唉， 你自己的回應已經說明你不大了解什麼是whole life policy. 請你從 However, if you surrender your policy or if your policy lapse 那裡读吧．
We talking two different things. Here’s how it work. The dividend that the policy received on an annual basis is not guaranteed, so does their amount. You can let it accumulated as a pool or you can use it as paying your policy’s premium. If you use it as a pool, then your cash value will be increased year over year, so does your coverage, due to section 7022, which is why you don’t have to pay any taxes on the dividend. (Go google section 7022 yourself). If you stop paying any premium, the policy will start deducting the premium from your dividend pool(you still paying it) once the pool is depleted, you are require to pay the policy, or else it will lapsed. Once lapsed, you lose the life insurance policy, worse comes to worse, if all your dividend received is higher than your cost basis, it become taxable income including your loan
还有保险和投资是两码事，不能搞在一起。保险还可以避税，Long term care, guaranteed income etc... ...
哈哈哈哈，好吧，所以同一樣的钱不该用来能得到最大的好處。行了！像你说，如保险跟投资要分路，你就不该说保险能贷款！货款就去银行，不然给五萬，贷三萬，真的腦給洗坏了。如保险只是保险，就直接买死了会赔就是了，什么cash value, dividend都是多余，对了，不要说cash value和dividend，这又变回了投资。你知道什么叫理财吧？不然真的只是卖保险。还有不要眞的把 rider 当 long term care 比，它是一种rider是有原因的
然后保险没了，所有的花红当收入，马上欠国税局税钱
你交给保险的钱已经交税过了，不需要再交税，你把钱贷出来，保险还是在的，只不过你的钱增长慢了吧了
你还是回去多了解 whole life 吧。
Haha,你还是先去了解一下什么是taxable income 吧。
唉， 你自己的回應已經說明你不大了解什麼是whole life policy. 請你從 However, if you surrender your policy or if your policy lapse 那裡读吧．
We talking two different things. Here’s how it work. The dividend that the policy received on an annual basis is not guaranteed, so does their amount. You can let it accumulated as a pool or you can use it as paying your policy’s premium. If you use it as a pool, then your cash value will be increased year over year, so does your coverage, due to section 7022, which is why you don’t have to pay any taxes on the dividend. (Go google section 7022 yourself). If you stop paying any premium, the policy will start deducting the premium from your dividend pool(you still paying it) once the pool is depleted, you are require to pay the policy, or else it will lapsed. Once lapsed, you lose the life insurance policy, worse comes to worse, if all your dividend received is higher than your cost basis, it become taxable income including your loan
你一定是沒見過很多上一辈子的人用了你所說的做法然後變成沒了保險又欠税.
我可没说不付保费，你如果有5万cash value 你贷3万出来，有什么问题？
返过来问你，你给了五万(保费）块出来，你不能拿回，而只能贷三万出来，但还是要一直附保费，还要给利息给贷款，贷款不还的话，從 coverage 直接扣。弄得不好，有可能保险没了，还要欠税 (这本来就没什么保证的)，你还是觉得没问题？还不如买一个大coverage的term, 把差價拿去投资，或放在银行，最少可以拿钱来用，不用贷，没有什么风险。你算算它们的ROI, ROR 吧
只要分红的钱大于贷款的利息就可以操作。方法很多 主要是在年轻时把rate锁住，楼主年轻，可以这么搞。withdraw premium的数 不交税 超过premium就要交税 所以要借的。
还有保险和投资是两码事，不能搞在一起。保险还可以避税，Long term care, guaranteed income etc...
哈哈哈哈，好吧，所以同一樣的钱不该用来能得到最大的好處。行了！像你说，如保险跟投资要分路，你就不该说保险能贷款！货款就去银行，不然给五萬，贷三萬，真的腦給洗坏了。如保险只是保险，就直接买死了会赔就是了，什么cash value, dividend都是多余，对了，不要说cash value和dividend，这又变回了投资。你知道什么叫理财吧？不然真的只是卖保险。还有不要眞的把 rider 当 long term care 比，它是一种rider是有原因的
保险是可以贷款，这没错啊，这是whole life 和term 的区别。 买个term 你就是买个保障，如果有多余的钱，whole life 还是不错的选择。你可以不借，但如果急需用钱的时候这就是liquid asset.
有没有人见过七十岁老人按照一比一赔率买的人寿保险。因为钱放在保险里传给子孙后代不用缴税，而且规避法院probate。如果是骗人的。那么多的人都是傻子被骗吗…
好奇你现在交了多少年了 有没有拿到钱 ？
同样同样… 晕。