S*******s
发帖数: 10098 | 1 Selectquote的顾客review不好。
在网上买，你可能over insured，网上也没有人给你解释猫腻， 将来你实际付出的
Premium
可能比现在表面看见的要多得多。今天我team在分析一个女子的总资产和投资时，我就
看见其中2个旧的Term Insurance Policy table，就是属于这样的情况。上周another
case
里头有 Universal Life， 那也是我看到的另一种猫腻，我是反对这种的。
在网上买insurance, 将来一旦出事, 家人已经很stressful, 想要claim death
benefit的时候, 没有人在面前替你家人帮忙经手， 很麻烦， 有的保险公司
underwriting 和 claims 程序都难搞。
你提到的Selectquote代表的保险公司,一定去查查它们的rating 和 financial
strength，if not, 30年后恐怕倒闭， 没办法全保你的意外了。 |
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S*******s
发帖数: 10098 | 2 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。。。。。 |
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l******1
发帖数: 109 | 4 【 以下文字转载自 Money 讨论区 】
发信人: lpliu011 (louis), 信区: Money
标 题: 请教关于life insurance
发信站: BBS 未名空间站 (Thu Sep 13 13:57:54 2012, 美东)
也不知道该发到哪个版，就发到这里吧！
经常收到AAA的广告，以前一直没动心，但有了孩子后就有点动心了。
想请教大家AAA的这个rate怎么样？另外广告里面的意思好像是五年一档，过了那个年
龄rate就调到下一档，请问life insurance是这样的吗？
$ 200,000.00 of coverage
—Male Rates—
Age Non-Nicotine User Nicotine User
18-34 $21.99 $44.99
35-39 $23.99 $59.99
40-44 $34.99 $82.99
45-49 $49.99 $114.99
50-54 $77.99 $183.99
55-59 $117.99 $284.99
60-64 $179.99 $419.99
65-69 $312.99 $699.99... 阅读全帖 |
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y****i
发帖数: 778 | 5 Term life. Because whole life insurance is much more expensive than term
life insurance. 30 year, 500k$ for each person if you are double income.
After 30 year, your children will earn money by themselves. 25-30 is the
best time for 30 year term life. All whole life insurance is not worth the
extra premium, you should save and invest the extra money by yourself. |
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c**********0
发帖数: 624 | 7 Long term care insurance is really really expensive.
We had a case that family has $2M in net worth, and we only suggest half of
the necessary coverage for them.
As suggested, some rider in Life insurance can be a good alternative if you
have already get a cash value life insurance policy. |
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J****D
发帖数: 63 | 8 life insurance is generally guaranteed by state insurance bureau upto a
certain amount. If you're young, 40 per month sounds reasonable. You can get
quote at www.lifeinsurancesmd.com from different insurance companies. |
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J****D
发帖数: 63 | 9 life insurance is generally guaranteed by state insurance bureau upto a
certain amount. If you're young, 40 per month sounds reasonable. You can get
quote at www.lifeinsurancesmd.com from different insurance companies. |
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S*******s
发帖数: 10098 | 10 先回答关于quote保险价格的，然后再说说关于annuity的quote。
保险价格是由你的mortality来决定的，不管你去哪里买，都只有一个价：“你寿命/终
生收入值多少墙？” 因此你到网上去quote和到我这样的真人broker那里价格一模一样
，连系统里头出来的carrier 承保公司也一样。
不同的地方在于：真人broker比如我同事，他有30年的annuity 经验，另外一个有20年
的life insurance经验， 还有一个白头发的老帅哥， 60+岁， 对long-term care 最
擅长。 他们可以帮你从市场上找最好的产品，衡量/定制一些合适你年纪/形势的，符
合你投资目标的一个“量身裁制”的合同。
broker system里头有各个保险公司的模块， 可根据客户的年龄，吸烟开车习惯，病史
等来计算insurance premium payment, 最后由underwriter检查你的历史数据， 对你
评级。 因此，客户自己的状况决定his/her price.
这个概念完全颠覆了买钢琴和其他用品的概念。因为买钢琴大家可以到处折腾打听信息，
就可享受团购/批... 阅读全帖 |
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S**C
发帖数: 2964 | 11 There is no insurance company which runs a good equity heavy portfolio
besides BRK. That tell me something, whether they can or cannot run such a
portfolio doesn't matter, they do not have/need the expertise to do so.
