有人了解IUL保险么，值得买么

30出头，准备买保险，在term和IUL之间犹豫不绝，term很便宜，可是IUL似乎能留更多的钱给孩子

agent给我画的大饼如下：

1.2M的IUL，头四年付清，每年~4W，从第20年开始支取2W一年,可以取30年，身后还可以留2M无税的保金给孩子

2.1M的IUL，头四年付清，每年~3W，从第25年开始支取2W一年...

3.0.5M的IUL，头四年付清，每年~2W，从第25年开始支取2W一年...

 

我原先计划买50W的term的，现在有些倾向IUL，大家帮忙看下，那个好

所有跟帖： 

• you'd better take care of your own money -小心翼翼的小地主- ♀ (56 bytes) () 01/18/2012 postreply 17:50:44

• 回复：you'd better take care of your own money -Money- ♀ (257 bytes) () 01/18/2012 postreply 18:22:03

• 不在乎买哪个，关键是要有保险 -朱哥靓- ♂ (217 bytes) () 01/18/2012 postreply 17:56:27

• 回复：There are assumptions in each case- -ZhangZhouDaTou- ♀ (602 bytes) () 01/18/2012 postreply 18:22:19

• 回复：回复：There are assumptions in each case- -Money- ♀ (289 bytes) () 01/18/2012 postreply 18:38:23

• 回复：你的想法对 -jzc- ♂ (325 bytes) () 01/18/2012 postreply 18:51:01

• 回复：回复：你的想法对 -jzc- ♂ (172 bytes) () 01/18/2012 postreply 19:01:56

• 回复：回复：回复：你的想法对 -Money- ♀ (391 bytes) () 01/18/2012 postreply 19:15:01

• You can buy IUL if it is guaranteed -naive2- ♀ (124 bytes) () 01/18/2012 postreply 19:18:04

• 谢谢，请问为什么会loss? 就是怕上当，所以在TERM和IUL之间犹豫 -Money- ♀ (0 bytes) () 01/18/2012 postreply 19:20:30

• The mangement fee are sky high -naive2- ♀ (181 bytes) () 01/18/2012 postreply 19:27:02

• as to life insurance... -jy101- ♂ (1348 bytes) () 01/18/2012 postreply 19:30:29

• 回复：as to life insurance... -jy101- ♂ (5460 bytes) () 01/18/2012 postreply 19:39:54

• the only reason your agent wants to sell you a high premium poli -jy101- ♂ (176 bytes) () 01/18/2012 postreply 19:45:14

• 谢谢！分析的非常清楚！！！另外一个懒人的投资问题 -Money- ♀ (208 bytes) () 01/18/2012 postreply 19:46:59

• Buy index fund and hold long enough -naive2- ♀ (0 bytes) () 01/18/2012 postreply 19:56:52

• it depends -mxi- ♀ (693 bytes) () 01/19/2012 postreply 11:04:16

• buy term, because most of the term life insurance have conversio -heather2010- ♀ (0 bytes) () 01/19/2012 postreply 18:24:32

• Points to ponder -jingnong2011- ♂ (1173 bytes) () 01/19/2012 postreply 22:23:48

• a simple answer and a complex answer. -autumnmoon- ♀ (780 bytes) () 01/20/2012 postreply 08:50:09

• IUL 不上遗产税吗？　现在遗产有５ＭＭ　ＥＸＣＥＭＰＴ -PaulBunyan- ♂ (250 bytes) () 01/20/2012 postreply 11:28:03