因为闲话版的一个帖子引发的，觉得有家的人一定要负责，最好买个人寿保险。想起了我的一段经历。因为想寻找投资的渠道, 听了agent的话，买了个whole life insurance， 每月交$200, 大约$80 是风险费，$120用来投资几只基金。 前些日子自己寻思了一下，越想越觉得不值。虽说$200一月的费用是一生不变的，但是，年龄越大，风险费越高，投资的部分就越少。列了一下利弊，忍痛（因为交了$2400的佣金。。。）cancle了。现在回想，觉得cancle的决定是正确的。以后要买，一定只卖term life，不买whole life。 除非自己超级有钱。据说whole life 是好多富人留给子孙付proporty tax的。记忆犹新的是，当时朋友说，那个agent也买了同样的whole life保险，agent 自己不会买不好的保险吧？可是我想agent买保险，佣金会低吧？还想说一句：whole life也许适合某些人，我只是认为它不适合我。Advantage of a whole life insurrance 1. You don't need to pay tax for the invested capital Disadvantage 1. 贵！ (For a $200,000 insurance: Term life, $20 monthly for 30 years if you are 30, $50 monthly for 30 years if you are 60; whole life, $200 monthly till you die。 当然，保险有cash value，你死了之后给受益人。你死之前也可以提取。但是，) 2. 不能随便提取，每种提取的方法都要交费。我知道有两种方法： a. Take loan for the cash value of your insurance and pay the interest for the loan （凭什么用自己的钱还要交贷款的利息呀？无比悲愤中。。。） b. Withdraw no more than 10% of the cash value of your insurance and pay 2% charge. E.g. the cash value of your insurance is $5000, you can withdraw no more than $500 a year, and you have to pay $10 fee for the withdraw. 3. 佣金：Most of the time, the first year's premium is paid to the life insurance agent and doesn't contribute to your insurance. In the example, if you are paying $200 monthly, $2400 is the agent fee.
Since LZMM is gone for the day, may be I can contribute to her topic. For those who don't already know, a term life insurance policy provides a stated benefits upon the holder's death, provided that the death occurs within a certain specified time period. However, the policy does not provide any returns beyond the stated benefit, unlike an insurance policy which allows investors to share in returns from the insurance company's investment portfolio. [per Investorwords]
Advantages Term Life covers a protection need that has a specific time duration, such as a mortgage. If your insurance need is projected for only a certain number of years or you cannot afford a more permanent type of insurance, Term Life may be an appropriate choice. You can choose protection for from one to 20 years or longer. Term may be right in instances where there may not be a large need for insurance after a specific time period; for example, after a substantial debt is paid off. Because you're paying for only the cost of insurance and building no cash value, Term can save you money or allow you to purchase a larger death benefit than would be manageable, otherwise. However, the Term premiums may eventually exceed premiums on other forms of insurance.
Disadvantages Term Life doesn't provide a cash value. Term Life doesn't provide permanent life insurance protection and can become prohibitively costly as you get older.
Term life insurance is good for short term needs. Two good examples of this are to cover your children's college education and to cover your mortgage. Parents could buy a policy that expires after their children graduate from college to ensure that the full education is paid for (in case anything happened to the parents). Or, the main breadwinner in a house could buy a term policy that matches the length of his or her home's mortgage.
LZMM can share with us any additional understanding on the term and whole life insurance. Don't mean to cut you off. I just have too much free time at the moment...
