I******y 发帖数: 176 | 1 Banners最便宜和AG差不多。prudential比他们贵$40/year。agent是prudential的
忽悠说他家和AG都living benefits就是如果快挂了提前把钱拿出一部分banners没有
这个benefit.而且prudential可以switch to permanent有很多选择。 AG选择没有那么
多。大家觉得买哪个好。30年的term. | r****m 发帖数: 1204 | 2 It depends on a few factors - if you are petty young right now, say after 30
years you are only around 60, those living benefits are probably not much
use for you, in my view, no need to go after them.
Also, if you will have lots of money after 30 years, and you will leave some
legacy to your kids anyway, then you better don't touch the death benefit,
leave it to your children, tax free. | I******y 发帖数: 176 | 3 是的early 30. 你第二段什么意思没有看懂,这个death benefit现在是beneficiary是
配偶 你意思是以后转成permanent给小孩? | r****m 发帖数: 1204 | 4 我第二段对Term Life可能不妥。我的意思是, 你将来如果用了这个living benefits
riders, 你如果去世的话留给beneficiary 的保赔金额就会相应扣除。
不过你这个是Term Life, 你如果在term期间发生了需要living benefits的疾病,但
人没死的话, term结束你会是一分钱也拿不到。 所以只要能用上还是值的。 |
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