什么LIFE INSURANCE是好的!!!
- 主题发起人 法兰"西多事"
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用term的，如果你在４０岁以下，身体健康。
保１０年３０万，每月应付少于３０元。
如果买其它组合保险，每月至少要２５０元。
也许你觉得term的钱都白花了。
其实组合保险的也一样。你能得到的仅仅是你投资部分。
通常情况下，保险公司的投资效益比mutual fund的还差。
因为他们的专业不是做投资的。
甚至有的保险公司也是买其他fund的产品。
你唯一多得到的是把钱被lock住了。
cfhk
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More advice
Before you take action and decide which insurance is best to suit your need, I recommend that you find an Insurnace Consultant (or Insurance Broker) who doesn't work for any of the insurance companies. This way, let the broker provides the "unbiased" analysis and recommendation to you.
My broker recommends the insurance options to us based on your financial profile and your family needs. He helps us choose the best premium rate.
Make sure that your insurance broker is CFP, CLU, C.H.F.C. and has been in the busienss for more than 10 years.
Our broker indicates to us that one insurance may give you a very low premium cost when comparing with other insurance companies. This is their strategy to get your business. But make sure you ask the question "Is the cost of the insurance guaranteed if you go for universal life insurance?" A well-known insurance company in Ottawa has very high increasing cost for UL. In that case, once you already got in the plan, you are stuck! This is the trick! Beware.
Before you take action and decide which insurance is best to suit your need, I recommend that you find an Insurnace Consultant (or Insurance Broker) who doesn't work for any of the insurance companies. This way, let the broker provides the "unbiased" analysis and recommendation to you.
My broker recommends the insurance options to us based on your financial profile and your family needs. He helps us choose the best premium rate.
Make sure that your insurance broker is CFP, CLU, C.H.F.C. and has been in the busienss for more than 10 years.
Our broker indicates to us that one insurance may give you a very low premium cost when comparing with other insurance companies. This is their strategy to get your business. But make sure you ask the question "Is the cost of the insurance guaranteed if you go for universal life insurance?" A well-known insurance company in Ottawa has very high increasing cost for UL. In that case, once you already got in the plan, you are stuck! This is the trick! Beware.
The best Life Insurance is no Life Insurance.
Life Insurance is a outdated product for a time long passed when:
1. There is no social safety net provided by the government. Today, in a sense you have already purchased a life insurance by paying taxes.
2. Husband is only one working in a family. Very hard for a woman to find cash emplyment.
3. Man died earlier and often when there are still young children.
Today, all the above conditions no longer existes. So buying Life Insurance is by and large, a waste of money.
friend4china
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only smart people understand not to mixup the life insurance and investment.
if anyone want know more about theknowledge life insurance and the investment, please email me.
friend4china.
if anyone want know more about theknowledge life insurance and the investment, please email me.
friend4china.
巴菲
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真是个亘古永恒的话题！每个人不同的观点，而且那些观点可以套在几个不同的模子里，从一战到现在近一个世纪那几个模子都一成不变。无法抨击任何一个观点，因为本人就经历了几乎所有的观点：
1， 二十岁出头的时候，觉得没有任何必要买任何保险，有一点钱先下馆子，再多一点就旅游，再多一点就投资。投资时间越长，回报越多，谁都懂。
2， 三十多岁刚有孩子，觉得至少买点TERM-LIFE以防万一，好给孩子留点抚养金；
3，四十多岁开始懂得命运多桀，懂得该为家庭负点责任。要考虑多种风险，一旦不幸，或时运乖张导致积蓄、房产、RRSP付诸东流时怎样让家庭能安全度过艰难，意识到需要更多的保障，WHOLE-LIFE是其一；
4，五十多岁由于健康、年龄的原因，发觉TERM-LIFE简直就是GARBAGE，而且高昂得无法购买，WHOLE-LIFE才是正道（如果二十多年以前就买了的话）。
5， 六十多岁意识到，要是有个大病保险该多好，拿着一笔钱可以好好治病，因为六十多岁生大病的概率简直太高了。
1， 二十岁出头的时候，觉得没有任何必要买任何保险，有一点钱先下馆子，再多一点就旅游，再多一点就投资。投资时间越长，回报越多，谁都懂。
2， 三十多岁刚有孩子，觉得至少买点TERM-LIFE以防万一，好给孩子留点抚养金；
3，四十多岁开始懂得命运多桀，懂得该为家庭负点责任。要考虑多种风险，一旦不幸，或时运乖张导致积蓄、房产、RRSP付诸东流时怎样让家庭能安全度过艰难，意识到需要更多的保障，WHOLE-LIFE是其一；
4，五十多岁由于健康、年龄的原因，发觉TERM-LIFE简直就是GARBAGE，而且高昂得无法购买，WHOLE-LIFE才是正道（如果二十多年以前就买了的话）。
5， 六十多岁意识到，要是有个大病保险该多好，拿着一笔钱可以好好治病，因为六十多岁生大病的概率简直太高了。