以下是引用Izzie在2006-7-27 23:47:00的发言： Disadvantages Term Life doesn't provide a cash value. Term Life doesn't provide permanent life insurance protection and can become prohibitively costly as you get older. 貌系定期人寿也有加储蓄的吧，也可以拿钱回来，不过保金超贵~~~ 终身加储蓄最贵~~~ 不过买人寿保险都不是为自己考虑~~~贵点就贵点吧，只要负担的起。
以下是引用summerhole在2006-7-27 23:09:00的发言： 因为闲话版的一个帖子引发的，觉得有家的人一定要负责，最好买个人寿保险。想起了我的一段经历。因为想寻找投资的渠道, 听了agent的话，买了个whole life insurance， 每月交$200, 大约$80 是风险费，$120用来投资几只基金。 前些日子自己寻思了一下，越想越觉得不值。虽说$200一月的费用是一生不变的，但是，年龄越大，风险费越高，投资的部分就越少。列了一下利弊，忍痛（因为交了$2400的佣金。。。）cancle了。现在回想，觉得cancle的决定是正确的。以后要买，一定只卖term life，不买whole life。 除非自己超级有钱。据说whole life 是好多富人留给子孙付proporty tax的。记忆犹新的是，当时朋友说，那个agent也买了同样的whole life保险，agent 自己不会买不好的保险吧？可是我想agent买保险，佣金会低吧？还想说一句：whole life也许适合某些人，我只是认为它不适合我。Advantage of a whole life insurrance 1. You don't need to pay tax for the invested capital Disadvantage 1. 贵！ (For a $200,000 insurance: Term life, $20 monthly for 30 years if you are 30, $50 monthly for 30 years if you are 60; whole life, $200 monthly till you die。 当然，保险有cash value，你死了之后给受益人。你死之前也可以提取。但是，) 2. 不能随便提取，每种提取的方法都要交费。我知道有两种方法： a. Take loan for the cash value of your insurance and pay the interest for the loan （凭什么用自己的钱还要交贷款的利息呀？无比悲愤中。。。） b. Withdraw no more than 10% of the cash value of your insurance and pay 2% charge. E.g. the cash value of your insurance is $5000, you can withdraw no more than $500 a year, and you have to pay $10 fee for the withdraw. 3. 佣金：Most of the time, the first year's premium is paid to the life insurance agent and doesn't contribute to your insurance. In the example, if you are paying $200 monthly, $2400 is the agent fee. 保险就是保险，投资就是投资， 混在一起不好搞。 除非很有钱。 那主要考虑的是税的利益了， 而不单纯的投资和保险了
以下是引用summerhole在2006-7-29 12:38:00的发言： Ｔｅｒｍ即便不保终生，但从现在开始保３０年，为买房，买车，父母的赡养，小孩子的教育，配偶的生活提供保障，应该差不多够用了。３０年后，大家应该都有了点家底，退休金，养老金等等。或者还可以再买３０ ｔｅｒｍ ｌｉｆｅ。我在第一个贴例举了个例子：如果你现在３０岁，保３０年＄２００，０００ 的 ｔｅｒｍ， 每月保险金是＄２０。 如果你现在６０岁，同样保３０年＄２００，０００的ｔｅｒｍ， 每月保险金是＄５０。 summerhole MM说得很对。Buy the term life insurance when we are healthy. When we get into our 50s and beyond, it will become more difficult to find affordable term life insurance. Term life insurance is really not an investment. It helps mitigate the risk of negative fianncial consequences if something unfortunate were to happen to us. So we ought to buy enough life insurance to meet your needs and also, match the term to our needs. Make sure that our dependents are covered until they can provide for themselves, or that your spouse is covered until retirement income becomes available.
以下是引用summerhole在2006-7-29 12:38:00的发言： 谢谢Izzie MM的补充。 Ｔｅｒｍ即便不保终生，但从现在开始保３０年，为买房，买车，父母的赡养，小孩子的教育，配偶的生活提供保障，应该差不多够用了。３０年后，大家应该都有了点家底，退休金，养老金等等。或者还可以再买３０ ｔｅｒｍ ｌｉｆｅ。我在第一个贴例举了个例子：如果你现在３０岁，保３０年＄２００，０００ 的 ｔｅｒｍ， 每月保险金是＄２０。 如果你现在６０岁，同样保３０年＄２００，０００的ｔｅｒｍ， 每月保险金是＄５０。 ｓｕｍｍｅｒｎｙｃ ＭＭ 说的 “貌系定期人寿也有加储蓄的吧，也可以拿钱回来，不过保金超贵”。 我知道有一种，每月保金是要多一些，大约比起单纯ｔｅｒｍ没钱可拿的那种多５０％吧，可以最后把所有保险金收回来。比如你保３０年＄２００，０００的ｔｅｒｍ，每月交＄３０，３０年过后可以领回（＄３０＊１２月＊３０年＝）＄１０，８００。 “保险就是保险，投资就是投资， 混在一起不好搞。 除非很有钱。 那主要考虑的是税的利益了， 而不单纯的投资和保险了”， ｘｙｉｎ ＭＭ 总结的真是精辟呀。 再啰嗦几句：德国的安联保险公司（Ａｌｌｉａｎｚ）曾提供有保障的有投资性质的人寿保险。就是保到你退休，保证你有至少４％的投资赢利。退休的时候可以拿回投资的本金，每年４％的盈利，和４％以外的投资盈利。可是我在美国没有看到类似的，有最低盈利保证的人寿保险。这也是我不会考虑买带有投资性质的人寿保险的原因之一。 agree. nobody can gurantee you 4% gain here. and if they can do it, I can surely do better. because they will have management fee, and normally insurance money is not allowed in high risk investment.
[此贴子已经被作者于2006-7-27 23:27:30编辑过]
Term Life doesn't provide a cash value. Term Life doesn't provide permanent life insurance protection and can become prohibitively costly as you get older.
