x****o
发帖数: 29677 | 1
TRANSAMERICA和WFG是一家
VUL是险种,这都混? |
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j****y
发帖数: 1714 | 3 term life insurance. Period. |
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j****y
发帖数: 1714 | 7 term life insurance. Period. |
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n**r
发帖数: 67 | 10 这个真的是得考虑自己的情况。
一般来说，你当初投保的目的会在20年后不存在。可是，想像一下二十年后，没有什么
负担了，手头也是有很多积累了，但是明天你给家人的保护就什么都没了，到时可能也
不是很舒服。
我是买了term和whole life的组合。UL感觉不是很好。 |
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o****w
发帖数: 1800 | 11 我准备买term 和whole life的组合.
对于一般工薪家庭, whole life的投资意义并不大,虽然保险公司会提供guaranteed
return plus non-guaranteed dividend,但是每年credit到你保险帐上的value并不是
你存进的钱, 中间是要打很大的折扣的, 只有长期存款, 才能体现一定的投资收益. 所
以,从投资目的, whole life并不大.
不过,我们目前也没有做其他投资, 还考虑到它额外的人身保险意义,就选择一个中等额
度的whole life, 外加一个30年的term . |
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r****5
发帖数: 618 | 12 You look like a agent but do not know which plan you are doing. Tell me your
product. |
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s********n
发帖数: 1962 | 15 如果你主要都是W-2收入，想省税很难。基本上，你需要开公司 spending 然后 claim
deduction. 否则基本无解。
你可以考虑投资 VUL/IUL，是省税的方法之一。 |
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r****m
发帖数: 1204 | 16 好象跑题了吧, 呵呵.
不过既然说到从保险里"拿钱"出来, 这是个我最近刚在IUL thread 里着重谈到的一个
话题, 我想讲几点看法供大家参考:
1. "Borrow money" from life insurance vs. "borrow money" from "401k" account.
Both borrowing will have consequence on your account's cash value build up,
but "borrow money" from life insurance has two bad consequences most
consumers aren't aware of:
a) Your insurance premium will go up (from this sense, this borrowing is NOT
free).
b) If you die during the period, your borrowed amount will be deducted from
life insurance... 阅读全帖 |
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J****D
发帖数: 63 | 17 Don't buy whole life, the interest return is miserable. Permanent life
insurance is designed for relatively rich people. If you don't have a lot of
money, max your 403b for sure because the money you grow in 403b will be
tax deferred. If you do have extra money, I do suggest you buy IUL insurance
. The growth in the cash value account is locked to an index such as S&P500.
To buy and quote your life insurance policies, you can go to Life Insurance
Clinic, www.infurancesmd.com. |
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s********n
发帖数: 1962 | 18 sp500 的年分红率大约2%，每年 long term capital gain and dividend
tax rate 现在应该在20%吧。(correct me if I am wrong.)
都算进去再比一次看吧。 |
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s********n
发帖数: 1962 | 19 简单来说，直接投资SP500，假设指数增长7.5%的话，你的年投资收益率是
7.5%+2%*(1-20%)=9.1%
compound 到四十年后，一次性取出，再付 long term capital gain
tax 20%。 |
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x****o
发帖数: 29677 | 20
你这是假设一直上涨
事实上假设指数今年跌10%,明年涨10%,不算分红,你是亏钱的
并且买了什么东西40年不卖很难说
另外40年后long term capital gain tax 20%? 我觉得至少得40%, 看法国等欧洲国家,
抢劫富人没商量 |
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x****o
发帖数: 29677 | 21
那个算式是假设每年指数增长7.5%,持续40年 |
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s********n
发帖数: 1962 | 22 当然我那只是一个最简单的计算。
实际上只能算个概率分布了，有兴趣的自己用 monte carlo 方法编个小程序自己
搞搞，也很容易。
但是如果你就用SP500过去二十年或者三十年的数据，算一下是buy and hold的
return和每年[0%-12%]的 floor/ceiling 下来的return，我猜两者差距之大可能
会surprise你的-- 前者超出太多了。
家, |
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x****o
发帖数: 29677 | 23
S&P500来说,过去20年,每年年终CLOSE
1992 dec 31 close 435.71
1993 dec 31 close 466.45
1994 dec 31 close 459.27
1995 dec 31 close 615.93
1996 dec 31 close 740.74
1997 dec 31 close 970.43
1998 dec 31 close 1,229.23
1999 dec 31 close 1,469.25
2000 dec 31 close 1,320.28
2001 dec 31 close 1,148.08
2002 dec 31 close 879.82
2003 dec 31 close 1,111.92
2004 dec 31 close 1,211.92
2005 dec 31 close 1,248.29
2006 dec 31 close 1,418.30
2007 dec 31 close 1,468.36
2008 dec 31 close 903.... 阅读全帖 |
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s********n
发帖数: 1962 | 24 I don't get what you are trying to say. |
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l*********u
发帖数: 19053 | 25 UL的投资部分，就是个＂不知不定MER但极高＂的fund。
买过UL，买时说＂divident跟s＆p５００＂，实际根本没有。。。premium交完后，那
年s＆p５００涨１０％，UL divident才４。X％。。。打电话问agent，agent再问公
司，也没个准确回答。。。
俺从此只交premuim，额外的＂投资部分＂再不交了。 |
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l*********u
发帖数: 19053 | 28 Sun Life
估计各公司universal life全坑爹。 |
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i******e
