请教各位，人寿保险买30年共投入5万，值得吗

[jkjkjk1982]

人寿保险要买买30年，总共投入是5万。
如果去世，伴侣或家里人可获10万。
请问值得吗？
谢谢。。。。

 

[Beefburger]

这是啥保险？要投入5W，合每个月140？4了才给10W？

 

[Sean Mama]

每月交这个钱，4了应该给100万吧？从多少岁开始买？

 

[wiiwii]

 

[wiiwii]

每月交这个钱，4了应该给100万吧？从多少岁开始买？

 

[sunny_cctv]

保险都是要长期买，倒闭了怎么办？

 

[Nancy2011]

不合算，因为赔付得几乎和付出不成比例。

我给你举个例子供你参考：月付23元，为期25年的消费型的人寿保险，保值金额是20万加币。算下来，这25年，只要要支付五六千刀，就可以获得20万加币的人寿保障。

具体可以问问一个华人保险代理冰冰。

 

[何 不]

It depends on age. The older, you are now, the less your beneficiary gets when u die.

 

[uglyducking]

If you left 50k as 遗产to your kids, the gov will take a big chunk of it. If you leave 100k life insurance payment, much less tax or no tax(please ask an accountant, I'm not 100% sure about this)

 

[GoldMonkey]

不合算，因为赔付得几乎和付出不成比例。

我给你举个例子供你参考：月付23元，为期25年的消费型的人寿保险，保值金额是20万加币。算下来，这25年，只要要支付五六千刀，就可以获得20万加币的人寿保障。

具体可以问问一个华人保险代理冰冰。

为期25年，什么意思？ 那25年以后呢？

月付23元，25年下来，总共是6900元。 获得20万元的人寿保险，是25年以内呢，还是25年以后都有？

 

[Vive]

Not true. There is no inheritance tax in Canada. Upon death, the person's investment is deemed disposed. Any capital gain is taxed to the deceased plus other income. If the person has 50k in the bank, there is no capital gain and it's not income. No tax is incurred on the 50k. In Canada, the person who receives gift money never pay tax.

So buy insurance for whatever reason, but not for passing your bank account money to your kid.

 

[uglyducking]

Not true. There is no inheritance tax in Canada. Upon death, the person's investment is deemed disposed. Any capital gain is taxed to the deceased plus other income. If the person has 50k in the bank, there is no capital gain and it's not income. No tax is incurred on the 50k. In Canada, the person who receives gift money never pay tax.

So buy insurance for whatever reason, but not for passing your bank account money to your kid.

Just did some google and you are right about the "no inheritance tax in Canada". The question is, how that $50k will be passed to kids, cash in bank or investment? if it's investment, capital gain tax applies. and also all the proceeding will use to pay down the debts/cost of that person who dies(maybe lawyer fee), at the end, that $50k may not leave much for the kids
but $50k->$100k insurance, i guess the kids can get full amount... just some thought.

 

[uglyducking]

Q: Are life insurance payouts tax-free?

A: Life insurance death benefits are tax-free and creditor-proof, as long as the named beneficiary is not your estate. Your estate is responsible for paying all your debts after you die. If you name it as your beneficiary, then all your creditors, including Revenue Canada, stand in line ahead of your partner and family. If, on the other hand, you make your spouse or partner the beneficiary, he or she is entitled to all the benefits. While your dependents may choose to clear the slate and pay your debts after your death, that choice evaporates if you name your estate as beneficiary. Also be aware that, if you name a business partner as beneficiary, the benefits are not creditor-proof.

 

[smoothleaf]

你买的是30年的TERM还是WHOLE LIFE 30年PAY？ 这些大的保险公司报费区别不是很大，你可以多问几家，如果没出什么问题的话，同样的险种价钱应该都差不多。您这种情况应该是被保人年龄和健康的问题， 比如说年龄大，抽烟。
保险也不能简单的说值不值得。保险是非常有针对性的，比如我还有10万的MORTGAGE， 我就买10万的保险，我家人的收入可以供养整个家庭的正常开销。极端的例子，我今天付了第一个月报费，明天去世了，我的投入是100多， 回报是10万，单纯的计算收益太值得了，可是人没了。假设我身体很好，过些年我的MORTGAGE都付清了，我交了5W保费。这5万如果投资得当30年后可能远远超过10万，这样可能觉得不值，但是被保人的健康是不能用金钱来衡量的。

不要考虑值不值，考虑你需不需要，需要就值。如果没有这个保险我明天去世了，我家人就要卖房子。那么我就需要保险。

 

[Vive]

The reason that people buy insurance is for protection. Some sellers are confusing and misleading people to worry about giving their own money to their kid, or to concentrate on making a profit out of it. When people buy car insurance, they want to protect themselves from accidents and liabilities. No one buys car insurance in order to make mony (fraud is the exception). Life insurance is along the same line of thinking.