M*g
2 楼
life没有好的，买term
【在 J*y 的大作中提到】
: 三十来岁，身体健康，有娃。以前从来没有考虑过。现在开始考虑。推荐一下吧。
【在 J*y 的大作中提到】
: 三十来岁，身体健康，有娃。以前从来没有考虑过。现在开始考虑。推荐一下吧。
J*y
3 楼
20 年的就够了吧。
具体说说，哪家好。谢谢。
【在 M****g 的大作中提到】
: life没有好的，买term
具体说说，哪家好。谢谢。
【在 M****g 的大作中提到】
: life没有好的，买term
C*N
4 楼
公司买的一般是life 还是term?
y*i
5 楼
If you want return of premium (ROP), try 30 year instead of 20 year because
of compound interest. My $500k 30 year ROP term life premium is $50 a month,
starting at 31 as non-smoking man. My wife choose $500k term w/o ROP from
Metlife and premium is 300$ a year, from 28 year old as a F1 student. Some
insurance companies do not provide ROP term for F1 or H1. My lowest
quotation was from AIG but finally chose Genworth because they accept H1 for
ROP term at that time. You can quote online and in my case a local broker
stopped by and showed me his quote was the same as mine. We tried 20, 30
year term and 20, 30 year ROP. ING or AIG were the lowest in each group.
Later he figured out only Genworth can do ROP for H1 and monthly payment is
only $2 more than AIG. So I accepted that and scheduled the blood test. That
was 2008, hope this information is still useful.
【在 J*y 的大作中提到】
: 三十来岁，身体健康，有娃。以前从来没有考虑过。现在开始考虑。推荐一下吧。
of compound interest. My $500k 30 year ROP term life premium is $50 a month,
starting at 31 as non-smoking man. My wife choose $500k term w/o ROP from
Metlife and premium is 300$ a year, from 28 year old as a F1 student. Some
insurance companies do not provide ROP term for F1 or H1. My lowest
quotation was from AIG but finally chose Genworth because they accept H1 for
ROP term at that time. You can quote online and in my case a local broker
stopped by and showed me his quote was the same as mine. We tried 20, 30
year term and 20, 30 year ROP. ING or AIG were the lowest in each group.
Later he figured out only Genworth can do ROP for H1 and monthly payment is
only $2 more than AIG. So I accepted that and scheduled the blood test. That
was 2008, hope this information is still useful.
【在 J*y 的大作中提到】
: 三十来岁，身体健康，有娃。以前从来没有考虑过。现在开始考虑。推荐一下吧。
J*y
6 楼
thanks
because
month,
for
is
【在 y****i 的大作中提到】
: If you want return of premium (ROP), try 30 year instead of 20 year because
: of compound interest. My $500k 30 year ROP term life premium is $50 a month,
: starting at 31 as non-smoking man. My wife choose $500k term w/o ROP from
: Metlife and premium is 300$ a year, from 28 year old as a F1 student. Some
: insurance companies do not provide ROP term for F1 or H1. My lowest
: quotation was from AIG but finally chose Genworth because they accept H1 for
: ROP term at that time. You can quote online and in my case a local broker
: stopped by and showed me his quote was the same as mine. We tried 20, 30
: year term and 20, 30 year ROP. ING or AIG were the lowest in each group.
: Later he figured out only Genworth can do ROP for H1 and monthly payment is
because
month,
for
is
【在 y****i 的大作中提到】
: If you want return of premium (ROP), try 30 year instead of 20 year because
: of compound interest. My $500k 30 year ROP term life premium is $50 a month,
: starting at 31 as non-smoking man. My wife choose $500k term w/o ROP from
: Metlife and premium is 300$ a year, from 28 year old as a F1 student. Some
: insurance companies do not provide ROP term for F1 or H1. My lowest
: quotation was from AIG but finally chose Genworth because they accept H1 for
: ROP term at that time. You can quote online and in my case a local broker
: stopped by and showed me his quote was the same as mine. We tried 20, 30
: year term and 20, 30 year ROP. ING or AIG were the lowest in each group.
: Later he figured out only Genworth can do ROP for H1 and monthly payment is
p*5
7 楼
prudential, ing life, american general
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