发帖数: 1720 | 29 你的agent有没有跟你讲清楚怎么个跟法？ “跟”不一定是100%跟，可能是 0.5X，可
能是 1.5X. 应该跟他要具体公式才不会被误导。 |
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h*x
发帖数: 207 | 30 S&P 500 pays dividend, so you get the same dividend amount that S&P pays
Does your UL follow S&P to go up or not? I guess you don't know that. |
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d*g
发帖数: 62 | 31 那这样远不好term便宜啊
为啥不干脆停了算了？因为它的premium不低吧，因为它的cost高啊 |
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S**C
发帖数: 2964 | 32 Not the same, but you can draw some similarity to a Equity-Indexed Annuity,
which M* today had a nice article, and it comments section has some good
info too.
Basically, what likely to happen are
1) dividend not included. Historically dividend contribute 50% of total
return
2) Seller is not a fiduciary, he or she isn't required to ensure that any
recommendations are the best options for their clients, but simply that they
're suitable for them based on their knowledge of the clients' circumstanc... 阅读全帖 |
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d*****e
发帖数: 38 | 33 请教一下，agent向我推荐Pacific Life Insurance Company和Hartford Life and
Annuity Insurance Company的term insurance and IUL。我查了一下ambest的rating
，两家好像都还不错，Pacific Life尤其好。不知有没有谁买过这两家的insurance产
品，感觉怎么样啊？谢谢分享。 |
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S*******s
发帖数: 10098 | 34 I know that is a solid company however when it comes to learning things
about the IUL, you could ask your agent to run illustrations based on humble
assumptions such as 2% return etc. not only the 7.5% return.
Hartford has great products like selected mutual funds.
One of my previous client put their firm's 401k plan with Hartford and I
used to monitor the plan.
rating |
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z*****a
发帖数: 3809 | 35 For investing yourself, the 35% tax assumption is too high. With a buy and
hold investment strategy, you only pay taxes on dividends while holding the
investment and long term capital gains when you sell. Of course, if you
invest through a Roth IRA, there are no taxes at all (on dividends or gains).
67 |
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l******g
发帖数: 6771 | 37 当然对保险业的人来说，确实是不错，越复杂也越有可能忽悠，吃饭嘛，可以理解
很多金融产品的设计理念都一样，所谓浑水摸鱼，呵呵
long |
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l******r
发帖数: 1642 | 38 这种自问自答的99%都是托
理他们浪费时间
★ 发自iPhone App: ChineseWeb 7.8 |
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l******g
发帖数: 6771 | 39 嗯，年纪大了，回复一下以后方便查找，不然记不住哪几个是托，嘿嘿 |
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r****m
发帖数: 1204 | 40 If you keep it for 30 years, your loss will be FAR BIGGER than the 2 months'
money. Just treat it as a price paid for a lesson. Sorry. |
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c**********0
发帖数: 624 | 42 I do totally Agree with the comments.
Just add several points:
1. Life insurance needs is to cover your future income inflow. If you
retired, as said, you can self insure with some liquid assets if you do not
have any estate taxes (Net worth over 5.25 million). And always, give out
your personal information such as age, goal before this kind of posting.
Some products may fit you. So the whole perspective of treating an insurance
product as an investment is wrong.
2. Any cash value product is cov... 阅读全帖 |
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r****m
发帖数: 1204 | 43 "长期（>20 年）是非常好的"
看到这, Term+Index investing 笑了. |
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r****m
发帖数: 1204 | 45 "IUL还有避税和财产保护功能"
To evaluate any financial product, one should not just look at the benefits,
or the costs alone, instead, one should to focus on the bottom line (
benefits - costs). |
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r****m
发帖数: 1204 | 46 I recommend you comparing the following 3 options:
1. IUL with LTC rider
2. Term + DCA in index ETF, and add standalone LTC at age 55-60
3. Term + DCA in index ETF, and add MoneyGuard at ~ age 60
In terms of final cash values, 3 is better than 2, and 2 is better than 1. |
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r****9
发帖数: 4961 | 47 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 | 48
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 | 49 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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