Most of us who need to carry a life insurance policies are relatively young,
and need to have an equity heavy portfolio to meet our goals for retirement
, the insurance companies just do not have the expertise, so why invest with
them? And I do not need to go to the fees and all th... 阅读全帖 |
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c******6
发帖数: 163 | 12 LG单位已经有了group long term disability insurance，但到时只付相当于50%的工
资。现在有这个option，买MassMutual的Individual Disability Income (DI)
Insurance，每月出$44，到时可以再多拿30%。
不知道板上有没有人了解这种保险的？
另外，term life insurance那种比较好呢？记得以前看过讨论，但帖子找不到了。。
。 |
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r****m
发帖数: 1204 | 13 Rider means something not covered by the normal contract (the normal Term
contract is simple - when the insured dies, the insurer pays).
Some insurers offer 重大疾病、绝症和长期护理这样免费的riders, but these
firms' premiums are not cheap!
You get what you pay for! |
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r****m
发帖数: 1204 | 14 Rider means something not covered by the normal contract (the normal Term
contract is simple - when the insured dies, the insurer pays).
Some insurers offer 重大疾病、绝症和长期护理这样免费的riders, but these
firms' premiums are not cheap!
You get what you pay for! |
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n****y
发帖数: 656 | 15 考虑给家人购买term life insurance,请推荐比较好的insurance agent和insurance
plan. 本人在NYC，谢谢。 |
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g*****g
发帖数: 34805 | 16 My parents actually have whole life insurance, they bought it when I wasn't
old enough to figure out these things. And I've seen how these plan suck as
time goes by. That's called first hand experience over a decade.
And no, yours won't beat mine, not even close. I saved a bunch of dollars
for not having to buy life insurance after 60 and give a big cut to
insurance company, while my life expectance is
probably around 90.
if
something |
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k********0
发帖数: 20 | 17 I think Annuity is different animal. You have to pay tax on the gain so that
would be the last resort if you don't know how to invest and have no place
to invest.
Yes, insurance company can raise cost of insurance but not individually. If
they raise the overall cost of insurance then they will lose new business.
America is open and competitive, there is will be consequence if they raise
and not their competitor. |
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j******g
发帖数: 1098 | 18 公司的保险有如下选择。
Long-Term Disability 50% 是free的， 可以自己加钱买70%的coverage
life insurance 2x salary 也是free的， 可以自己加钱买更多coverage
AD&D 2x slary 也是free的， 可以自己加钱买更多coverage， 比
life insurance便宜而且AD&D 是 pre-tax的。
想请教一下
Long-Term Disability + AD&D 是不是已经能cover自己长期生病没法工作跟不小心挂
掉的两种情况？
如果是这样的话，那life insurance相对Long-Term Disability + AD&D 还有什么优势？ |
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r****m
发帖数: 1204 | 19 HSA funds can be used for the following insurance premium payments:
Long Term Care insurance premiums;
COBRA health insurance premiums;
Health care premiums paid while receiving unemployment compensation (
including premiums for spouse or dependents);
Medicare premium if you are age 65+ (but not premiums for Medicare
Supplemental policies). |
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m*********t
发帖数: 1250 | 20 雇主提供的一般是Group Life Insurance，你需要仔细去阅读具体的policy，但一般来
说最大的局限性就是一旦你跟公司解除了雇佣关系，这个Insurance就expire了。而且2
倍也完全不够cover，7倍那种不清楚，也要看看具体policy。网上有很多文章讲到底买
多少的insurance额度，有计算公式的，要综合考虑房贷、年龄、消费和子女教育等等因
素。
等你到了40、50岁离开公司里了，如果想再自己买私人的Term Life就会贵不少了。 |
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n**********d
发帖数: 195 | 21 depends if you have insurance or not. I think insurance is good just because
some times you got denied for insurance because of pre-existing conditions
if you buy it on your own. |
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E*******a
发帖数: 54 | 22 刚找到工作，对这些都不懂。老公单位的保险挺好的，cover 我们全家。是不是我可以
不买Amazon 家的heath insurance & dental insurance，光靠老公的就可以了？如果
以后老公lay off了什么的，我到那时再入Amazon的这些保险可以吗？听说他家的保险
又贵又差，工资很低，想省点钱。多谢各位大牛！ |
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j********r
发帖数: 129 | 23 Title insurance pays the insurees' lost if later you loses the house due to
title problem (like some one claims that the seller owned him 1 million and
the house was a repayment for the debt). If you lose the house and can't get
the money back, the insurance company will pay the lender the loaned amount
and pay you your down payment.
Most of lenders require you to buy title insurance for them. Yes you pay
that.
