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- 主题发起人 山蛟龙
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Tobehonest
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- 2006-11-29
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为什么中国人的保险经纪总是推荐伦敦理财分红保险？
保险品种也是一种商品，对于不同的人和不同的家庭需求，保险经纪同仁应该针对客户的需求及其家庭的实际情况，给客户合理的建议。我不太明白为什么中国人的保险经纪总是向自己的同胞推荐伦敦理财分红保险。似乎只有这一种适合所有的加拿大华人。我知道这种保险经纪的Commission是非常高的。听说第一年的保险付费基本上是交给经纪了。不知道是否这是主要原因。希望从事保险工作的同胞们，更专业一些，向自己的同胞推介适合其本人的保险，尤其是详细说明各种保险品种的利弊，比如分红保险就有明显的RISK，但很少有人去说明。希望从业同胞把保险理财既当成是一份工作，同时也是造福自己的同胞族群的服务途径。这样才是双赢和也才能持久。一家谈。
保险品种也是一种商品，对于不同的人和不同的家庭需求，保险经纪同仁应该针对客户的需求及其家庭的实际情况，给客户合理的建议。我不太明白为什么中国人的保险经纪总是向自己的同胞推荐伦敦理财分红保险。似乎只有这一种适合所有的加拿大华人。我知道这种保险经纪的Commission是非常高的。听说第一年的保险付费基本上是交给经纪了。不知道是否这是主要原因。希望从事保险工作的同胞们，更专业一些，向自己的同胞推介适合其本人的保险，尤其是详细说明各种保险品种的利弊，比如分红保险就有明显的RISK，但很少有人去说明。希望从业同胞把保险理财既当成是一份工作，同时也是造福自己的同胞族群的服务途径。这样才是双赢和也才能持久。一家谈。
Tobehonest
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- 注册
- 2006-11-29
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希望有专门家详细说明伦敦理财分红保险的利弊
说实在的，真的希望有专门家来给大家说说这种保险的利弊。尤其是这种商品推介到华人社区迄今为止出现过那些问题和可能带给客户的困扰。
说实在的，真的希望有专门家来给大家说说这种保险的利弊。尤其是这种商品推介到华人社区迄今为止出现过那些问题和可能带给客户的困扰。
Tobehonest
知名会员
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- 2006-11-29
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很专业也实在.多谢.
很专业也实在.多谢陈兄台的说明.
很专业也实在.多谢陈兄台的说明.
A fact is that sales got a big commission by selling the par life, more than 5% probably. So if a client invest $10k per year for 20 years with a total of $200k, the sales could get more than $10k of commissions.
The first 10 years, if you quit the plan, you could barely get anything back. (Quit the first 4 years, 0 value back; Quit at the end of 10 years, around 20% of the money you have invested - Guranteed value, for unGuranted, you may get higher money back).
It is a really long commitment and with the many unknown issues - the future returns, inflation rate. Suppose someone purchased this plan 40 years ago, they could probably only afford $500 a year, now that person dies, and he/she got a paid out life insurance of $100k with the rate of return, which is not a big money. It is very likely 40 years later, $1million will not be a big sum, and one has to suffer today's life quality by contributing $10k or $20k after-tax income and with no other tax benefit like RRSP.
I am not seeing a big value for most middle -income families, unless very rich with income of more than $300k and lots of surplus fund. For Chinese family, because of the culture preference of saving for the future and passing the fortune to the next generation, maybe family income of $200k or more could consider buying a small quantiyty to diversify the investments - the bottom line is not to impact TODAY`s life quality.
Do your work before opening your pocket.
If one really want to buy, shall compare mutiple company`s product. Sun Life's Par Life seem to be having better Dividend returns recent years than London Life. London Life has the longest history though.
And Sun Life`s Par life is more 'fair' for middle-aged male than London Life - means not a big difference in returns for male vs. female of same age.
The first 10 years, if you quit the plan, you could barely get anything back. (Quit the first 4 years, 0 value back; Quit at the end of 10 years, around 20% of the money you have invested - Guranteed value, for unGuranted, you may get higher money back).
It is a really long commitment and with the many unknown issues - the future returns, inflation rate. Suppose someone purchased this plan 40 years ago, they could probably only afford $500 a year, now that person dies, and he/she got a paid out life insurance of $100k with the rate of return, which is not a big money. It is very likely 40 years later, $1million will not be a big sum, and one has to suffer today's life quality by contributing $10k or $20k after-tax income and with no other tax benefit like RRSP.
I am not seeing a big value for most middle -income families, unless very rich with income of more than $300k and lots of surplus fund. For Chinese family, because of the culture preference of saving for the future and passing the fortune to the next generation, maybe family income of $200k or more could consider buying a small quantiyty to diversify the investments - the bottom line is not to impact TODAY`s life quality.
Do your work before opening your pocket.
If one really want to buy, shall compare mutiple company`s product. Sun Life's Par Life seem to be having better Dividend returns recent years than London Life. London Life has the longest history though.
And Sun Life`s Par life is more 'fair' for middle-aged male than London Life - means not a big difference in returns for male vs. female of same age.
