K*Q
发帖数: 1001 | 1 http://www.guardingyourwealth.com/insurance/articles/Lifeinsura
Has a life insurance agent suggested that you buy ‘permanent’ insurance
such as Whole Life, Universal Life or Variable Universal Life? The reasons
they give seem so compelling, but are they in your best interest? Here’s an
explanation of the basics, plus what the insurance agent isn’t telling you!
There are two broad categories of life insurance—term and permanent. The
basic idea behind life insurance is that if you die prematurely, there will
be a pot of money there to take care of your loved ones. That pot of money
is referred to as the ‘death benefit’.
The cost of life insurance is based on your age, your gender and your health
. The insurance company bases the premium on the risk that you will die. The
older you are or the poorer your health, the more expensive the insurance
will be.
The ‘raw’ cost of insurance goes up every year because the risk of death
increases every year. Term and permanent insurance approach the payment plan
differently. With level term, these increases in cost are spread out over
10, 20 or 30 years and the premium is kept the same. If you renew your
policy at the end of the term, your insurance costs will increase.
With permanent insurance, your premium stays the same as long as you own the
insurance, up to age 100. That way, you shouldn’t be in a situation where
it becomes too expensive as you age. Initially you pay more than the raw
cost of insurance and that money is kept in reserve. Once the raw cost of
insurance is greater than your premium, the difference is taken from the
reserve.
The difference between Whole Life, Universal Life and Variable Universal
Life has to do with the return you earn on that money while it’s kept in
reserve. Whole and universal essentially pay interest while variable
universal allows you to ‘invest’ that reserve in mutual-fund-like accounts.
On the surface, it may seem that there shouldn’t be a lot of difference
between the premium on 20-year term and a universal policy with the same
death benefit. But let’s look at some real numbers. The annual premium for
a 45-year old man in excellent health for $1,000,000 in coverage is $1400
per year for 20-year term. That man would pay roughly $8,000 a year for
permanent insurance. That’s right—about $6600 more every year.
That reserve in the permanent insurance can become a substantial over time,
so they give you the ability to borrow the money held in reserve. This has
spawned the use of permanent insurance for needs other than the death
benefit, such as a way to build a retirement nest egg. The ‘ploy of the day
’ is that you should take all the equity out of your home and put it into a
universal life insurance policy because it will allow you to build your
wealth more quickly. (I expose the fallacy of that argument in a future
article.)
What your insurance agent isn’t going to tell you is that the commission on
permanent insurance can be around 70% of the first year premium and then
maybe 5% a year on additional premiums. Commissions on first year term
premiums can be as high as 100%. In our example above, the agent will make
about $5600 on permanent versus only $1400 on the term. This higher
commission is a tremendous incentive for agents to sell permanent insurance
instead of term.
The result is a huge conflict of interest between the needs of the client
and the desires of the agent. I would like to think that every agent will
always do what’s in the client’s best interest, but we know that’s not
the case. And most agents are convinced that term is a waste of money and
that permanent life insurance is the better choice. I don’t.
I believe that permanent life insurance should only be used in special
situations, such as to cover estate taxes due at death. I do not think it
should be used when you want to provide for your family in the event of a
premature death. I don’t think it should be used as a way to ‘build wealth
’ or as a type of retirement plan. In my next article, I’ll explain why.
Have a financial question? Go to http://www.guardingyourwealth.com and click on ‘Ask Jeff’.