But the coverage for yourself is optional. So make sure the optional
coverage is sele |
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L*1
发帖数: 11537 | 24 We only have one, which covers both.
Find out what's covered in the first one. Is is the original load amount or
remaining loan amount? If original, probably you can get by without the
second (optional) one.
The reason for title insurance is that if somebody claims an interest on
your property, you do not loss anything. Anything can happen, although those
chances are remote. It would be safe not to buy title insurance in most
cases, just like health insurance. |
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g******s
发帖数: 141 | 25 买homeowner insurance, 应该用那个value？
1. bank appraisal的total estimate of cost new,
2. bank appraisal的depreciated cost，
3. sale price,
4. 还是 sale price 减去 site value?
另外，我的agent推荐用100,000/300,00 for auto insurance.不然其他人可以claim房
子如果损失超过了coverage.你们怎么看？
谢谢！ |
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M**6
发帖数: 308 | 26 我也不太懂，不过分享一下我前两天为了贷款找insurance quote的经历。我就狗了一
下how to get a hazard insurance quote，然后在最先跳出来的好像是
insurancefinder.com填了个request.十分钟之内，接到７，８个电话和邮件。然后你
比较一下吧。我也另外问我汽车保险的agent要了个quote，farmers的，虽然别家有更
低的，但他们给了２０％ off on auto insurance（不知道是一次性还是永久也。。
。）所以暂时报了他们家的，等close将近，还是可以改的。。。 |
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c***p
发帖数: 27645 | 27 You should buy condo insurance HO-6.
The premium depends on the value of your home and the coverage you want.
Check your local insurance agent.
I'm in CA. My friend just got one condo $600,000. His insurance is about $
700 per year. |
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V***r
发帖数: 78 | 28 3个月前买房，现在refinance。新的lender又要charge好几百块钱的title insurance
。可以用前一次申请mortgage时的title insurance吗？这个title insurance是一次性
的吗？ |
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b********3
发帖数: 994 | 29 买房时有两个title insurance，一个是borrower的，关于房子，一个是lender的关于
mortgage的。既然你要refinance，也就是意味着你买房子是的title insurance保的
mortgage要被payoff掉，那么新的一个loan肯定是需要有新的title insurance来保障
。 |
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s********t
发帖数: 32 | 30 We have a settlement next week and heard that the owner's title insurance
may cost $3000. We don't want to buy it, but have to buy the lender's title
insurance. Does everyone buy the owner's title insurance? Thanks a lot
for advices!!! |
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a****r
发帖数: 4965 | 31 我见的条款是付款达到房价的20%时，贷款人可以提出取消Mortgage Insurance。如果
不主动提出取消Mortgage Insurance，那要等22%（还是24%）的时候才会自动取消。
另外，FHA 30-year Loan 规定要交至少5年的 Mortgage Insurance。 |
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c******l
发帖数: 502 | 32 It's means home insurance. You can go ahead find a insurance agent you want
to go with, make a decision what kind of plan do you want, and give the
agent information to your broker. They will get the insurance binder for you
. |
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H****y
发帖数: 221 | 33 Do I have to go through title insuranc ecompany to get title insurance? Can
I buy my own just like home insurance or car insurance?
Also, how to negotiate the rate down? I can't use reissue as current owner
policy has passed the 10 year limit
Thanks |
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a****l
发帖数: 8211 | 34 If you money is so tight that title insurance (at most a few hundred dollars
) is a major issue, I would suggest you do not buy the house, or buy a less
expensive one.
Any insurance is protection against the uncertainty. Most probabily, and
this is the best case, you are throwing insurance money into water. Your
only concern is what if there is some problem. |
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g*****9
发帖数: 4125 | 35 Title insurance is indemnity insurance against financial loss from defects
in title to real property and from the invalidity or unenforceability of
mortgage liens. Title insurance is principally a product developed and sold
in the United States as a result of the comparative deficiency of the US
land records laws. It is meant to protect an owner's or a lender's financial
interest in real property against loss due to title defects, liens or other
matters. It will defend against a lawsuit attackin |
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e********t
发帖数: 9607 | 36 foreclosure一般都是limited warranty。
owner's title insurance就是保护你的，没什么buyer's title insurance。
还有一个lender's title insurance是保护贷款银行的。 |
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e********t
发帖数: 9607 | 37 我们这里title insurance是卖方出，而且必须要求他们买owner's insurance，光有
lender's insurance是不答应的。
of |
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j***4
发帖数: 176 | 38 贷款买房的时候大家都买了一年的home insurance,因为这是贷款银行强制要求的。一
年期满后大家都还继续买home insurance吗？是强制一定要保吗？贷款银行会不会要求
提供新的一年你买home insurance凭证？
有经验的童鞋请说说！谢谢 |
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g*****9
发帖数: 4125 | 39 Home insurance should be pretty cheap unless you made a lot of claims.
