我只是不那么肯定：但现金值每年都会涨所以永远不会有抽空的一天！

I split products like Whole Life into 2 pieces: pure insurance and investment vehicle. Such WL or VUL are a lot more expensive than term-life insurance. The extra premium goes into investments: CD, Bond, Annuity, Stock Index, etc.

Such products are for long term. For example after 10 or 15 years, you have enough "cash value" in policy, which then yields more than annual expenses, so in theory the policy can sustain by itself. But I can't say for sure 现金值每年都会涨所以永远不会有抽空的一天！For example when the stock market crashed, VUL or Index-linked will have cash value shrunk by 1/3. Your WL could be 稳健, but at the same time return would be less as well. Another factor could be, the annual cost will go up every year, and once you are beyond 80 or 100 years old the cash value could be depleted quickly.

I'm not 专业人士 like 老范. In order to use it as tax-defer and then tax-exempt, you should always keep your policy current. Once it terminates you will face the tax consequences immediately and it can no longer be estate planning tool. 

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• 嗯！谢谢W大！大佬就是大佬，条理清晰分析有度！学习了！ -MrsKwok- ♀ (0 bytes) () 03/12/2013 postreply 21:28:42