B****n
发帖数: 1876 | 1 【 以下文字转载自 NewYork 讨论区 】
发信人: Bergen (新州老流氓), 信区: NewYork
标 题: Life insurance大家都买哪种？
发信站: BBS 未名空间站 (Mon Feb 14 14:51:36 2011, 美东)
不知道该选哪一类的。
有term的
还有有投资价值的。
有人向我推荐一种每年交4，5千的。交20年后，保证将来挂了拿50万。
term是每年交5百，交30年后，如果没挂，再往后挂了啥也没有。
算下来一共多交了6万多，但是将来（more than 30 years）挂了保证拿50万。
想打听打听大伙都是买的啥。 | c****o
发帖数: 32446 | | B****n
发帖数: 1876 | | h***b
发帖数: 1233 | 4 go w/ term!
ppl try to confuse you by mixing up Insurance & Investment. if you look
closely, cost of ins on those Whole Life program is way high. not worth it.
using return on investment to cover ins premium is merely sale pitch.
besides, you need ins when your "earning" power is high. in case something
happens, you have ins to cover you on lost earnings. when you're at
retirement, w/ or w/o ins doesn't make much diff...
i'm surprised no one offers Whole Life on auto ins... it's always term ins.
never has any investment involved... :p
【在 B****n 的大作中提到】
: 那看来就是买term的了
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