You should buy together with your car insurance to save money.
Some lender will let you self-insure if you can provide some written proof
surety-bond from your bank or bond company.
Since the insurace is so cheap, it is a much better deal than to let a large
sum of money sitting in the bank to get the bond. |
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z*****e
发帖数: 231 | 40 大家一般用的是哪个title insurance company? 我问了一下几个agent的价格，first
american 的title insurance 价格要2400多，old republic 的只要1900多，这个都是
re-issue的rate. 房子大概46万多。
可是我的agent说title insurance 的价格是统一的。 |
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BR
发帖数: 4151 | 41 我现在还是租房子，准备半年后买房子。现在问的原因是我在买汽车保险，代理要我同时买renter's insurance，说这样那个汽车保险也可以便宜点。还说买了renter's insurance 就开始积攒loyalty discount,以后转为homeowner's insurance 有 3% / year for 8 years for a total of a 25% discount.
不知道这个discount 到底值多少钱。 |
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A**L
发帖数: 23 | 42 Thanks for the information! The reason that I want to switch my homeowner
insurance to GEICO is also because I have the auto insurance with GEICO. I
was just curious how the service will be if I file claims to liberty Mutual
in the future as a GEICO customer. Hopefully it is going to be okay since
they both have good reputations.
Thanks again.
insurance
Later |
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I*********e
发帖数: 456 | 43 刚拿到TITLE COMPANY的价格，怎么会lender's title insurance & owner's title
insurance 都是我们付啊？加起来超过1300刀了。大家都付了这两个INSURANE了么？怎
么弄个TITLE都需要付这么多的INSURANCE啊，这些保险到底都能干什么？ |
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s******8
发帖数: 4192 | 44 名字可以查county record，一般网上就能查，或者看收到的property tax的信件。律
师至少应该把最后的文件的复印件给你。
如果你的HUD-1上有title insurance，那肯定买了。如果没有拿到policy document（
一般在close时或之后一两个星期内拿到），要问你的律师。如果律师不理你，到你的
州主管insurance的部门（比如bureau of insurance)投诉。
如果律师不好，找你的州的bar投诉。 |
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b*d
发帖数: 9308 | 45 Owner's insurance是Seller付的，Lender's insurance是Buyer付的。如果是
Refinance，就没有Owner's insurance。 |
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y****7
发帖数: 48 | 46 just got a letter said insurance company will not re-newal our policy due to
we did not response their request to fix: worn and stained roofs over the
front open porch and rear pation. we did not pay much attention to the
request as we thought the stain on roof is normal, almost all of the house
in our area got stain roof. so my quesiton is:
1. will this record stored somewhere that when we contact other insurance
and they can see the issue also.
2. will this affect the insurance like ticket aff |
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s**n
发帖数: 167 | 47 Lender's covers issues that may impact lender
So do as owner's. If someone put a $4000 lien on your house that needs you
to pay off, owner's insurance will kick in and help you on things like law
suit
But closing attorney already checked title history. People believes that the
chance for title insuarnce to kick in will be similiar as lightening strike
on house. That's why title insurance is one of the most profitable
insurances |
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s*******1
发帖数: 3820 | 48 HOA insurance $820/年
House insur $920/年
地产税 $8200/年
车insurance $1200/年 |
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d******n
发帖数: 2712 | 49 lender's title insurance是一定要买的，据说在买房的时候买owner's title
insurance是为了之后ref方便，似乎一开始没有买个这个保险，ref的时候要多些银子
。一个title公司的人给我解释过，不过，我就记得这么多了。ref的时候不会有owner'
s title insurance的。
应该说是borrower出这些钱。我还没见过seller出的呢，除非seller答应给credit。不
过，一般seller只是在房屋需要修缮时才会答应给的。不管是什么原因，seller's
credit都不能超过closing cost。否则，不符合Fannie Mea的规定，贷款无法批出。 |
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C*******d
发帖数: 15836 | 50 You don't need to repurchase owner's title insurance.
Bank needs to repurchase loaner's title insurance because the old one either
cover another bank or is not valid between your last finance and this one.
In either case this is reasonable, just think about your car insurance. |
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