b********j
发帖数: 109 | 1 准备买房。听说买完房需要买份Life insurance。有必要吗？ |
N*9
发帖数: 2829 | |
n******r
发帖数: 13312 | |
s****s
发帖数: 1248 | 4 不管买不买房，家里顶梁柱要买Life insurance，几百块钱不贵
【在 b********j 的大作中提到】
: 准备买房。听说买完房需要买份Life insurance。有必要吗？
|
b********j
发帖数: 109 | 5 看来我得买。顶梁柱啊~~~~~大家都买什么life insurance? |
d*****j
发帖数: 1192 | 6 Term life insurance. Do not buy whole or variable life insurance no matter
what insurance agents try to hard sell to you.
【在 b********j 的大作中提到】
: 看来我得买。顶梁柱啊~~~~~大家都买什么life insurance?
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x****o
发帖数: 29677 | 7
这个没有这么绝对，cash value life insurance这几年发展很大，不买 variable
universal life insurance，可以买index型的。不是说term就能beat其他的
whole life也不是不可以，但是很多要买到100多岁
【在 d*****j 的大作中提到】
: Term life insurance. Do not buy whole or variable life insurance no matter
: what insurance agents try to hard sell to you.
|
n****8
发帖数: 1716 | 8 你没有Life insurance吗？ 乡下人？ |
p**5
发帖数: 2544 | 9 有什么推荐吗？
【在 d*****j 的大作中提到】
: Term life insurance. Do not buy whole or variable life insurance no matter
: what insurance agents try to hard sell to you.
|
b********j
发帖数: 109 | 10 放狗搜了下：
wiki上的解释http://en.wikipedia.org/wiki/Life_insurance～～～太长。大意好像就是没钱就买term 吧，老了term很贵了但也许没有life insurance的需要；有钱就可以买whole，贵些但cover 终身、有Cash value，可以自己投资且避税。
Term insurance
Term assurance provides life insurance coverage for a specified term. The
policy does not accumulate cash value. Term is generally considered "pure"
insurance, where the premium buys protection in the event of death and
nothing else.
There are three key factors to be considered in term insurance:
Face amount (protection or death benefit),
Premium to be paid (cost to the insured), and
Length of coverage (term).
Annual renewable term is a one-year policy, but the insurance company
guarantees it will issue a policy of an equal or lesser amount regardless of
the insurability of the applicant, and with a premium set for the applicant
's age at that time.
Another common type of term insurance is mortgage life insurance, which
usually involves a level-premium, declining face value policy. The face
amount is intended to equal the amount of the mortgage on the policy owner's
property, such that any outstanding amount on the applicant's mortgage will
be paid should the applicant die.
Whole life coverage
Whole life insurance provides lifetime death benefit coverage for a level
premium in most cases. Premiums are much higher than term insurance at
younger ages, but as term insurance premiums rise with age at each renewal,
the cumulative value of all premiums paid across a lifetime are roughly
equal if policies are maintained until average life expectancy. Part of the
insurance contract stipulates that the policyholder is entitled to a cash
value reserve, which is part of the policy and guaranteed by the company.
This cash value can be accessed at any time through policy loans and are
received income tax free. Policy loans are available until the insured's
death. If there are any unpaid loans upon death, the insurer subtracts the
loan amount from the death benefit and pays the remainder to the beneficiary
named in the policy.
While the marketing divisions of some life insurance companies often explain
whole life as a "death benefit with a savings component", this distinction
is artificial according to life insurance actuaries Albert E. Easton and
Timothy F. Harris. The net amount at risk is the amount the insurer must pay
to the beneficiary should the insured die before the policy has accumulated
an amount equal to the death benefit. It is the difference between the
current cash value amount and the total death benefit amount. Because of
this relationship between the cash value and death benefit, it may be more
accurate to describe the policy as a single, indivisible product, as no
actual separation of the cash value and death benefit is possible.
The advantages of whole life insurance are guaranteed death benefits,
guaranteed cash values, fixed, predictable annual premiums and mortality and
expense charges that will not reduce the cash value of the policy. The
disadvantages of whole life are inflexibility of premiums and the fact that
the internal rate of return in the policy may not be competitive with other
savings alternatives. The death benefit can also be increased through the
use of policy dividends, though these dividends cannot be guaranteed and may
be higher or lower than historical rates over time. According to internal
documents from some life insurance companies, like Massachusetts Mutual, the
internal rate of return and dividend payment realized by the policyholder
is often a function of when the policyholder buys the policy and how long
that policy remains in force. Dividends paid on a whole life policy can be
utilized in many ways.
