面文宣的及高宣告利率及高保費折扣的兩大優勢，佐以業務話術的催化，的確可能使部份民眾誤判美添旺較美旺福較優，只能請民眾自己千萬小心！
延伸閱讀》
(2) 學會『72法則』和『IRR』，理解儲蓄險報酬率，好Easy！
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