s**p 发帖数: 702 | 1 【 以下文字转载自 Money 讨论区 】
发信人: shop (shop), 信区: Money
标 题: 买term life 还是 Permanent life insurance?
发信站: BBS 未名空间站 (Mon Oct 15 03:01:45 2012, 美东)
买term life 还是 Permanent life insurance?
如果夫妻30左右有工作有娃有大量房贷,该买哪个呢?精华区文章http://www.mitbbs.com/bbsann2/life.faq/Money/insurance/lifeinsurFAQ/Life+Insurance+FAQ+Version+0.2说这种情况该买term,可是我有点不明白的是,如果买了30年的term,30年之后等我们60的时候再转为Permanent,岂不是因为年龄很大需要多花很多钱才能转啊?为什么不能直接买个Permanent呢?
还有一个基本问题:是不是不管term还是permanent,病死都会赔钱啊?那就是说
permanent不管怎么死的都会赔钱,所以还是应该买permanent啊。请指教,谢谢! | y****i 发帖数: 778 | 2 Term life. Because whole life insurance is much more expensive than term
life insurance. 30 year, 500k$ for each person if you are double income.
After 30 year, your children will earn money by themselves. 25-30 is the
best time for 30 year term life. All whole life insurance is not worth the
extra premium, you should save and invest the extra money by yourself. | g*****g 发帖数: 34805 | 3 In 30 years, your kids are on their own. You are debt free. What's the point
of having insurance?
Insurance is not an investment. It's throwing away money to be prepared for
worst case scenario. You want to pay just enough for that purpose and not
more.
【在 s**p 的大作中提到】 : 【 以下文字转载自 Money 讨论区 】 : 发信人: shop (shop), 信区: Money : 标 题: 买term life 还是 Permanent life insurance? : 发信站: BBS 未名空间站 (Mon Oct 15 03:01:45 2012, 美东) : 买term life 还是 Permanent life insurance? : 如果夫妻30左右有工作有娃有大量房贷,该买哪个呢?精华区文章http://www.mitbbs.com/bbsann2/life.faq/Money/insurance/lifeinsurFAQ/Life+Insurance+FAQ+Version+0.2说这种情况该买term,可是我有点不明白的是,如果买了30年的term,30年之后等我们60的时候再转为Permanent,岂不是因为年龄很大需要多花很多钱才能转啊?为什么不能直接买个Permanent呢? : 还有一个基本问题:是不是不管term还是permanent,病死都会赔钱啊?那就是说 : permanent不管怎么死的都会赔钱,所以还是应该买permanent啊。请指教,谢谢!
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