你说的Universal Life 是Variable Universal Life Insurance? 是同一回事吗?正 好手边在读这期的Money,刚好有看到标题“when is it worth buying a variable univeral life policy”,Money 完全不推荐啊。
【在 f**e 的大作中提到】 : Have you thought about universal life? We are quoting from AAA now. It : sounds better and more affordable than metlife.
f*e
16 楼
correct. 主申请人485批了,附申请人没有批,那她就不能用H4 回来了 If her 485 could be approved, yes, you could mail it to China and come back with green card. But, you have to make sure there is no RFE during this period, thought small probability. No, you could not mail AP, Customers could check whehter you leave USA before AP is approved or not. Someone leave USA before AP approved and no problem, but take your risk, since the application requirement mention if you leave before approval, then ... normall 2-3 months, but you could request expedite processing with some good reasons, also ask senator for help
You should go to investment board or money board to ask around. In general universal life is a big trap to average family. Very very bad idea.
【在 f**e 的大作中提到】 : Have you thought about universal life? We are quoting from AAA now. It : sounds better and more affordable than metlife.
d*g
18 楼
谢谢你详细的答复。 Happy New Year.
back good
【在 f******e 的大作中提到】 : correct. 主申请人485批了,附申请人没有批,那她就不能用H4 回来了 : If her 485 could be approved, yes, you could mail it to China and come back : with green card. But, you have to make sure there is no RFE during this : period, thought small probability. : No, you could not mail AP, Customers could check whehter you leave USA : before AP is approved or not. Someone leave USA before AP approved and no : problem, but take your risk, since the application requirement mention if : you leave before approval, then ... : normall 2-3 months, but you could request expedite processing with some good : reasons, also ask senator for help
f*e
19 楼
I read some old posts, but cannot find much very userful information of univeral life insurance. However, people warns against VUL. Do you mistake UL of VUL? The tricky parts of univeral life I find so far are guaranteed cash value within 35 years is a very bad investment, merely a small portion of your accumulated premium, and both cash value and death benefit go to zero after 35 years. The agent explains it only happens in extreme cases such as economy is very bad, company file bankrupcy and so on and I should be more focusing on non-guaranteed part, which I have to admit it is a sweet offer. My fear is since it is non-guaranteed, thus totally under their own interpretation at the end of the day. You cannot argue even they cheat. Do I miss anything? Can you kindly explain a bit more if you happen to know?
【在 s**********a 的大作中提到】 : You should go to investment board or money board to ask around. : In general universal life is a big trap to average family. Very very bad : idea.
【在 f******e 的大作中提到】 : correct. 主申请人485批了,附申请人没有批,那她就不能用H4 回来了 : If her 485 could be approved, yes, you could mail it to China and come back : with green card. But, you have to make sure there is no RFE during this : period, thought small probability. : No, you could not mail AP, Customers could check whehter you leave USA : before AP is approved or not. Someone leave USA before AP approved and no : problem, but take your risk, since the application requirement mention if : you leave before approval, then ... : normall 2-3 months, but you could request expedite processing with some good : reasons, also ask senator for help
【在 c*********d 的大作中提到】 : 谢谢楼上各位的好心答复。 : 再请问一下,副申请人不在美国,而是在国内工作,会比较容易导致485 RFE吗?需要 : 在申请里特别解释吗? : : back : good
a*a
23 楼
me too
【在 R*C 的大作中提到】 : 我家买了metlife的
f*e
24 楼
no 需要 no
【在 c*********d 的大作中提到】 : 谢谢楼上各位的好心答复。 : 再请问一下,副申请人不在美国,而是在国内工作,会比较容易导致485 RFE吗?需要 : 在申请里特别解释吗? : : back : good
b*h
25 楼
不一一回帖,统一感谢了哈,回头搞定再写总结哈。再谢
s*s
26 楼
赞回复!
back good
【在 f******e 的大作中提到】 : correct. 主申请人485批了,附申请人没有批,那她就不能用H4 回来了 : If her 485 could be approved, yes, you could mail it to China and come back : with green card. But, you have to make sure there is no RFE during this : period, thought small probability. : No, you could not mail AP, Customers could check whehter you leave USA : before AP is approved or not. Someone leave USA before AP approved and no : problem, but take your risk, since the application requirement mention if : you leave before approval, then ... : normall 2-3 months, but you could request expedite processing with some good : reasons, also ask senator for help
R*C
27 楼
Re, term life联邦是不保的,也就是如果保险公司小的话,万一倒闭了,联邦不会赔 钱的。 Metlife的价格算适中吧,不算最便宜的,也不算最贵的