p***f
发帖数: 43 | 1 Cash value 如果告诉你不是你的钱，我估计你就不会买了 |
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m*****a
发帖数: 1158 | 2 cash value的确不是你的钱
但是你可以用 |
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c**********0
发帖数: 624 | 3 cash value life insurance 的确从纯经济利益角度来说不适合很多家庭， 有些人钱
太多tax的角度有需要可以shelter income.
如果你能够commit 的长期投资 term, 应该是更好。
你自己可以做simulation 看看 |
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n****n
发帖数: 568 | 4 这个一般的要保一个million的每个月的premium一般是啥范围？ |
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r****m
发帖数: 1204 | 5 我的建议:
1. 如果开了一年以内的, damage control - 直接 cancel.
2. 否则, 降低保额, 只付 minimum. As soon as no surrender, 赶紧关掉. |
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x****o
发帖数: 29677 | 6
保险是１比５左右，你要１００万，至少要２０万的投入，如果十年期限放完，就是每
年放２万，每个月放２０００ |
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x****o
发帖数: 29677 | 7
dies
你自己去算下
如果你的CASH VALUE增长部分足够COVER你的保费，你拿钱不影响
如果你的CASH VALUE增长不足够COVER你的保费，你的CV就会缩水，当CV没钱了，你就
要放钱交保费
并且随着年龄增大，如果你选择的是DB＋CV＝定值的，你的保费并不会明显增加
所以你笼统的说拿CV，premium就会增加是不准确的
另外你说的第一种情况，也是你不了解保险具体品种，你说的是DV＋CV＝定值，因为年
纪增大，人的保险费用会增加，所以有一种产品是随着年纪增大，你的CV积攒的多，而
DB在减少，这样你每个月付的保险费用不会显注增加。这种产品是你死了，DB＋CV
而你所谓的DB不减少是基于传统保险类型的设计，也就是DB是定值，这种情况，你拿了
CV，DB是不会变化的，你死了，DB是定值 |
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x****o
发帖数: 29677 | 8
具体家庭不一样是差别很大，不过如果买了，而且要确定保留
能放尽量放到guaranteed |
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x****o
发帖数: 29677 | 9
很难连续搞几年，因为每个保险公司都会核查你之前的历史记录 |
|
|
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r****9
发帖数: 4961 | 12 我的想法是term过期之后一般都是孩子大学上完了，自己已经五六十岁了，应该有一定
的的财富积
累（401k, 储蓄，房子之类的），多数人都不需要life insurance这种东西了，有足够
多的钱配偶养老，孩子已经自立了，死了就死了。
据说UL前期退保的话损失很多fee, 用这个方法增加申请奖学金不知道是否值当。希望
高人点评一下。 |
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x****o
发帖数: 29677 | 13
一般两个月的cancel期限，写在明文规定的，还点评什么，这有多少人买过保险，又有
多少人认真研究过？
至于你说的401k，那个就是government pension而已，想宰你无论政府还是市场都可以
，还不如roth |
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r****9
发帖数: 4961 | 14 每年申请奖学金之前把钱转到UL里面，交了表之后取消UL？连续搞个4-8年，之到孩子
大学读完？
行得通吗？
至于401k vs roth这个东西是另外的问题。就不在这个帖子里面讨论了。 |
|
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p***f
发帖数: 43 | 16 Cash value 如果告诉你不是你的钱，我估计你就不会买了 |
|
m*****a
发帖数: 1158 | 17 cash value的确不是你的钱
但是你可以用 |
|
c**********0
发帖数: 624 | 18 cash value life insurance 的确从纯经济利益角度来说不适合很多家庭， 有些人钱
太多tax的角度有需要可以shelter income.
如果你能够commit 的长期投资 term, 应该是更好。
你自己可以做simulation 看看 |
|
n****n
发帖数: 568 | 19 这个一般的要保一个million的每个月的premium一般是啥范围？ |
|
r****m
发帖数: 1204 | 20 我的建议:
1. 如果开了一年以内的, damage control - 直接 cancel.
