回复：There are assumptions in each case-

The most popular assumption is the estimated annual return rate on your investment portion is 8% or higher. In past 10 years, very few policy holders make it. So they are still paying the payment now although it has been 4+ years after they purchased the policy.

There are 2 reasons we buy insurance (JY101? has a good post about it) - To protect the love ones, buy term with enough coverage; To use is as shelter to defer/avoid investment income /estate tax, buy IUL. So if you have high income tax, maximize all other plans, plan to leave $2 mil+ to kids, then you should consider IUL.

所有跟帖： 

• 回复：回复：There are assumptions in each case- -Money- ♀ (289 bytes) () 01/18/2012 postreply 18:38:23

• 回复：你的想法对 -jzc- ♂ (325 bytes) () 01/18/2012 postreply 18:51:01

• 回复：回复：你的想法对 -jzc- ♂ (172 bytes) () 01/18/2012 postreply 19:01:56

• 回复：回复：回复：你的想法对 -Money- ♀ (391 bytes) () 01/18/2012 postreply 19:15:01