好象跑题了吧, 呵呵.
不过既然说到从保险里"拿钱"出来, 这是个我最近刚在IUL thread 里着重谈到的一个
话题, 我想讲几点看法供大家参考:
1. "Borrow money" from life insurance vs. "borrow money" from "401k" account.
Both borrowing will have consequence on your account's cash value build up,
but "borrow money" from life insurance has two bad consequences most
consumers aren't aware of:
a) Your insurance premium will go up (from this sense, this borrowing is NOT
free).
b) If you die during the period, your borrowed amount will be deducted from
life insurance's payout.
2. One can only "borrow money" from permanent life insurance policies that
have cash value build ups.
However, many discussion threads in this board have made it very clear - for
ordinary families, it's a BAD idea to purchase any permanent life policy,
because if you do, you just added a part time job for yourself - work for
your agent and insurance company.
Enough said.
3. Term plus index ETF investment is the smart way most families should use
when it comes to prepare for unforeseen incidents and retirement needs.