请问这种term life 算高还是低？ (转载) - 未名空间MITBBS历史存档

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请问这种term life 算高还是低？ (转载)

请问这种term life 算高还是低？ (转载)# Money - 海外理财

c*t2017-06-14 07:06

1 楼

【以下文字转载自 Investment 讨论区】
发信人: chefscut (jerk), 信区: Investment
标题: 请问这种term life 算高还是低？
发信站: BBS 未名空间站 (Wed Jun 14 20:48:55 2017, 美东)
20年term life
男age 35, 25-39 per month for 250,000
Or 37-62 per month for 500,000
女age 32, 18.31-29.56 per month for 250,000
Or 27-45.60 per month for 500,000
这个价格range合理吗？

s*a2017-06-14 07:06

2 楼

差不多
term is a waste of money; it does not build cash value

y*i2017-06-14 07:06

3 楼

seems too high
try this
https://www.quickquote.com/

【在 c******t 的大作中提到】

: 【以下文字转载自 Investment 讨论区】
: 发信人: chefscut (jerk), 信区: Investment
: 标题: 请问这种term life 算高还是低？
: 发信站: BBS 未名空间站 (Wed Jun 14 20:48:55 2017, 美东)
: 20年term life
: 男age 35, 25-39 per month for 250,000
: Or 37-62 per month for 500,000
: 女age 32, 18.31-29.56 per month for 250,000
: Or 27-45.60 per month for 500,000
: 这个价格range合理吗？

g*l2017-06-14 07:06

4 楼

try this, probably the best that i found
http://www.term4sale.com/
plain vanilla term life's pricing is pretty much the same across agent
so you should get the same pricing from the web or from agent.
if an agent is pricing higher than online site, there is probably wrong with
the agent and you might want to find someone else.
also if you pay one year at a time, than monthly, you can a small discount.

y*i2017-06-14 07:06

5 楼

insurance industry is highly regulated
if one fails, another will take over

y*i2017-06-14 07:06

6 楼

different companies have different underwriting guidelines so the premiums
could vary quite a bit

with
.

【在 g**********l 的大作中提到】

: try this, probably the best that i found
: http://www.term4sale.com/
: plain vanilla term life's pricing is pretty much the same across agent
: so you should get the same pricing from the web or from agent.
: if an agent is pricing higher than online site, there is probably wrong with
: the agent and you might want to find someone else.
: also if you pay one year at a time, than monthly, you can a small discount.

c*t2017-06-14 07:06

7 楼

如果该公司offer了一些其他优惠比如车险打折，是不是其实是在骗上钩然后使劲整？
Term life有必要吗？如果没有，为什么？正确的应对死亡风险的方法是什么呢？

y*i2017-06-14 07:06

8 楼

the beauty of term life insurance policy is its simplicity
once you sign it there is no change
it is a must if you are the breadwinner of your family

【在 c******t 的大作中提到】

: 如果该公司offer了一些其他优惠比如车险打折，是不是其实是在骗上钩然后使劲整？
: Term life有必要吗？如果没有，为什么？正确的应对死亡风险的方法是什么呢？

c*t2017-06-14 07:06

9 楼

Two income呢？我觉得总觉得我挂了岂不是给别人用？
可以指定受益人吧

【在 y****i 的大作中提到】

: the beauty of term life insurance policy is its simplicity
: once you sign it there is no change
: it is a must if you are the breadwinner of your family

y*i2017-06-14 07:06

10 楼

depends on whether or not your surviving spouse/children/parents can live
comfortably on single income
of course, it benefits your loved ones
yes

【在 c******t 的大作中提到】

: Two income呢？我觉得总觉得我挂了岂不是给别人用？
: 可以指定受益人吧