UVL 也不是一点好处也没有吧。

来源: Pinerock 于 2013-10-03 10:21:13 [] [旧帖] [给我悄悄话] 阅读数 : (671 bytes)

几年前被同事推荐买了VUL， 大家给看看是不是被忽悠了。

  • 400K death benefit.
  • monthly put in $750 (can change if I choose).
  • out of $750, $73 is management fee and premium.
  • remaining $677 go to a separate investment account. 
Key benefits:
  • 400K death benefit guaranteed, even you die at age of 99.
  • gains in investment account Tax Free.
  • If got sued, the money in this investment account is non-teachable by greedy lawyers. 

     
Is it  a bad deal ?
 

所有跟帖： 

• 我也买了NYLife 的UVL。 -海魂衫- ♂ 给 海魂衫 发送悄悄话 (0 bytes) () 10/03/2013 postreply 10:36:48

• Good, now you can sue somebody for misinterpretation... -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (412 bytes) () 10/03/2013 postreply 10:39:57

• 回复：Good, now you can sue somebody for misinterpretation... -pinerock- ♂ 给 pinerock 发送悄悄话 (111 bytes) () 10/03/2013 postreply 10:55:18

• The death benefit payout is from the premium part -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (179 bytes) () 10/03/2013 postreply 10:59:32

• still do not understand. -PineRock- ♂ 给 PineRock 发送悄悄话 (0 bytes) () 10/03/2013 postreply 11:05:08

• OK, say for an average case, you are 40 and live another 40 year -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (329 bytes) () 10/03/2013 postreply 11:10:12

• 这个讨论好哇 --企鹅-- ♀ 给 -企鹅- 发送悄悄话 -企鹅- 的博客首页 (32 bytes) () 10/03/2013 postreply 10:59:12

• “guaranteed”？等你拿钱的时候就知道了。 -吃才- ♀ 给 吃才 发送悄悄话 (0 bytes) () 10/03/2013 postreply 10:40:09

• so you saying the insurance will not pay the death benefit if th -PineRock- ♂ 给 PineRock 发送悄悄话 (0 bytes) () 10/03/2013 postreply 11:07:56

• death benefit is guaranteed, regulated by state. 30 yr+ later. -inet-fan- ♂ 给 inet-fan 发送悄悄话 inet-fan 的博客首页 (225 bytes) () 10/03/2013 postreply 11:08:44

• separate investment account由谁操作控制？ -万枫- ♂ 给 万枫 发送悄悄话 万枫 的博客首页 (0 bytes) () 10/03/2013 postreply 10:40:12

• I have access to decide what fund to choose. -PineRock- ♂ 给 PineRock 发送悄悄话 (0 bytes) () 10/03/2013 postreply 10:57:06

• But you could only select from the options -WQPY- ♂ 给 WQPY 发送悄悄话 WQPY 的博客首页 (94 bytes) () 10/03/2013 postreply 11:29:29

• correct. -PineRock- ♂ 给 PineRock 发送悄悄话 (0 bytes) () 10/03/2013 postreply 11:36:36

• out of $750, $73 is management fee。。。。。。。 -吃才- ♀ 给 吃才 发送悄悄话 (42 bytes) () 10/03/2013 postreply 10:44:08

• 这儿懂这个的人很多。我的业余观点 -Bluesea_Bluesea- ♂ 给 Bluesea_Bluesea 发送悄悄话 Bluesea_Bluesea 的博客首页 (478 bytes) () 10/03/2013 postreply 10:47:58

• 保险公司和银行一样，有神马政府机构保证，垮是不会垮滴。。。。 -MrsKwok- ♀ 给 MrsKwok 发送悄悄话 (0 bytes) () 10/03/2013 postreply 10:52:14

• Death policy is insured by reinsurance, investment is not covere -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 10/03/2013 postreply 10:55:19

• 投资类型的当然不会有啦，随市场起伏，额是说整个大都会普天寿啥的公司关门 -MrsKwok- ♀ 给 MrsKwok 发送悄悄话 (66 bytes) () 10/03/2013 postreply 11:00:48

• We need to be careful here. -WQPY- ♂ 给 WQPY 发送悄悄话 WQPY 的博客首页 (425 bytes) () 10/03/2013 postreply 11:17:02

• 额是上了贼船下不了啦，要不血本无归了啦。lol -MrsKwok- ♀ 给 MrsKwok 发送悄悄话 (0 bytes) () 10/03/2013 postreply 11:24:09

• FDIC only covers your savings in the bank, not investment accoun -borisg- ♀ 给 borisg 发送悄悄话 borisg 的博客首页 (0 bytes) () 10/03/2013 postreply 11:28:02

• state guarantee fund takes over if ins.co. files for bankruptcy -wxcclone- ♀ 给 wxcclone 发送悄悄话 wxcclone 的博客首页 (0 bytes) () 10/03/2013 postreply 11:01:34

• What is your avg. inv. ret. rate so far? -wxcclone- ♀ 给 wxcclone 发送悄悄话 wxcclone 的博客首页 (0 bytes) () 10/03/2013 postreply 11:06:49

• similar to SP500. -PineRock- ♂ 给 PineRock 发送悄悄话 (0 bytes) () 10/03/2013 postreply 11:11:28

• give me a number -wxcclone- ♀ 给 wxcclone 发送悄悄话 wxcclone 的博客首页 (0 bytes) () 10/03/2013 postreply 11:17:55

• 讲点我知道的。保险不由FDIC cover，而是各州管理。另外保费 -商场新手- ♂ 给 商场新手 发送悄悄话 商场新手 的博客首页 (812 bytes) () 10/03/2013 postreply 15:12:37

• 回复：其实保险都差不多。保险公司自有自己赚钱的渠道。像汽车、医疗、房屋和term人寿保险等 -biophysics- ♂ 给 biophysics 发送悄悄话 (858 bytes) () 10/03/2013 postreply 20:29:54

• Thanks, it make sense. -pinerock- ♂ 给 pinerock 发送悄悄话 (0 bytes) () 10/03/2013 postreply 21:53:55

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