买了WFG的vul，损失惨重，何去何从，想听听大家的意见

来源: septbuyer 于 2008-11-13 21:34:58 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (242 bytes)
本帖于 2008-11-14 17:17:52 时间, 由普通用户 表情符号 编辑

每个月交给WFG的钱，扣除保险费和管理费，非但没挣，反而还亏了两千多，真是有种上当受骗的感觉。这种被身边的朋友骗了的感觉就更别提了。而且我现在帐上的钱没到达8700，大概6000多，如果我想要现在取消VUL，我是一分也拿不回来。想听听大家的意见，先谢谢了。

所有跟帖： 

• 啥叫VUL ? -大猪头- ♂ 给 大猪头 发送悄悄话 (0 bytes) () 11/13/2008 postreply 21:35:37

• this is a kind of insurance product, designed mainly -longtermInvestor- ♂ 给 longtermInvestor 发送悄悄话 longtermInvestor 的博客首页 (55 bytes) () 11/14/2008 postreply 01:28:50

• 怪不得不知道,那是富人玩艺儿 -大猪头- ♂ 给 大猪头 发送悄悄话 (0 bytes) () 11/14/2008 postreply 09:47:55

• 那是骗富人玩艺儿. Variable Universal Life Insurance. -daysofreckoning- ♂ 给 daysofreckoning 发送悄悄话 (27 bytes) () 11/14/2008 postreply 12:52:50

• 富人 -风花雪月~- ♀ 给 风花雪月~ 发送悄悄话 风花雪月~ 的博客首页 (22 bytes) () 11/14/2008 postreply 13:01:52

• 回复：小富人才付遗产税. ~:~ -daysofreckoning- ♂ 给 daysofreckoning 发送悄悄话 (0 bytes) () 11/14/2008 postreply 19:27:29

• you think richers are easy to be cheated. -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (24 bytes) () 11/14/2008 postreply 14:36:38

• 你肯定也不富，呵呵。 -TV_lover- ♂ 给 TV_lover 发送悄悄话 TV_lover 的博客首页 (0 bytes) () 11/14/2008 postreply 15:11:59

• 回复：你肯定也不富，呵呵。~:~ -daysofreckoning- ♂ 给 daysofreckoning 发送悄悄话 (0 bytes) () 11/14/2008 postreply 19:28:42

• If you like to be richer, think and learn from richers. How do y -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (74 bytes) () 11/15/2008 postreply 13:36:37

• 其实,存401K,买人寿保险的人都不是富人. 富人是自己保险自己的. -daysofreckoning- ♂ 给 daysofreckoning 发送悄悄话 (0 bytes) () 11/14/2008 postreply 19:41:59

• 回复：买了WFG的vul，损失惨重，何去何从，想听听大家的意见 -RM2008- ♀ 给 RM2008 发送悄悄话 RM2008 的博客首页 (50 bytes) () 11/13/2008 postreply 21:40:54

• VUL or other whole life insurance need structure right -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (489 bytes) () 11/13/2008 postreply 22:16:58

• WFG is direct marketing RAT CLUB. Rat club never gets you rich -miat42- ♂ 给 miat42 发送悄悄话 miat42 的博客首页 (0 bytes) () 11/14/2008 postreply 05:31:07

• actually It does not force you buy anything and has very good sa -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (600 bytes) () 11/14/2008 postreply 06:36:48

• Unlike other Rate Club? so still a Rat then -云起时99- ♂ 给 云起时99 发送悄悄话 云起时99 的博客首页 (437 bytes) () 11/14/2008 postreply 06:58:46

• Could you tell what you learn and what you loss? -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (37 bytes) () 11/14/2008 postreply 09:36:12

• I don't believe in multi-level marketing (Rat Club), so -云起时99- ♂ 给 云起时99 发送悄悄话 云起时99 的博客首页 (748 bytes) () 11/14/2008 postreply 09:58:41

• ddddddddd -风花雪月~- ♀ 给 风花雪月~ 发送悄悄话 风花雪月~ 的博客首页 (0 bytes) () 11/14/2008 postreply 13:02:24

• I just discuss the fact. -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (3234 bytes) () 11/14/2008 postreply 14:29:14

• google "World Financial Group" and good luck, really -云起时99- ♂ 给 云起时99 发送悄悄话 云起时99 的博客首页 (0 bytes) () 11/14/2008 postreply 19:08:25

• Most big company get negetive comments -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (160 bytes) () 11/15/2008 postreply 13:33:19

• Read This Book before you buy -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (219 bytes) () 11/14/2008 postreply 06:57:41

• 我很久以前也买过这个老鼠会的VUL两年，取消了，免得亏更多。 -astermatch- ♀ 给 astermatch 发送悄悄话 astermatch 的博客首页 (54 bytes) () 11/14/2008 postreply 09:11:10

• 比较一下你的401K， 看看是401K 亏得多还是VUL亏得多？ -optopt- ♀ 给 optopt 发送悄悄话 (119 bytes) () 11/14/2008 postreply 09:59:44

• My 401k loss nothing. I keep in cask/money market since 2002 -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (18 bytes) () 11/14/2008 postreply 14:40:08

• Right, a good VUL has 1% guarantee. no loss. -autumnmoon- ♀ 给 autumnmoon 发送悄悄话 (0 bytes) () 11/14/2008 postreply 14:41:57

• In a deep down market, VUL is better, it will has minimum return -pawpaw- ♀ 给 pawpaw 发送悄悄话 (230 bytes) () 11/14/2008 postreply 10:56:55

• 老鼠会的东东你也买？早出早好 -TV_lover- ♂ 给 TV_lover 发送悄悄话 TV_lover 的博客首页 (0 bytes) () 11/14/2008 postreply 14:47:56

• NewYork Life also sell the VUL product. It is a trap. -MQL- ♂ 给 MQL 发送悄悄话 (423 bytes) () 11/14/2008 postreply 15:58:26

• VUL is a life insurace. Of course you won't be able to -egghead1- ♂ 给 egghead1 发送悄悄话 (239 bytes) () 11/14/2008 postreply 19:57:41

• Lots of people get trapped, thinking withdraw from VUL. -MQL- ♂ 给 MQL 发送悄悄话 (171 bytes) () 11/17/2008 postreply 16:19:39

• Every financial product has it's target. -A-mao- ♂ 给 A-mao 发送悄悄话 A-mao 的博客首页 (2787 bytes) () 11/14/2008 postreply 16:35:08

• DDD!!! -longtermInvestor- ♂ 给 longtermInvestor 发送悄悄话 longtermInvestor 的博客首页 (4 bytes) () 11/14/2008 postreply 18:07:49

• Sorry to hear that. Since you have put in a lot, -Vie_na- ♀ 给 Vie_na 发送悄悄话 (154 bytes) () 11/15/2008 postreply 20:18:09

• 继续投入。 -文学常客- ♀ 给 文学常客 发送悄悄话 (171 bytes) () 11/17/2008 postreply 21:21:21

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