2. 否则, 降低保额, 只付 minimum. As soon as no surrender, 赶紧关掉. |
|
x****o
发帖数: 29677 | 21
保险是１比５左右，你要１００万，至少要２０万的投入，如果十年期限放完，就是每
年放２万，每个月放２０００ |
|
x****o
发帖数: 29677 | 22
dies
你自己去算下
如果你的CASH VALUE增长部分足够COVER你的保费，你拿钱不影响
如果你的CASH VALUE增长不足够COVER你的保费，你的CV就会缩水，当CV没钱了，你就
要放钱交保费
并且随着年龄增大，如果你选择的是DB＋CV＝定值的，你的保费并不会明显增加
所以你笼统的说拿CV，premium就会增加是不准确的
另外你说的第一种情况，也是你不了解保险具体品种，你说的是DV＋CV＝定值，因为年
纪增大，人的保险费用会增加，所以有一种产品是随着年纪增大，你的CV积攒的多，而
DB在减少，这样你每个月付的保险费用不会显注增加。这种产品是你死了，DB＋CV
而你所谓的DB不减少是基于传统保险类型的设计，也就是DB是定值，这种情况，你拿了
CV，DB是不会变化的，你死了，DB是定值 |
|
x****o
发帖数: 29677 | 23
具体家庭不一样是差别很大，不过如果买了，而且要确定保留
能放尽量放到guaranteed |
|
x****o
发帖数: 29677 | 24
很难连续搞几年，因为每个保险公司都会核查你之前的历史记录 |
|
|
|
l*****n
发帖数: 199 | 27
something
谢谢redsim大神在小弟帖子的各种回复，我本人肯定不会买GIUL之类的产品。
但是我觉得给那些灰色收入很多的中国人，比如开餐馆的，GIUL还是蛮适合他们的，因
为他们本来只能把钱放在保险箱里，现在可以放到保险里，至少是份投资，而且政府也
查不到这块。不知道你同不同意我的意见？ |
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|
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i****e
发帖数: 157 | 30 多谢redsim,我觉得你的计算make sense
如果从投资角度来看,能谈谈你对annuity的看法吗?
比如一些hybrid annuity等等,谢谢!
for
%
back |
|
r****m
发帖数: 1204 | 31 Here is my view on annuity:
1. The only one that most people really need is Immediate annuity.
It's just like Term life, it's not a if you need it or not, it is a must,
for people enter into retirement phase, in order to hedge longevity risk.
2. Here is how you do it - when you are ready to retire, when you leave your
last employer (after age 55, ideally after 59.5), you take a portion of
your 401K and rollover it to an immediate annuity product, and enjoy your
retirement time.
3. If you retire ... 阅读全帖 |
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r****m
发帖数: 1204 | 32 iceeve, 对不起, 没注意你提问的是从投资角度谈对annuity的看法. 现在稍微说一下:
Generally, there is NO need to pay 1.5%-2% to insurance company so they can
create an investment opportunity for you, you can get it done by yourself
and already 1.5%-2% ahead!
The principle is to avoid the accumulation phase, that's why I recommend
immediate annuity.
However, if you are quite conservative, you can consider fixed annuity (
maybe equity index annuity) which is less expensive than Variable Annuity,
but you need to shop around, becau... 阅读全帖 |
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i****e
发帖数: 157 | 33 resim, thank you for your answer.
Questions for your item 3:
(1)how do you think fixed annuity and hybrid annuity? Which one is better?
(2)do you think whether it's a good idea to start annuity a little earlier,
say ~age 45, to use this as a relative safe investment compare with
investing in stock/fund/bond etc.
your |
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r****m
发帖数: 1204 | 34 1) Not directly comparable, it depends on your risk tolerance and objectives
. Right now is not a good environment to consider fixed annuity (unless you
are well into your retirement and have to consider annuity). If you are
really conservative, all your money is on CD or Money market, maybe you can
consider a hybrid annuity, at least you are participating the market.
