a****n
发帖数: 3082 | 1 朋友卖保险，说投资whole life保险的话，存8万到20年后取25万家人还有death
benefit
一次付清的话除了每月付的钱剩下的有4%的固定利息，我没有其他投资理财渠道，不知
道这个如何？ | r****m
发帖数: 1204 | 2 1) NY Whole Life is too expensive.
2) Single premium whole life would lead to tax concern when you take money
out of the policy later on, not recommended for most people. | a****n
发帖数: 3082 | 3 她说取出来没有税啊
【在 r****m 的大作中提到】
: 1) NY Whole Life is too expensive.
: 2) Single premium whole life would lead to tax concern when you take money
: out of the policy later on, not recommended for most people.
| r****m
发帖数: 1204 | 4 Google "single premium whole life taxation", you will see top of the page:
"Tax-Free Inheritance, Tax-Deferred Earnings. One of the best benefits of a
Single Premium Whole Life Insurance Policy is that the cash value
accumulations you earn on the policy are not taxable (unless they are
withdrawn). Plus, the death benefit paid to your beneficiary is completely
inheritance tax-free!"
While cash value accumulation is tax free as in all insurance and annuity
products, 注意 "unless they are withdrawn". That's why single premium is
not a good idea for most people. |
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