my 2 cents..

1. life insurance, some use it as a tool to supplyment estate tax.

2. I am a big fan of longterm care insurance.  few examples.

case 1, my friend, a foot doctor, father in nuring home, 5 years, no insurance, self-pay.

case 2, my aunt, nuring home, 8 years, long term care pay for nursing home stay.

case 3, my old tutor and long time friend, brain tumor, die 12 month later, pay in 11 years for long term care, never got to use it.

average nursing home policy at age 65, is about 140/month per person.

所有跟帖： 

• estate tax又是一个很大的topic。而且各家资产在以后的几十年会变动多少也未知。遗产方面一人有500万免税，2人100 -Nonsense123- ♀ (81 bytes) () 03/28/2012 postreply 10:35:20

• $1400 what age to start pay premium and what age to start covera -borisg- ♀ (0 bytes) () 03/28/2012 postreply 10:35:31

• I pay $267/month for both my parents. -jy101- ♂ (478 bytes) () 03/28/2012 postreply 10:49:37

• 比我想象的便宜多了。 -laoyangdelp- ♀ (0 bytes) () 03/28/2012 postreply 11:01:05

• the key is it protected personal wealth. -jy101- ♂ (229 bytes) () 03/28/2012 postreply 11:06:00

• what's the conclusion from your examples? -laoyangdelp- ♀ (333 bytes) () 03/28/2012 postreply 10:50:20

• haha, its all in god's hand.. -jy101- ♂ (155 bytes) () 03/28/2012 postreply 11:00:18

• 问题是 -laoyangdelp- ♀ (283 bytes) () 03/28/2012 postreply 11:05:29

• 1. yeah.. -jy101- ♂ (393 bytes) () 03/28/2012 postreply 11:21:28