On the trial day of my divorce case, my then-soon-to-be-ex's life insurance agent (WFG of course) attacked me in the court building just in front of the court room, and the agent (a woman) also attacked, both physically and verbally, one of my witnesses, a man, and she also threatened my other witnesses not to testify for me.
【在 S***e 的大作中提到】 : On the trial day of my divorce case, my then-soon-to-be-ex's life insurance : agent (WFG of course) attacked me in the court building just in front of the : court room, and the agent (a woman) also attacked, both physically and : verbally, one of my witnesses, a man, and she also threatened my other witnesses not to testify for me.
S*e
24 楼
The agent--not the judge--judged that those life insurance policies have nothing to do with me. Eventually, I keep all my retirements. I guess the agent has personal disorder.
【在 c********d 的大作中提到】 : 哦,这一点很有趣。他们攻击你是因为你要动你前妻的VUL、IUL之类的藏在保险里面的 : 钱吗?如果是的话,那么后来这钱如何了? : : insurance : the : witnesses not to testify for me.
I think it depends on the agent. My wife and I both bought the IUL but at the ten days review I withdrew my insurance. The agent was pretty cool about that. She just sent me the form and I signed. Every product has their pro and cons. I cannot say it's good or bad. You have your own judgement to buy or not. Basically, this is not a bad product but you need to have strategy to deal with.
On the trial day of my divorce case, my then-soon-to-be-ex's life insurance agent (WFG of course) attacked me in the court building just in front of the court room, and the agent (a woman) also attacked, both physically and verbally, one of my witnesses, a man, and she also threatened my other witnesses not to testify for me.
【在 S***e 的大作中提到】 : On the trial day of my divorce case, my then-soon-to-be-ex's life insurance : agent (WFG of course) attacked me in the court building just in front of the : court room, and the agent (a woman) also attacked, both physically and : verbally, one of my witnesses, a man, and she also threatened my other witnesses not to testify for me.
S*e
51 楼
The agent--not the judge--judged that those life insurance policies have nothing to do with me. Eventually, I keep all my retirements. I guess the agent has personal disorder.
【在 c********d 的大作中提到】 : 哦,这一点很有趣。他们攻击你是因为你要动你前妻的VUL、IUL之类的藏在保险里面的 : 钱吗?如果是的话,那么后来这钱如何了? : : insurance : the : witnesses not to testify for me.
I think it depends on the agent. My wife and I both bought the IUL but at the ten days review I withdrew my insurance. The agent was pretty cool about that. She just sent me the form and I signed. Every product has their pro and cons. I cannot say it's good or bad. You have your own judgement to buy or not. Basically, this is not a bad product but you need to have strategy to deal with.
too many wfg agents sell this like 老鼠会 does. maybe wfg as a whole is not a 老鼠会, but the portion that expose themselves to the chinese low/medium low income community IS a 老鼠会. this topic gets talked year after year after year. very many people bought and found out it's not a product for people like them, comparing to very few that bought and thought it was a correct move. you can argue that it was not the agent's fault. just those people who bought the wrong product are plain stupid.
themselves few 都无语了,你看LZ自己状况,3年付清买50万保险,差不多要掏10万CASH,真当自己年收入 100K+了?你买房不还mortgage看看什么结果
【在 G****s 的大作中提到】 : too many wfg agents sell this like 老鼠会 does. : maybe wfg as a whole is not a 老鼠会, but the portion that expose themselves : to the chinese low/medium low income community IS a 老鼠会. : this topic gets talked year after year after year. very many people bought : and found out it's not a product for people like them, comparing to very few : that bought and thought it was a correct move. : you can argue that it was not the agent's fault. just those people who : bought the wrong product are plain stupid.
中产才是买保险的主力,家庭年收入50K-150K买的很多,买cash value life insurance,人家都选的是10-15年pay,50万保险,每个月lock rate就pay 200-300,看 市场表现,至少8年左右才能拿回本+免税的收益(floor一般是1%),我估计LZ俩学生 刚工作夫妻一人买一个50万的,3年付清,算起来要掏20万cash,这不搞笑么
too many wfg agents sell this like 老鼠会 does. maybe wfg as a whole is not a 老鼠会, but the portion that expose themselves to the chinese low/medium low income community IS a 老鼠会. this topic gets talked year after year after year. very many people bought and found out it's not a product for people like them, comparing to very few that bought and thought it was a correct move. you can argue that it was not the agent's fault. just those people who bought the wrong product are plain stupid.
themselves few 都无语了,你看LZ自己状况,3年付清买50万保险,差不多要掏10万CASH,真当自己年收入 100K+了?你买房不还mortgage看看什么结果
【在 G****s 的大作中提到】 : too many wfg agents sell this like 老鼠会 does. : maybe wfg as a whole is not a 老鼠会, but the portion that expose themselves : to the chinese low/medium low income community IS a 老鼠会. : this topic gets talked year after year after year. very many people bought : and found out it's not a product for people like them, comparing to very few : that bought and thought it was a correct move. : you can argue that it was not the agent's fault. just those people who : bought the wrong product are plain stupid.
中产才是买保险的主力,家庭年收入50K-150K买的很多,买cash value life insurance,人家都选的是10-15年pay,50万保险,每个月lock rate就pay 200-300,看 市场表现,至少8年左右才能拿回本+免税的收益(floor一般是1%),我估计LZ俩学生 刚工作夫妻一人买一个50万的,3年付清,算起来要掏20万cash,这不搞笑么
+1 When I withdrew mine, my agents was pretty cool, too. No questions asked. So I stayed with him, and bought a policy from him a couple of years later.
about buy
【在 c******s 的大作中提到】 : : I think it depends on the agent. My wife and I both bought the IUL but at : the ten days review I withdrew my insurance. The agent was pretty cool about : that. She just sent me the form and I signed. Every product has their pro : and cons. I cannot say it's good or bad. You have your own judgement to buy : or not. Basically, this is not a bad product but you need to have strategy : to deal with.
+1 When I withdrew mine, my agents was pretty cool, too. No questions asked. So I stayed with him, and bought a policy from him a couple of years later.
about buy
【在 c******s 的大作中提到】 : : I think it depends on the agent. My wife and I both bought the IUL but at : the ten days review I withdrew my insurance. The agent was pretty cool about : that. She just sent me the form and I signed. Every product has their pro : and cons. I cannot say it's good or bad. You have your own judgement to buy : or not. Basically, this is not a bad product but you need to have strategy : to deal with.
没有经济实力就不要玩这些,这些不适合刚工作又想来快钱的主。 反正我因为看过教会一个老奶奶买的 long term care work 了。佣人在她90多岁最后 的日子里来她家照顾她。当然她不是买wfg的产品。她儿子女儿医生律师做着,很忙, 小辈根本不能照顾他 分分秒秒。 但是人家住在犹太公寓里,和犹太老人住一栋楼。那些犹太老人都把自己老年打理得很 好。不用儿女操心。 因此,我要在继续看看,搞懂它。 只能说你遇到无良代理了。我以前也遇到过。不过不是 wfg的。当时那个代理真是连蒙 带骗。最后我们写了申诉材料,由她上线的代理帮忙,才把钱要回来。但是人不能因为 吃饭噎着了,就永远不吃饭?