In addition to being a nationally syndicated columnist and Certified
Financial Planning Practitioner, Mr. Voudrie provides personal, private
money management services to clients nationwide. | b******d
发帖数: 574 | 2 Bing的翻译器： ：）
寿险代理人建议你买保险永久
如整个生命、 宇宙的生活或变量普遍生活吗？原因
他们给看起来如此令人信服，但它们在您最感兴趣吗？这里是
解释的基础知识，加上该保险代理人不告诉你 ！
有的寿险两大类 — — 术语和常驻。"
寿险背后的基本想法是，如果你夭折，那里会
是一壶有钱来照顾你的亲人。那个锅的钱
被称为死亡利益 '。
人身保险的成本基于你的年龄，你的性别和你的健康
.保险公司根据你会死的风险溢价。"
旧你还是穷你的健康，更昂贵，保险
将。
因为原始的保险成本上升每年的死亡风险
每年都在增加。术语和永久保险办法付款计划
以不同的方式。水平而言，与这些增加的成本传播出去了
10、 20 或 30 年和保费是保持相同。如果您续订您
在任期结束时的政策，将会增加你的保险费用。
保持永久的保险，保费不变，只要您拥有
保险，至 100 岁。这样一来，你不应该在一种情况中，
它将成为你年龄太贵。您最初支付比原始
保险和那笔钱的成本是保留。一次的原始成本
保险大于您溢价，分别取自
储备。
整个生命、 宇宙的生活和通用变量之间的区别
人生有回报你挣的钱做，虽然它保留在
储备。整个与普遍实质上是支付利息时变量
通用允许您投资共同基金类似帐户中的储备。
表面上看，这似乎不会有太大的差异
20 年任期的保费与具有相同的通用策略
身故保障。但让我们看看一些真实的数据。每年保险费
一名 45 岁男子为 1,000,000 美元的覆盖范围非常健康是 1400 元
每年任期 20 年。那人将支付约 8,000 美元一年
永久保险。是的 — — 关于 6600 多每年。
在永久保险储备可以随着时间推移，成为大幅
所以他们给你借钱于储备的能力。这有
催生了永久保险以外死亡需要使用
得益，例如退休养老金的一种方法。' 一天的伎俩
' 你应该把你家出的所有股权和放
万能寿险保单因为它将允许您构建您
财富更快。（我揭露这个论据的谬误的未来
文章）。
保险代理人不要告诉你是委员会
永久保险可以约 70%的第一年保费，然后
可能有 5%一年额外保费。第一年任期的佣金
保费可高达 100%。在上述示例中，该代理将使
关于美元 5600 长俸制与一词仅 1400 元。这较高
委员会是一个巨大的激励卖永久保险代理
而不是术语。
其结果是需要在客户端之间巨大利益冲突
和代理的欲望。我想每个代理会
总是做什么是客户端的最佳利益，但我们知道这不是
案例。大多数代理确信词是浪费金钱和
永久人寿保险是更好的选择。我没有。
我相信，特别应仅使用永久人寿保险
情况下，如能涵盖房地产在死亡税由于。我不认为
你想为你的事件中的家庭提供时，应使用
过早死亡。认为不应被用作一种方法 ' 创造财富
' 或作为一种类型的退休计划。在我的下一篇文章，我会解释为什么。
有财政问题吗？转到 http://www.guardingyourwealth.com，点击 '问杰夫'。
除了要全国专栏作家和认证
财务规划的医生，Voudrie 先生提供了个人、 私营
全国范围内的客户资金管理服务。 | b******y
发帖数: 9224 | | s*********t
发帖数: 16647 | 4 我英文自认不差，但是这篇文章的reasoning我觉得没有讲清楚，看了还是糊涂
an
you!
will
【在 K*Q 的大作中提到】
: http://www.guardingyourwealth.com/insurance/articles/Lifeinsura
: Has a life insurance agent suggested that you buy ‘permanent’ insurance
: such as Whole Life, Universal Life or Variable Universal Life? The reasons
: they give seem so compelling, but are they in your best interest? Here’s an
: explanation of the basics, plus what the insurance agent isn’t telling you!
: There are two broad categories of life insurance—term and permanent. The
: basic idea behind life insurance is that if you die prematurely, there will
: be a pot of money there to take care of your loved ones. That pot of money
: is referred to as the ‘death benefit’.
: The cost of life insurance is based on your age, your gender and your health
|
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