那种保险可以cover全部或部分种牙费用? - 未名空间MITBBS历史存档

国际科技财经博客移民网络热点娱乐民生时事公众号

Redian新闻

>未名空间

>Medicine - 求医问药

那种保险可以cover全部或部分种牙费用?

那种保险可以cover全部或部分种牙费用?# Medicine - 求医问药

h*d2009-11-29 08:11

1 楼

产品之一：
６年的：每年的第一天可以在下面三种之一转换：
１）４。５％固定的收益
２）一年Ｓ＆Ｐ５００ＬＩＮＫＥＤ：最高７.２％，最低１.９％
３）两年Ｓ＆Ｐ５００ＬＩＮＫＥＤ：最高１９％，最低>2%（具体忘记了）
产品之二：
５年的，Ｓ＆Ｐ５００ＬＩＮＫＥＤ，如果Ｓ＆Ｐ５００正，7。5％，否则１.９％
产品之三：（很复杂）
１０年的，你有两个独立账户：
１）Ｓ＆Ｐ５００ＬＩＮＫＥＤ，最高８％，最低０％--每年可以CASH-OUT一定比例。
10年后可以全部CASH-OUT
２）７.２％固定收益。（１０年翻倍）--永远不可以一次性CASH-OUT
任何CASH-OUT都将在两个账户里面同时扣除相同的VALUE.
到期时，
Option1:可以继续，（两个账户独立继续）
Option2:可以ＣＡＳＨ账户１）中所有现金，（如果账户１）多于账户２），当然选他
Option3:可以把2）的价值转变成FIXED INCOME账户，每月拿一定百分比到死亡。这
CASH-OUT也将同时从账户1）中扣除，如果帐户1）成为了0，你仍然可以继续因为CASH-
OUT是按照2）算得。如果后来帐户1）上涨很多

s*02009-11-29 08:11

2 楼

有一颗牙没牙根,感觉有松动的迹象,很惊恐..如果掉了的话,想种一颗..可是听说价格
惊人..想问一下有没有比较好的保险可以cover多一些费用?谢谢!!!
刚看了一个叫delta PPO的保险.。只能10个人以上一起才能参加?

s*d2009-11-29 08:11

3 楼

I have not bought annuity but I did glance over some reading materials on
this stuff once. My general impression is that there are a lot of gray areas
and fees and what not often eat into your profit. Conceptually it is a
simple product - the insurance company trades risks and unknowns, such as
your death time, with you. But once they start to pile on different
conditions and restrictions, I'd be skeptical. You really should read all
the fine prints and understand how you are being charged (how

【在 h****d 的大作中提到】

: 产品之一：
: ６年的：每年的第一天可以在下面三种之一转换：
: １）４。５％固定的收益
: ２）一年Ｓ＆Ｐ５００ＬＩＮＫＥＤ：最高７.２％，最低１.９％
: ３）两年Ｓ＆Ｐ５００ＬＩＮＫＥＤ：最高１９％，最低>2%（具体忘记了）
: 产品之二：
: ５年的，Ｓ＆Ｐ５００ＬＩＮＫＥＤ，如果Ｓ＆Ｐ５００正，7。5％，否则１.９％
: 产品之三：（很复杂）
: １０年的，你有两个独立账户：
: １）Ｓ＆Ｐ５００ＬＩＮＫＥＤ，最高８％，最低０％--每年可以CASH-OUT一定比例。

m*r2009-11-29 08:11

4 楼

费用如何？

S*n2009-11-29 08:11

5 楼

no,no,no, ALL annuity insurance companies are fucked up big time.
And Turbo-tax-Timmy doesn't have enough $$ to bail them out.

【在 h****d 的大作中提到】

h*d2009-11-29 08:11

6 楼

There is no fees. They make money by: capping your gain and eating the
dividends, and their risk is when the market goes down they have to provide
the protection.

【在 m**********r 的大作中提到】

: 费用如何？

h*d2009-11-29 08:11

7 楼

Thanks for your suggestion. Some advisers think fixed annuity is a good
product since they are simple, carry little risk while provide tax-deferred
income. And they are protected (kinda of insured) by the state government.

areas
is

【在 s*******d 的大作中提到】

: I have not bought annuity but I did glance over some reading materials on
: this stuff once. My general impression is that there are a lot of gray areas
: and fees and what not often eat into your profit. Conceptually it is a
: simple product - the insurance company trades risks and unknowns, such as
: your death time, with you. But once they start to pile on different
: conditions and restrictions, I'd be skeptical. You really should read all
: the fine prints and understand how you are being charged (how