分红式人寿保险，有人有经验吗？
- 主题发起人 陨石
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- 2012-09-04
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*It is all BS-- -TLDR
Someone paid $10,000 per year for a death benefit of $200,000 + $200,000 for the Whole Life insurance. Respectfully assuming he accidentally died in the first year, his wife would get paid $400,000 for his death. We can't say "收益涨了"40 倍多, 巴菲特 + Munger "也做不到"。 That comparison is Apple Vs Orange. "投资是投资，保险是保险", differnt things.
Life insurance is a product. People pay a premium to buy and consume it, Although Universal or Whole Life has a small investment component in it, like EDO in the Whole Life Insurance (Screenshot below), it is still a life insurance at large. The death benefits are $200,000 + $200,000 (? confused)=$400,000 which won't change with the age growing. Hence, one should expect the "增长率" (inappropriate wording) to become lower or slower because the large amount ( $400,000) is fixed, and only two figures change. If $400,000 was taken out of the calculation and only calculated the other two, " 增长率" is good.
Assuming he did not buy the Whole Life insurance but invested all the premium he paid for the past 15 years at a reasonable average annual 5% return investment, he would get a total return of $236,104 ( calculation below). That was much less than the death benefit of $558,357. But don't forget that, to get this $558,357 from insurance, his loved ones have to attend his funnel.
Let's assume again one has another 45 years of good life to live with his wife. I don't know how his insurance broker tailored his premium payment terms. In general, Whole Life insurance requires continuously paying the premium until the insured person perishes. So he has to pay his life insurance premium for another 45 years. Let's say, he invests all the premiums for another 45 years. It can accrue at an investment of 5% return to a hefty $4,093,053 total in another 45 years (see calculation below).
What are his death benefits when he lives another 45 years? and how much premium has he paid for the life insurance In total? I'm sure his broker should have calculated it for him.
Note;
1)From the information in this post, the insurance premium is $7,310 per year and the investment portion is $2, 690 per year, Not sure how the premium payments were scheduled. The above is just an approximate calculation with some guesses. So it is not accurate and should not be taken seriously.
2) The investment components can be taken out either for the insurance premium payment or for dividend payment when it reaches a certain time.
3) Like everyone else, we all encountered life insurance questions when we came to this country. I did a bit of research and these are my simple understanding of life insurance.
4) I look forward to deeper comprehension and brighter insights on life insurance in this post.
Someone paid $10,000 per year for a death benefit of $200,000 + $200,000 for the Whole Life insurance. Respectfully assuming he accidentally died in the first year, his wife would get paid $400,000 for his death. We can't say "收益涨了"40 倍多, 巴菲特 + Munger "也做不到"。 That comparison is Apple Vs Orange. "投资是投资，保险是保险", differnt things.
Life insurance is a product. People pay a premium to buy and consume it, Although Universal or Whole Life has a small investment component in it, like EDO in the Whole Life Insurance (Screenshot below), it is still a life insurance at large. The death benefits are $200,000 + $200,000 (? confused)=$400,000 which won't change with the age growing. Hence, one should expect the "增长率" (inappropriate wording) to become lower or slower because the large amount ( $400,000) is fixed, and only two figures change. If $400,000 was taken out of the calculation and only calculated the other two, " 增长率" is good.
Assuming he did not buy the Whole Life insurance but invested all the premium he paid for the past 15 years at a reasonable average annual 5% return investment, he would get a total return of $236,104 ( calculation below). That was much less than the death benefit of $558,357. But don't forget that, to get this $558,357 from insurance, his loved ones have to attend his funnel.
Let's assume again one has another 45 years of good life to live with his wife. I don't know how his insurance broker tailored his premium payment terms. In general, Whole Life insurance requires continuously paying the premium until the insured person perishes. So he has to pay his life insurance premium for another 45 years. Let's say, he invests all the premiums for another 45 years. It can accrue at an investment of 5% return to a hefty $4,093,053 total in another 45 years (see calculation below).
What are his death benefits when he lives another 45 years? and how much premium has he paid for the life insurance In total? I'm sure his broker should have calculated it for him.
Note;
1)From the information in this post, the insurance premium is $7,310 per year and the investment portion is $2, 690 per year, Not sure how the premium payments were scheduled. The above is just an approximate calculation with some guesses. So it is not accurate and should not be taken seriously.
2) The investment components can be taken out either for the insurance premium payment or for dividend payment when it reaches a certain time.
3) Like everyone else, we all encountered life insurance questions when we came to this country. I did a bit of research and these are my simple understanding of life insurance.
4) I look forward to deeper comprehension and brighter insights on life insurance in this post.
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最后编辑:
这个就是CFC论坛的意义！比微信好多了
