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ilp vs 传统保单 对吗?
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Traditional Life Insurance VS ILP
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1.TLI - No Feedom to choose own investment strategy as it has only one fund. (fund management fee 也是要还)
- Life Fund 30% equity & 70% low risk Investment
ILP 有Equity、Bond、balanced & islamic fund to Switching.
2. TLI - only invest in Life-Fund which is veru conservative and could gives only 2-4% annual return.
ILP - a flexible investment managed but professional Fund Manager
(2009一年都超过50%)
3. TLI - Protection is affected when premium is reduced.
Policy lapsed if premium is not paid.
(有些需要把欠的钱和利息还了才可以断保)
ILP - 以前4PAA(ILP名称)还有Premium Holiday without affecting Protection.
4. TLI - Take policy load 8% interest being charged when cash is needed urgently.
ILP - Withdrawal can be made any time without interest being charged.
5. Purchase a new policy to increase investment or buy another policy to meet changing needs.
policy may lapse when not able to continue paying premium when financial difficulty arises.
ILP - reduce\ increase protection, single premium top-up, regular top up or cancelled can be made any time.
6. TLI - No switching benefit and therefore return remain the same. |
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发表于 20-1-2017 08:04 AM
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如果可以就买两个
如果不能就买ILP
想知道更详细的可以私聊我
很少在论坛发言详细的东西
继续加油讨论,不打扰了 |
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发表于 20-1-2017 09:31 AM
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楼主 |
发表于 23-1-2017 03:09 PM
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我去surrender了。请问会退回全部保费吗?
policy date和agent submit的不一样。15天free lock period
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发表于 23-1-2017 03:23 PM
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个有个好处。。。。。。如果拿ILP,把那些不是很适合的riders拿掉,保费就没有那么高。
我还是会选择ILP的,只是要看好好自己适合什么riders罢了。 |
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发表于 23-1-2017 10:53 PM
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发表于 24-1-2017 08:01 AM
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比如hospital income, spouse (尤其是双方都有工作的话,spouse waiver不是那么需要的)之类的,它们的保费都蛮高的。
我买ILP主要原因是要medical card renewable,ILP其他部分如Life, Critical illness我选择保障最低的数额(我另外买),及PA也是独立买。
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发表于 24-1-2017 09:54 AM
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饼干及面包 发表于 24-1-2017 08:01 AM
比如hospital income, spouse (尤其是双方都有工作的话,spouse waiver不是那么需要的)之类的,它们的保费都蛮高的。
我买ILP主要原因是要medical card renewable,ILP其他部分如Life, Critical illness我选择 ...
请问你哪里买CI, PA,LIFE等等?谢谢。。
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发表于 24-1-2017 09:59 AM
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CI/LIFE,我买GE的,他们有一个plan是保障高保费比较低。PA就买pru(基本上每家PA的保费保障都是相差无几,每100K保障,保费大约100++每年)。
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发表于 24-1-2017 02:34 PM
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饼干及面包 发表于 24-1-2017 09:59 AM
CI/LIFE,我买GE的,他们有一个plan是保障高保费比较低。PA就买pru(基本上每家PA的保费保障都是相差无几,每100K保障,保费大约100++每年)。
你的life/ci是傳統保單的嗎?
non participating? 有現金那種?
還是Term life? CI 是rider?
pa我問到在ilp裡的會比較貴,
是這樣設計的嗎? |
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发表于 24-1-2017 02:43 PM
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Life/CI,我買的是Vantage Early Plan,詳情你詢問GE的agent比較好。
PA,如果放在ILP會貴很多,買standalone就可以了。
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楼主 |
发表于 26-1-2017 04:22 PM
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饼干及面包 发表于 24-1-2017 08:01 AM
比如hospital income, spouse (尤其是双方都有工作的话,spouse waiver不是那么需要的)之类的,它们的保费都蛮高的。
我买ILP主要原因是要medical card renewable,ILP其他部分如Life, Critical illness我选择 ...
你是买ilp medical card再加pa,life,36 Critical Illnesses ? |
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