Re: 买了VUL才知道这个东西不适合我们，该退出来么 - 未名空间MITBBS历史存档

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Re: 买了VUL才知道这个东西不适合我们，该退出来么

Re: 买了VUL才知道这个东西不适合我们，该退出来么# Money - 海外理财

b*b2005-08-14 07:08

1 楼

No! Don't cancel (surrender) and don't pay surrender charge. The surrendar
charge is not what you have to pay to them, but the maximum you will lose given
you have such amount of cash value in your account. It'll decrease after 5
years and vanish after 15 years.
I am glad that you finally realized it's a mistake. If you only have $4000 and
probably just started a year ago, the best way to exit is just to stop
contribution, and make right investment choice and hope to delay the lapse,
which will

r*r2005-08-14 07:08

2 楼

I dont' think you need to cancel it right now, maybe you can keep making
minimum payment or make no contribution until policy lapses.If you have WRL
policy, say $500K face amount, usually they waive the premium expense(which is
not bad at all, if you check other companies' VUL, they may charge you a few
% premium expense). But you also need to consider one thing, if you cancel
your policy a few years later(or policy lapses), besides surrender charge etc,
you'll also pay tax on the earning part o

b*b2005-08-14 07:08

3 楼

I delete them all but one left.
About the above question, don't contribute a penny and let the Cash value pays
the cost of insurance and administration charge.

b*b2005-08-14 07:08

4 楼

You should talk to your agent to lower your insurance benefit to $50K right
now, if you really want to make it last longer (but a higher portion of money
will go to administration fees).
No, you don't need to pay any more, and it'll be terminated automatically.