本文发表在 rolia.net 枫下论坛First of all I am sorry for I cannot key in Chinese words.
I don't know why some one said the whole life is bad.
Term and whole life are two concepts.
There are nothing good or bad itself.
It is just fit for someone's situations.
Someone just need temperary protect. Then it is better select term.
Someone need the money whatever stay in family. Then it is better choise whole life.
Term has several different kinds. Term5, Term10,Term 20 etc.
The number means the premium keep 5,10or 20 years not change.
After 5,10 or 20 years the premium will jump to next level.
Also when people at age 80 the policy will finish.
That means if you are in between of term or 80 years above. You are not covered by life insurance.
They are cheaper and have bigger coverage compare with whole life.
Whole life have lots of kinds.
However they all can cover the person's whole life.No matter how old are they.
That means the money will keep in family.(People finally will die.)
Some whole life products has life + investment.
Some are not.
Depends what you want.
Therefore some people said you should not touch whole life is not properate.
If you have further questions please give me a call 647-205-2899.
My name is luna
All the Best!更多精彩文章及讨论，请光临枫下论坛 rolia.net
I don't know why some one said the whole life is bad.
Term and whole life are two concepts.
There are nothing good or bad itself.
It is just fit for someone's situations.
Someone just need temperary protect. Then it is better select term.
Someone need the money whatever stay in family. Then it is better choise whole life.
Term has several different kinds. Term5, Term10,Term 20 etc.
The number means the premium keep 5,10or 20 years not change.
After 5,10 or 20 years the premium will jump to next level.
Also when people at age 80 the policy will finish.
That means if you are in between of term or 80 years above. You are not covered by life insurance.
They are cheaper and have bigger coverage compare with whole life.
Whole life have lots of kinds.
However they all can cover the person's whole life.No matter how old are they.
That means the money will keep in family.(People finally will die.)
Some whole life products has life + investment.
Some are not.
Depends what you want.
Therefore some people said you should not touch whole life is not properate.
If you have further questions please give me a call 647-205-2899.
My name is luna
All the Best!更多精彩文章及讨论，请光临枫下论坛 rolia.net