There are 2 different kinds of life insurance.

Usually your employer will offer one, but if you leave your job, it ends automatically and you get nothing out of it. However if you die on the job, you get the benefit. The cost for this kind is very low and it is considered a benefit not an investment.

Another kind is the an investment you can buy from an insurance agent. You can pass the benefit to your children. But usually the return is not very good in comparison to other investments like stocks and bonds.

 

所有跟帖： 

• 这个不对。term life就好了。其他有投资在里面的反而不划算。工作的group insurance不划算，但是 -知人知面- ♂ (97 bytes) () 02/01/2014 postreply 10:32:05

• 呵呵。俺还有whole life给LP的。term给小孩的。还没到用insurance做estate planning那个层次。 -知人知面- ♂ (0 bytes) () 02/01/2014 postreply 10:50:50

• 好像有个华裔女孩被男朋友谋杀了，就是为了骗保险。 -mapell22- ♀ (290 bytes) () 02/01/2014 postreply 11:07:50

• 要是那天俺失踪，肯定给LP杀了，所有保险她都是受益人。她自己没一分钱保险。呵呵 -知人知面- ♂ (0 bytes) () 02/01/2014 postreply 11:11:13

• 回复：我当时身体好就认为人寿保险是鼓励谋杀。 -QinJin- ♂ (0 bytes) () 02/01/2014 postreply 11:15:12

• 呵呵。开开玩笑。俺从当学生就开始买term life。开头给父母，后来就给LP，当然那个时候比较少。 -知人知面- ♂ (0 bytes) () 02/01/2014 postreply 11:25:16