VUL Protector的人寿保险

想给自己买份保险，这份保险我只考虑death benefit，不考虑生前利益。有个agent推荐了prudential的VUL Protector。46岁，50万，13000一年，5年付清。因为是VUL, 唯恐付了5年以后，还让付钱，这个agent说这个保险有个Rider to Provide Lapse Protection，保到120岁，

A conditional No-Lapse Guarantee that can keep your policy in effect if sufficient

premiums are paid. Based on assumptions listed on this page and elsewhere in the

illustration, the No-Lapse Guarantee remains in effect for the insured’s lifetime. Please see the No-Lapse Guarantee in the Additional Information section for terms and conditions

在另外一个地方，还有一个解释：

No-Lapse Guarantee There are conditional guarantees that can keep your policy in effect even if the cash value is too low to do so. The Limited No-lapse Guarantee can protect your policy during the first 5 years. The Rider to Provide Lapse Protection can protect your policy starting in year 6. The premiums, rates and fees for these features are guaranteed. Thus, we can tell you how long your policy will last based on how you plan to pay and whether or not you exercise various policy rights. No-Lapse Guarantee values are not available to you for any reason or through any means. Policy changes, loans, withdrawals, using optional benefits and even small changes in the amount or timing of premium payments can affect how long the No-Lapse Guarantee stays in effect. For this reason, it is important to pay your premiums when they are due. If the No-Lapse Guarantees and the contract value cannot maintain the policy, the policy will end. However , you may restore the guarantee by paying enough premium to sufficiently replenish the cash value. The No-Lapse Guarantees will not protect your policy from ending due to excess contract debt. The Rider to Provide Lapse Protection terminates when the policy does. Please note that, if you pay only the minimum premium required for a guarantee, you may also give up the potential to build tax-deferred cash value.

 

我有个朋友买过VUL的保险，后来还需不断的往里交钱，所以非常小心。希望懂行的人能给些指点。先谢谢大家了。