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Investment版 - VUL = whole life?
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whole life insurance有什么pitfalls?这里有多少人买了life insurance?
WFG/VUL/Whole Life更有吸引力了20年100万的term价格?
[合集] 哪位说说EIUL?TERM OR WHOLE LIFE
问问massmutural公司买term还是IUL?
Life insurance 是不是已经有定论了有多少人买了Whole Life Insurance? (转载)
纽约人寿的保险有买的必要么?403b or life insurance
问一个AGLA Indexed Universal Life Insurance (转载)问个关于whole life insurance
请教一下 universal life insurance请教 whole life insurance,谢谢
相关话题的讨论汇总
话题: vul话题: life话题: whole话题: policy话题: market
进入Investment版参与讨论
1 (共1页)
b******l
发帖数: 261
1
大家给科普一下?
s********n
发帖数: 1962
2
不能自己 google 一下吗?

【在 b******l 的大作中提到】
: 大家给科普一下?
s***s
发帖数: 4329
3
VUL works towards the cash value accumulation through investment in
different investment funds, like- mutual funds. The word Variable in
Variable Universal Life captures the volatile nature of the stock market.
VUL allows the policy holder to invest his/her premium payment into the wide
variety of investment funds available in the market and reap the benefits
of the stock market. The VUL also offers flexibility in terms of premium
payment which is unlike the whole life plans. In case of ‘Whole Life Plan'
the policy holder is obliged to pay a fixed amount of premium on a regular
basis till the term of the policy, failing which will cease the death
benefit payable under the policy.
s***s
发帖数: 4329
4
Which policy to own? Well, it is very difficult to give a general verdict
when it comes to ul vs whole life. ‘Cut your coat according to your cloth'-
the old English saying applies in case of buying the life insurance policy
also. You should purchase the one which will suite your needs the best and
also your budget.
Whole life, VUL and EIUL, all of them have their own share of advantages and
disadvantages. VUL is more expensive than the Whole life plans.
Additionally, it also bears the risk of open market investments. On the
other hand, whole life plan is the most common form of permanent life
insurance. It stays into effect till the lifetime of the insured. It is also
pocket-friendly (at least cheaper than the other two forms of life policies
). It promises to pay a certain amount as death benefit but deprives you
from deriving the advantages of stock market investment.
b******l
发帖数: 261
5
多谢, ssucs.
本来以为WHOLE LIFE跟跟VUL一样是害人的东西. 看来我的理解有偏差.
s***s
发帖数: 4329
6
VUL这个产品本身并不是骗人的代名词,但是它真的不适合大多数人
打个比方
你去买车
你不知道你需要什么样的车
可能对普通大众来说,2,3万的FUSION就行了(相当于保险里的TERM)
但是邪恶的DEALER为了多赚钱,向你推销BMW(WHOLELIFE和UL)
甚至FERRARI(VUL)
并不是FERRARI这个产品本身有问题
而是它真的对大多数人来说不合适

【在 b******l 的大作中提到】
: 多谢, ssucs.
: 本来以为WHOLE LIFE跟跟VUL一样是害人的东西. 看来我的理解有偏差.

1 (共1页)
进入Investment版参与讨论
相关主题
请教 whole life insurance,谢谢Life insurance 是不是已经有定论了
求term life insurance agent纽约人寿的保险有买的必要么?
我是不是太激进了?问一个AGLA Indexed Universal Life Insurance (转载)
买WFG的whole life 可靠吗请教一下 universal life insurance
whole life insurance有什么pitfalls?这里有多少人买了life insurance?
WFG/VUL/Whole Life更有吸引力了20年100万的term价格?
[合集] 哪位说说EIUL?TERM OR WHOLE LIFE
问问massmutural公司买term还是IUL?
相关话题的讨论汇总
话题: vul话题: life话题: whole话题: policy话题: market