s*******i
发帖数: 79 | 1 请问有朋友听说过或买过 WealthMax Bonus Life Insurance 吗？
朋友让我做这个。但是听上去too good to be true啊！好处如下：
1. 12% 的开户奖励；账户一开，你资金到账的同时这个12%也到你账了。
2. 固定年利率是4.2％ ＋ 浮动Index rate 12.5%(1-yr point-to-point: 8.5% + 1-
yr monthly cap: 4.0%)
3. 任何收益不用交税。
4. 半年还是一年以后可以贷款出来再去开一个账户，再拿一个12%开户奖励。贷款费用
只有2%。
5. 一年后每年可以取5%，没有任何费用。
6. 还有其他的，比如无需体检，办理容易；生病了可以用这笔钱，没有任何费用；继
承人不用交任何税等等。
限制是：50岁以上，美国公民或绿卡。但是朋友说如果没有绿卡可以建一个trust。然
后这个trust委托有绿卡或公民的子女来买。国内的人也可以这样买。然后子女继承都
不用交税了。听完了，我第一感觉就是美国人也很会钻空子啊！
大家帮忙看看这个有的做吗？谢谢啦 | r****m
发帖数: 1204 | 2 Here is my view - I think this is a Bad idea, at least for most people, for
2 key reasons:
1. A single premium life insurance is a MEC, which means even you take a
policy loan (not withdrawals), you will have to pay income tax. (Most cash
value insurance's big selling point is you can borrow money later in
retirement time without tax consequence, a MEC makes that benefit gone!)
2. You got the key benefit part wrong (your point 2 is completely wrong,
please check with your friend for details). There are other IUL products
with better benefits than this one.
If your friend who bought it and regretted it now, there is a law firm
investigating this issue now, contact the lawyers below -
https://cfktriallawyers.wordpress.com/2014/10/16/wealthmax-bonus-life-a-
single-premium-universal-life-insurance-policy-indexed-to-the-s-p-500-index/ | s*******i
发帖数: 79 | 3 Thank you so much for your help! 我就说嘛怎么会有这么好的事！
for
cash
【在 r****m 的大作中提到】
: Here is my view - I think this is a Bad idea, at least for most people, for
: 2 key reasons:
: 1. A single premium life insurance is a MEC, which means even you take a
: policy loan (not withdrawals), you will have to pay income tax. (Most cash
: value insurance's big selling point is you can borrow money later in
: retirement time without tax consequence, a MEC makes that benefit gone!)
: 2. You got the key benefit part wrong (your point 2 is completely wrong,
: please check with your friend for details). There are other IUL products
: with better benefits than this one.
: If your friend who bought it and regretted it now, there is a law firm
|
|
