什么LIFE INSURANCE是好的!!!
- 主题发起人 法兰"西多事"
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买保险的收益人得到保险遗产后可以不上税,但投资RRSP OR RESP到最后还不是一样要上税.
而且我现在是问买什么INSURANCE好,并不是买不买好.而且我也有投资RRSP啊,双重保障啊!!!TERM OR WHOLE LIFE 价钱不在考虑范围内,因为年轻都差不多,之前COMPARE了多家公司.现在最主要问题是在于买后的问题!!!因为听说某些WHOLE LIFE OR UNIVERSAL INSURANCE买几年后会涨价?但买TERM30 年后在续还是一样涨......唉,要怎么办呢?????
现在本人想法是买个INSURANCE可以保障家人有可以留一笔钱给小孩当我死后,但有不希望买后10年会突然告诉我价钱涨了几倍,如果供不下去就作废了,希望一直都是一样的价钱......
而且我现在是问买什么INSURANCE好,并不是买不买好.而且我也有投资RRSP啊,双重保障啊!!!TERM OR WHOLE LIFE 价钱不在考虑范围内,因为年轻都差不多,之前COMPARE了多家公司.现在最主要问题是在于买后的问题!!!因为听说某些WHOLE LIFE OR UNIVERSAL INSURANCE买几年后会涨价?但买TERM30 年后在续还是一样涨......唉,要怎么办呢?????
现在本人想法是买个INSURANCE可以保障家人有可以留一笔钱给小孩当我死后,但有不希望买后10年会突然告诉我价钱涨了几倍,如果供不下去就作废了,希望一直都是一样的价钱......
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上当的有两种人。
一类是蠢，
另一类是贪。
一类是蠢，
另一类是贪。
cfhk
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Before you buy insurance, just ask yourself a simple question:
"Why do I buy insurance for?"
Most of the reasons include:
- buy insurance to cover most of the expense for the family after your death
- buy insurance so that your family do not need to sell their house due to income loss
When you reach 75 years old, you also need to ask yourself the following questions:
- Do I have enough savings at the age of 75 years old?
- Do you expect that your children should be self-sufficient when you are 75 years old?
If not, you need to think about what you are doing now? You may need to take some course about financial planning or retirement planning.
If your children still rely on you when you are 75 years old, you also need to think about your parenting methods? Your children should have been married and should have been on the right track. They don't need your money to survive.
One of my friends is 60 years old. He only bought term insurance when his children were young (i.e., when his children are not self-sufficient yet). All his children now are doing very well. He doesn't need any insurance and has stopped paying insurance. He told me that he only paid about few thousand dollars for the cheapest insurance (term gives your more coverage and lowest premium) to cover his needs. The money should be invested somewhere else.
Again, our accountant keeps telling us "insurance is insurance. investment is investment. Don't mix the two together."
"Why do I buy insurance for?"
Most of the reasons include:
- buy insurance to cover most of the expense for the family after your death
- buy insurance so that your family do not need to sell their house due to income loss
When you reach 75 years old, you also need to ask yourself the following questions:
- Do I have enough savings at the age of 75 years old?
- Do you expect that your children should be self-sufficient when you are 75 years old?
If not, you need to think about what you are doing now? You may need to take some course about financial planning or retirement planning.
If your children still rely on you when you are 75 years old, you also need to think about your parenting methods? Your children should have been married and should have been on the right track. They don't need your money to survive.
One of my friends is 60 years old. He only bought term insurance when his children were young (i.e., when his children are not self-sufficient yet). All his children now are doing very well. He doesn't need any insurance and has stopped paying insurance. He told me that he only paid about few thousand dollars for the cheapest insurance (term gives your more coverage and lowest premium) to cover his needs. The money should be invested somewhere else.
Again, our accountant keeps telling us "insurance is insurance. investment is investment. Don't mix the two together."
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Re: Re: 什么LIFE INSURANCE是好的!!!
