听保险agent说,人寿保险,终生的,都有投资的成分,所以价

[dreamchaser999]

作者: 云游

我也准备买保险，可问过一个代理要两千多一年，比国内没便宜，更不可思议的是保单出来，居然不让我仔细读保单就让签名，还说公司有规定不能把保单给客户，必须在代理面前读，之后就签名，考虑再三还是没签名。 两千快对我而言可是一笔大数，没弄明白就投下去可不是闹着玩的。

You are right. The agent should not rush you to sign before you understand everything.

Sherry

[dreamchaser999]

作者: scarboroughlady

钱最便宜的也要一个月四十几.
我本人是想买一个月不超过二十元的,是不是只能买term了?
投资的不想买,是因为不知道那些许诺到底能不能实现?总觉得不可靠.
另外,agent好象极力推荐有投资性质的哦.

My first question is: why do you need to buy insurance?

If the purpose is for your family to pay off mortgage when you die (assuming that your spouse will not have enough income to serve the monthly mortgage payment if your income is gone), then you should buy term. The amount should be your current mortgage balance and the term should be the same as the number of years until your mortgage paid off.

If your purpose is to replace your income for your children until they turn 18 or until they graduate from university, then buy term and the term should be the same as the number of years left until your children reach 18 or until they graduate from university. There is a way to calculate the beneift amount. Let's say your current make $5000 a month. If you die, your family need at least $3000 a month to get by. That is $36,000 a year. Suppose your investment can make 8% return annually, then you will need $450,000 coverage to produce $36,000 annual income. The formula to calculate this is "the annual income needed devided by interest rate". In this case, it is $36,000 / 8% = $450,000.

Again, if your purpose is for estate planning, to leave a large amount money to your children and grand children and not to pay tax, then you should consider Universal Life or Whole Life.

Of course, affordability has to be taken into consideration. For instance, if you can't afford $450,000 but can afford $200,000. Then buy $200,000. It is still better than nothing.

If you don't want to spend more than $20 a month, pretty much you will have to settle with term, at least for now.

Sherry

[bg3721]

保险是我们的一部分,买什么保险不重要,关键是要有保障,不要因为个别Agent的道德影响我们的生活,我们只是要学会辨别,我强烈建议我们要主动学习相关基本知识.,

[amei]

作者: scarboroughlady

钱最便宜的也要一个月四十几.
我本人是想买一个月不超过二十元的,是不是只能买term了?
投资的不想买,是因为不知道那些许诺到底能不能实现?总觉得不可靠.
另外,agent好象极力推荐有投资性质的哦.

我推荐你选择35年Term，钱少，时间长。保护到老。多好啊。

416-818-5816 阿美

确实作为经济，你买whole life我们赚的多，可是你自己也赚的多。就像房子，你明明知道你买一个30万的房子经济要赚取4.5%的佣金，可是没办法，还是得买。
我们一般通过优惠，服务，等等办法补偿你。
我拥有终身保险牌照，百万圆桌会员，肯定会长期服务于你。

国联Industrial Alliance是我们这行佣金最高的产品，是不相瞒。不过我的客户买其他公司的更多。
客户其实比我聪明，我不必要欺瞒。

[草头猪王]

买Term，余钱投资。

Universal Life or Whole Life 主要是对于富人进行税务规划有好处，对于普通人就是个rip-off。你根本就不需要什么"终身"人寿保险，孩子独立了(抚养/教育费用0)；你房子也付清了(贷款0)；同时随着年纪增长消费欲望也在降低(个人花消减少)；储蓄/投资也在增加，如果你采取稳健的以指数为主的组合投资方式，你基本上可以100% beat保险公司的投资结果，当然这是另外一个话题了。

[草头猪王]

作者: dreamchaser999

You are right. The agent should not rush you to sign before you understand everything.

Sherry

Sales is a actually a mental game.