Disadvantages
Term Life doesn't provide a cash value. Term Life doesn't provide permanent life insurance protection and can become prohibitively costly as you get older. 貌系定期人寿也有加储蓄的吧，也可以拿钱回来，不过保金超贵~~~ 终身加储蓄最贵~~~ 不过买人寿保险都不是为自己考虑~~~贵点就贵点吧，只要负担的起。
因为闲话版的一个帖子引发的，觉得有家的人一定要负责，最好买个人寿保险。想起了我的一段经历。 因为想寻找投资的渠道, 听了agent的话，买了个whole life insurance， 每月交$200, 大约$80 是风险费，$120用来投资几只基金。 前些日子自己寻思了一下，越想越觉得不值。虽说$200一月的费用是一生不变的，但是，年龄越大，风险费越高，投资的部分就越少。列了一下利弊，忍痛（因为交了$2400的佣金。。。）cancle了。现在回想，觉得cancle的决定是正确的。以后要买，一定只卖term life，不买whole life。 除非自己超级有钱。据说whole life 是好多富人留给子孙付proporty tax的。 记忆犹新的是，当时朋友说，那个agent也买了同样的whole life保险，agent 自己不会买不好的保险吧？可是我想agent买保险，佣金会低吧？ 还想说一句：whole life也许适合某些人，我只是认为它不适合我。 Advantage of a whole life insurrance 1. You don't need to pay tax for the invested capital Disadvantage 1. 贵！ (For a $200,000 insurance: Term life, $20 monthly for 30 years if you are 30, $50 monthly for 30 years if you are 60; whole life, $200 monthly till you die。 当然，保险有cash value，你死了之后给受益人。你死之前也可以提取。但是，) 2. 不能随便提取，每种提取的方法都要交费。我知道有两种方法： a. Take loan for the cash value of your insurance and pay the interest for the loan （凭什么用自己的钱还要交贷款的利息呀？无比悲愤中。。。
Ｔｅｒｍ即便不保终生，但从现在开始保３０年，为买房，买车，父母的赡养，小孩子的教育，配偶的生活提供保障，应该差不多够用了。３０年后，大家应该都有了点家底，退休金，养老金等等。或者还可以再买３０ ｔｅｒｍ ｌｉｆｅ。我在第一个贴例举了个例子：如果你现在３０岁，保３０年＄２００，０００ 的 ｔｅｒｍ， 每月保险金是＄２０。 如果你现在６０岁，同样保３０年＄２００，０００的ｔｅｒｍ， 每月保险金是＄５０。 summerhole MM说得很对。Buy the term life insurance when we are healthy. When we get into our 50s and beyond, it will become more difficult to find affordable term life insurance.
Term life insurance is really not an investment. It helps mitigate the risk of negative fianncial consequences if something unfortunate were to happen to us. So we ought to buy enough life insurance to meet your needs and also, match the term to our needs. Make sure that our dependents are covered until they can provide for themselves, or that your spouse is covered until retirement income becomes available.
谢谢Izzie MM的补充。 Ｔｅｒｍ即便不保终生，但从现在开始保３０年，为买房，买车，父母的赡养，小孩子的教育，配偶的生活提供保障，应该差不多够用了。３０年后，大家应该都有了点家底，退休金，养老金等等。或者还可以再买３０ ｔｅｒｍ ｌｉｆｅ。我在第一个贴例举了个例子：如果你现在３０岁，保３０年＄２００，０００ 的 ｔｅｒｍ， 每月保险金是＄２０。 如果你现在６０岁，同样保３０年＄２００，０００的ｔｅｒｍ， 每月保险金是＄５０。 ｓｕｍｍｅｒｎｙｃ ＭＭ 说的 “貌系定期人寿也有加储蓄的吧，也可以拿钱回来，不过保金超贵”。 我知道有一种，每月保金是要多一些，大约比起单纯ｔｅｒｍ没钱可拿的那种多５０％吧，可以最后把所有保险金收回来。比如你保３０年＄２００，０００的ｔｅｒｍ，每月交＄３０，３０年过后可以领回（＄３０＊１２月＊３０年＝）＄１０，８００。 “保险就是保险，投资就是投资， 混在一起不好搞。 除非很有钱。 那主要考虑的是税的利益了， 而不单纯的投资和保险了”， ｘｙｉｎ ＭＭ 总结的真是精辟呀。 再啰嗦几句：德国的安联保险公司（Ａｌｌｉａｎｚ）曾提供有保障的有投资性质的人寿保险。就是保到你退休，保证你有至少４％的投资赢利。退休的时候可以拿回投资的本金，每年４％的盈利，和４％以外的投资盈利。可是我在美国没有看到类似的，有最低盈利保证的人寿保险。这也是我不会考虑买带有投资性质的人寿保险的原因之一。 agree. nobody can gurantee you 4% gain here. and if they can do it, I can surely do better. because they will have management fee, and normally insurance money is not allowed in high risk investment.