來源:ptt money板
￣￣￣￣￣￣￣￣￣
資料來源：CNNMoney.Com（http://0rz.tw/463DZ）
￣￣￣￣￣￣
Lesson：20
Title ：Top things to know
==========================================================
Top things to know
1. All policies fall into one of two camps.
There are term policies, or pure insurance coverage.
And there are the many variants of whole life, which
combine an investment product with pure term insurance
and build cash value.
2. Insurance is sold, not bought.
￣￣￣￣￣￣￣￣￣
Agents sell the vast majority of life policies written
in the U.S. because the life insurance industry has a
vested interest in pushing high-commission (and high-profit)
whole-life policies.
3. Whole life is expensive.
Policies with an investment component cost many times
more than term policies. As a result, many people who
buy whole life often can't afford an adequate face value,
leaving themselves underinsured.
4. Whole-life policies are built on assumptions.
The returns quoted by the agent are simply guesses -
not reality. And some companies keep these guesses of
future returns on the high side to attract more buyers.
5. Keep your investing and insurance strictly separate.
￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣￣
There are better places to invest - and without the
high commissions of whole-life policies.
6. Buy enough term coverage to fill your needs.
￣￣￣￣￣￣￣￣￣￣￣￣
Life insurance is no place to skimp, especially with
rates at historic lows.
7. Match the term of the policy to your needs.
You want the policy to last as long as it takes for
your dependents to leave the nest - or for your
retirement income to kick in.
8. Buy when you're healthy.
Older people and those not in the best of health pay
steeply higher rates for life insurance - so buy as
early as you can, but don't buy until you have dependents.
9. Tell the truth.
There's no sense in shading the facts on your application
to get a lower rate. Be assured that if a large claim is
made, the insurance company will investigate before paying.
10. Use the Web to shop.
￣￣￣￣￣￣￣￣￣￣
Buying life insurance has never been easier, thanks to
the Internet. You can get tons of quotes - and avoid
the pushy salespeople.
==========================================================
結語：1.定期險種重於終身險種
2.投資儲蓄非保障本意，分開看待較能符合保障本質
3.第10點蠻有趣的，美國用網站買保險可避免業務員推銷
4.壽險的功能如果沒搞懂，保單永遠就是低終身壽險搭附
約，出事情才能體會「國人平均保額偏低」的意思，通
常為時已晚，何況，國人保費滲透度全球排第三。
5.http://0rz.tw/ea3Dv
留言列表
Business (1)