this is a hard question to answer.....

来源: jy101 于 2010-10-28 19:18:06 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (914 bytes)
回答: 请教一个保险的问题 由 JR98 于 2010-10-28 18:11:33

this is a hard question to answer.....

the bottom line is you can not completely trust the illstration the agent print out, which they just a rainbow in the sky for you..

the premium consisted of 3 parts, cost of insurance, administrator fee, and investment portion, so when you compare the two policy, you can not just look at the total premium, the key point is the cost of insurance.

also, the guarantee interest rate on your investments, I had seen older policy guarantee as high as 7%, but newer policy low as 2%..

the last thing is life insurance policy is an underwriting product, which is guanrantee by your state, if the company went belly up, the state pool will guanrantee this policy for its face value only, meaning anything beyond the face value, such as your investment value is gone down the toilet.

 

 

 

 

所有跟帖： 

• haha, my life as an insurance agent.... -jy101- ♂ 给 jy101 发送悄悄话 jy101 的博客首页 (3182 bytes) () 10/28/2010 postreply 19:24:08

• The only thing changing is "different" -Conehead- ♂ 给 Conehead 发送悄悄话 Conehead 的博客首页 (263 bytes) () 10/28/2010 postreply 19:29:57

• I can't believe your WL is so cheap..... -JR98- ♂ 给 JR98 发送悄悄话 JR98 的博客首页 (33 bytes) () 10/28/2010 postreply 19:36:49

• Actually your WL premium sounds like a TL premium. -JR98- ♂ 给 JR98 发送悄悄话 JR98 的博客首页 (0 bytes) () 10/28/2010 postreply 19:42:45

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