2) I am not a big fan to start annuity early, because it doesn't make sense
to pay the insurance company 1.5%-2% annually so you ... 阅读全帖 |
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i****e
发帖数: 157 | 35 Thanks, redsim.
From diversification point of view, if I have already put some money in high
risk stock market for gambling, some money in index for long term growth,
and still have a little left, then what I can think of is to put the left
money in CD or saving account. My question is: can I use some sorts of
hybrid annuity products to replace CD/saving account, as a relatively
flexible and conservative investment tool.
The reason I mentioned hybrid annuity, because my understanding about hybri... 阅读全帖 |
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r****m
发帖数: 1204 | 36 iceeve -
1) It seems to me you are thinking about where to put your emergency fund?
If yes, then obviously annuity is not a good place due to liquidity.
If not, then I wonder what objective you are trying to achieve thru this "
extra" money? If it's for longer term use, why not just put it with your
existing index investment? If it's not for longer term use, the obviously
annuity doesn't fit your purpose either, because annuity is really for
retirement use.
So, you can see, I am lost at your pur... 阅读全帖 |
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p******g
发帖数: 15 | 37 Usually the commission is 100% of first year's premiums. so if you are being
sold a 10-pay policy, the commission rate is 10%. 10-pay is more common
these days. Note if it's less than 7-pay, the policy becomes MEC(Modified
Endowment Contract), and loses tax advantage. On top of the commission rate,
you probably have very high expense ratios too.
to illustrate, today's premium for s&p index ATM/5%OTM call put spread 3
month option is about 2%. to fully participate in the market, you need to
have ... 阅读全帖 |
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r****m
发帖数: 1204 | 38 Yes. That's why you need to seek highly rated insurers for any life
insurance products (although that means premiums won't be cheap). |
|
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y****i
发帖数: 778 | 40 Right, if you use MXLMX, Dec 98-Dec 13 total return is 260%. The ultimate
return for fixed income is based on the yield, but Fed pumps every asset to
a new high level which nobody knows what's next. |
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i****e
发帖数: 157 | 41 pandabig,
Could you comment a little more about "there are better cheaper alternatives"
Thanks.
,
and
risk |
|
r****m
发帖数: 1204 | 42
Yes, when I do the comparisons, I always use DCA for Term+Index, which you
know any market downturn actually becomes a great opportunity! |
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S**C
发帖数: 2964 | 43 PIMCO StocksPLUS series acutally do just that: invest in S&P 500 Index
derivatives, backed by a portfolio of Fixed Income Instruments. I am not
aware any other fund companies do similar things.
Navigate PIMCO funds is really a big headache.
,
and
risk |
|
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r****m
发帖数: 1204 | 45
不就IUL 或 Variable Annuity吗, 您就明说得了.
别忘了参考一下我的贴子, 并请指正. |
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r****m
发帖数: 1204 | 46 这个就是臭名昭著的IUL， 多做点research吧。 |
|
r****m
发帖数: 1204 | 47 这个就是臭名昭著的IUL， 多做点research吧。 |
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r****m
发帖数: 1204 | 48 血的教训啊， 买之前怎么没到本版来考古一下了？
VUL 和 IUL 都是臭名昭著的坑你没商量的，我觉得你现在一个现实的方法是跟保险公
司联系最大程度的降低保额，这样那几千死钱可以多发挥点作用。 |
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D******6
发帖数: 841 | 49 多谢几位高手指点，本人的这个玩意儿既不是VUL，也不是IUL，而是WRL，求继续指点
！ |
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r****m
发帖数: 1204 | 50
同学， 你这个糊涂看来不是一点点：WRL 是个公司， VUL/IUL 是产品。 考古本版吧
， 呵呵。 |
|
