f****r
发帖数: 5118 | 1 Term 结束以后，把所有premium都退给你，
这种life insurance sounds good ？ 比一般的life insurance premium贵一倍，
不过是不是也很好？其实就是把利息来pay premium了 |
S*******s
发帖数: 10098 | 2 有这个钱， 就买得起 whole life policy了吧。
除非自杀，whole life保证拿回DB(Death Benefitt)+每年公司分红+免税。富人拿它作
遗产；穷人就不妥了。
【在 f****r 的大作中提到】
: Term 结束以后，把所有premium都退给你，
: 这种life insurance sounds good ？ 比一般的life insurance premium贵一倍，
: 不过是不是也很好？其实就是把利息来pay premium了
|
f****r
发帖数: 5118 | 3 每年公司分红 ？保险有公司分红？是什么意思
【在 S*******s 的大作中提到】
: 有这个钱， 就买得起 whole life policy了吧。
: 除非自杀，whole life保证拿回DB(Death Benefitt)+每年公司分红+免税。富人拿它作
: 遗产；穷人就不妥了。
|
g*****g
发帖数: 34805 | 4 It's no good. Buy simple term, and invest rest.
【在 f****r 的大作中提到】
: Term 结束以后，把所有premium都退给你，
: 这种life insurance sounds good ？ 比一般的life insurance premium贵一倍，
: 不过是不是也很好？其实就是把利息来pay premium了
|
S*******s
发帖数: 10098 | 5 invest the rest yourself? to me, that is 不求甚解。投资什么才能搞到更高回报？
Suze Orman is an investment entertainer(娱乐者) who puts 1/4 of her money in
gvmt bonds. What type of return she gets?
【在 g*****g 的大作中提到】
: It's no good. Buy simple term, and invest rest.
|
k***n
发帖数: 3158 | 6 one at least can just buy index funds to get an average market return
better yet, the permanent fund to get better diversification
there is really no need to pay others for playing your hard earned money
as 50% of them will fail against the market
报？
.
【在 S*******s 的大作中提到】
: invest the rest yourself? to me, that is 不求甚解。投资什么才能搞到更高回报？
: Suze Orman is an investment entertainer(娱乐者) who puts 1/4 of her money in
: gvmt bonds. What type of return she gets?
|
S*******s
发帖数: 10098 | 7 Depends ....
Also,if you could do it consistantly.
【在 k***n 的大作中提到】
: one at least can just buy index funds to get an average market return
: better yet, the permanent fund to get better diversification
: there is really no need to pay others for playing your hard earned money
: as 50% of them will fail against the market
:
: 报？
: .
|
S*******s
发帖数: 10098 | 8 If you buy a whole/permant life policy from mutaul insurance companies, they
are none public traded insurance firms that will pay dividends to whole
life policy owners just like a publicly traded company 分红给它的 stock
shareholders.
Mutaul insurance companies红利主要来自于Death claims savings, Investment
results, expense savings.保险公司的投资包括自己子公司各类业务，购并其他公司
，地产旅游业。。。。。
【在 f****r 的大作中提到】
: 每年公司分红 ？保险有公司分红？是什么意思
|
r***e
发帖数: 2539 | 9 每年多少分红？
they
【在 S*******s 的大作中提到】
: If you buy a whole/permant life policy from mutaul insurance companies, they
: are none public traded insurance firms that will pay dividends to whole
: life policy owners just like a publicly traded company 分红给它的 stock
: shareholders.
: Mutaul insurance companies红利主要来自于Death claims savings, Investment
: results, expense savings.保险公司的投资包括自己子公司各类业务，购并其他公司
: ，地产旅游业。。。。。
|
S*******s
发帖数: 10098 | 10 Depend on each mutual firm's earning and saving.
You can buy from a strong one.
【在 r***e 的大作中提到】
: 每年多少分红？
:
: they
|
f****r
发帖数: 5118 | 11 介个似乎更好一些，能推荐一个吗？给个url 谢谢
【在 S*******s 的大作中提到】
: Depend on each mutual firm's earning and saving.
: You can buy from a strong one.
|
S*******s
发帖数: 10098 | 12 http://www.consumersearch.com/search/reviews/%20life%20insuranc
According to agencies that rate financial strength &
Accoding to consumers and/or organizations like the Better Business Bureau
Voted as the top 2 choices: Mass Mutual and Northwestern Mutual.
((Mass Mutual has spent 50 years at the top of A.M. Best's insurance ratings.
It is one of the financially strongest life insurance companies at Weiss
Ratings -- the strictest of the ratings agencies, according to
ConsumerReports.org. It earns an A+ rating from the Better Business Bureau.
Customer complaints are as rare. It has been in business a bit longer than
Northwestern Mutual (since 1851),-- and it earns a better rating there than
Northwestern Mutual (A vs. A- for the latter). Mass Mutual is the fifth-
biggest life insurer in the U.S., just ahead of Northwestern Mutual.
Northwestern Mutual earns top financial ratings (with the highest possible
grade at four of the five ratings agencies and a very high A- at Weiss
Ratings); an A+ rating from the Better Business Bureau. It's also one of the
sixth biggest life insurance companies in the country --according to the
Insurance Information Institute.
Northwestern Mutual has been in business since 1857, and it has proven
impressively reliable over the long haul: It's one of only 14 life/health
insurance companies that has maintained a financial rating of A or better at
A.M. Best for 75 years in a row.))
New York Life It's one of the most financially sound -- although not quite
as high as Northwestern Mutual or Mass Mutual.
Near the top: Guardian Life Insurance Co. of America has ranked.
Worth to consider: American Family Life, American Fidelity Assurance Co,
Columbus Life Insurance Co., John Hancock Life Insurance, State Farm Life
Insurance Co. and Western & Southern Life
------------------------------------
Some of the worst life insurance companies:
Allstate and State Farm.
Unum, one of AAJ's 10 worst insurance companies,attracts a lot of customer
complaints.
Conseco is named one of AAJ's 10 worst and one of Weiss's 10 financially
weakest insurance companies, and its life insurance arm has a lot of
customer complaints upheld (deemed the company's fault) for its size at NAIC
-- 8 times the national median. Several complain about account service (
premium notices, billing, etc.) or say that Conseco delayed or denied their
insurance claims.
In 2002, Conseco filed for Chapter 11 bankruptcy, the third-biggest
bankruptcy in U.S. history at the time. In 2010, Conseco got a new name (CNO
Financial Group), but it's still on Weiss's 10-weakest list. So is its
subsidiary, Colonial Penn, which has used Ed McMahon and Alex Trebek to
pitch its "guaranteed acceptance life insurance" on TV commercials
ding 【 在 father (老爷子) 的大作中提到: 】 |
n**r
发帖数: 67 | 13 I came across this blog. In particularly, the 2nd post.
http://theinsuranceproblog.com/top-whole-life-insurance-compani
http://theinsuranceproblog.com/whole-life-dividend-variation-an
Take it with a grain of salt.
【在 f****r 的大作中提到】
: 介个似乎更好一些，能推荐一个吗？给个url 谢谢
|