【在 d*****j 的大作中提到】
: Term life insurance. Do not buy whole or variable life insurance no matter
: what insurance agents try to hard sell to you.
|
|
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b********l
发帖数: 2 | 11 你有吗？
【在 n****8 的大作中提到】
: 你没有Life insurance吗？ 乡下人？
|
s*******n
发帖数: 901 | 12 必须买，没有人可以保证自己没有问题。而且买了也可以使其他人放心。但是不要超过
自己的承受能力就是了 |
b********j
发帖数: 109 | 13 目前单位有一份3倍工资的term，正在考虑是否要再买个term或是whole
【在 s*******n 的大作中提到】
: 必须买，没有人可以保证自己没有问题。而且买了也可以使其他人放心。但是不要超过
: 自己的承受能力就是了
|
n***8
发帖数: 37 | 14 单位的Term 换工作后就没了！自己安排的就没有这限制。
【在 b********j 的大作中提到】
: 目前单位有一份3倍工资的term，正在考虑是否要再买个term或是whole
|
d*****j
发帖数: 1192 | 15 I have whole life from Mass Mutual, Variable from AXA and Term insurance
from Prudential.
Having sucked money into whole and variable, I regret investing a penny into
them.
Cash value is a sales gimmick, if you withdraw, the money will be deducted
from your death benefits. When I bought my insurance, I was under the
illusions that I had death benefit in addition to cash value. Unless you
have 5mm+ estate and want to avoid
estate tax, whole life is a poor choice for investment.
Variable's return rate seems attractive, but the hefty fees basically swipe
out majority of your gain.
Term is only way to go unless you're super rich and need to avoid estate tax.
【在 x****o 的大作中提到】
:
: 这个没有这么绝对，cash value life insurance这几年发展很大，不买 variable
: universal life insurance，可以买index型的。不是说term就能beat其他的
: whole life也不是不可以，但是很多要买到100多岁
|
N*9
发帖数: 2829 | 16 说得不错，就需要买过的人出来现身说法
into
swipe
【在 d*****j 的大作中提到】
: I have whole life from Mass Mutual, Variable from AXA and Term insurance
: from Prudential.
: Having sucked money into whole and variable, I regret investing a penny into
: them.
: Cash value is a sales gimmick, if you withdraw, the money will be deducted
: from your death benefits. When I bought my insurance, I was under the
: illusions that I had death benefit in addition to cash value. Unless you
: have 5mm+ estate and want to avoid
: estate tax, whole life is a poor choice for investment.
: Variable's return rate seems attractive, but the hefty fees basically swipe
|
x****o
发帖数: 29677 | 17
into
swipe
当然从你benefit里减了，整个保险benefit是CV+死亡总合，年轻时cv少，死亡保险多
，上年纪了cv增大，死亡保险减少，最后大部分是CV，一小点是保险，这样你不用上税
而已，最后结果就是简单beat通货膨胀罢了。否则你年轻和年老怎么可能交的保险金额
一样
【在 d*****j 的大作中提到】
: I have whole life from Mass Mutual, Variable from AXA and Term insurance
: from Prudential.
: Having sucked money into whole and variable, I regret investing a penny into
: them.
: Cash value is a sales gimmick, if you withdraw, the money will be deducted
: from your death benefits. When I bought my insurance, I was under the
: illusions that I had death benefit in addition to cash value. Unless you
: have 5mm+ estate and want to avoid
: estate tax, whole life is a poor choice for investment.
: Variable's return rate seems attractive, but the hefty fees basically swipe
|
b********j
发帖数: 109 | 18 现在没钱，打算先买个二十年的 term; 但还是有点犹豫。
好像若是whole， 当老了得绝症（癌症什么的），钱是可以提前取出来治病。老了（50
岁）以后买Term是不是非常贵？ |
Z*****l
发帖数: 14069 | 19 刚想出来说俺乡下人没有，突然想起来好像公司政策是有的。
【在 n****8 的大作中提到】
: 你没有Life insurance吗？ 乡下人？
|
b********j
发帖数: 109 | 20 刚做了个quote, 十年的term 很便宜啊，50万的policy一年才一百多。买一个给家人一
个安心。公司才三倍年薪的group term, 少了点啊。
年轻的时候单买term 的另一个好处是可以随时convert，不用重新体检，按买的时候身
体状况。 |
r****r
发帖数: 1693 | 21 未来可以Convert成wholelife不用二次体检的term好像比单纯的term要贵。
【在 b********j 的大作中提到】
: 刚做了个quote, 十年的term 很便宜啊，50万的policy一年才一百多。买一个给家人一
: 个安心。公司才三倍年薪的group term, 少了点啊。
: 年轻的时候单买term 的另一个好处是可以随时convert，不用重新体检，按买的时候身
: 体状况。
|
