华为硅谷研究所集成电路实验室(FutureWei, IC lab)招聘模拟电路设计师# EE - 电子工程
g*g
1 楼
看这段话就够了,这都是真实数字,比一谈数字就缩卵的那位靠谱多了。
http://whitecoatinvestor.com/8-reasons-to-avoid-whole-life-insu
The fees are too high.
You don’t pay the fees directly, but you do pay them with lower returns.
For example, the commission on a whole life insurance policy is generally
100% of the first year’s premiums then 6% of premiums every year after that
. That’s money that doesn’t get invested on your behalf. By comparison,
the commission on a term policy is about 50% of the first year’s premiums,
then 4% of premiums after that. It’s pretty easy to see what the financial
incentive is. Sell whole life instead of term, and upgrade the policy at
every opportunity. 100% of a new policy is far better than 6% of an old one
. “But you don’t pay the commissions, the company does” argues the
salesman. Where do you suppose the company gets the money from?
http://whitecoatinvestor.com/8-reasons-to-avoid-whole-life-insu
The fees are too high.
You don’t pay the fees directly, but you do pay them with lower returns.
For example, the commission on a whole life insurance policy is generally
100% of the first year’s premiums then 6% of premiums every year after that
. That’s money that doesn’t get invested on your behalf. By comparison,
the commission on a term policy is about 50% of the first year’s premiums,
then 4% of premiums after that. It’s pretty easy to see what the financial
incentive is. Sell whole life instead of term, and upgrade the policy at
every opportunity. 100% of a new policy is far better than 6% of an old one
. “But you don’t pay the commissions, the company does” argues the
salesman. Where do you suppose the company gets the money from?