p*r 发帖数: 548 | 1 版上讨论IUL的很多。但几乎没人提及GUL(Guaranteed Universal Life)。有谁熟悉
给评论一下? |
g*****g 发帖数: 34805 | |
m*********y 发帖数: 1890 | 3 不要换着法儿 给别人送钱了.
【在 p*r 的大作中提到】 : 版上讨论IUL的很多。但几乎没人提及GUL(Guaranteed Universal Life)。有谁熟悉 : 给评论一下?
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p*r 发帖数: 548 | 4 展开说说?
如果每年交$10K,连交10年。然后就有Guaranteed death benefit $1M。好像挺合算的
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r****m 发帖数: 1204 | 5 Like everything else, GUL has its suitable market.
It has modest GUARANTEED return (you can calculate the IRR by yourself based
on premium and guaranteed death benefit). After considering tax effect,
the return could be quite impressive given the guaranteed feature, and
probably better than the return lots of people could get by investing the
money in stocks themselves!
It has drawbacks too, most significantly, little to no cash value build up.
If you want a low cost "permanent" term life, I think it's a good option.
Make sure you buy the GUL with living benefits rider, so you can save on LTC
insurance when you are old. |
w***n 发帖数: 43 | |
p*r 发帖数: 548 | 7 这个prudential的GUL怎么样?
PruLife Universal Protector with BenefitAccess Rider:
Age IRR
70 7.5%
80 5.5%
90 4.3%
【在 w***n 的大作中提到】 : 相当于终身term insurance.
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r****m 发帖数: 1204 | 8 在benefits和其他主要指标都都一样的情况下,GUL就是比premium了, 这个不是最好
的。 |
p*r 发帖数: 548 | 9 谢谢 redsim 大神。有什么好的 GUL 推荐?
【在 r****m 的大作中提到】 : 在benefits和其他主要指标都都一样的情况下,GUL就是比premium了, 这个不是最好 : 的。
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r****m 发帖数: 1204 | 10 不是大神,只不过帮你看了一下。 让你的agent多做点homework即可, |