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@Calgary

Thanks a lot for all the reply. I actually purchased UL before I was 30. It's $50/month (for $100,000). Half of it is premium, while the other half is for investment.

happy2001(simplelife)
Every year I got statement from insurance company asking me to pay more, otherwise I need to pay more than 20 years. I am thinking the 20 years paying period may extend to my whole life because the returning rate has been always lower than I was told first time by the agent. I never see a detail table telling me how much the premium it will be through the rest of my life. The only thing I know is that the premium will jump every 8 years. I wonder I will need to pay more than $300/month when I am more than 60 to keep the UL (that sounds unaffordable at that time). I just couldn't find a real example of the UL premium from an old person.
I am regretting I made a quick decision at the very beginning. I could spend the same amount of money ($25 a month) to get a coverage of $300,000 or more if I had bought Term. For kids' care, that's much more useful than $100,000 (as the UL I have right now) in case I did lost my life.
(#2676458@0)
Last Updated: 2005-12-22
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Replies, comments and Discussions:

  • 枫下家园 / 望子成龙 / Buying insurance is important to kids or not? I was recently shocked for two neighbors passed away leaving little kids. I am seriously thinking insurance is important for this kind of situation. -happy2001(simplelife); 2005-12-22 {235} (#2676224@0)
    Anybody has experience about this? Which one is better? Universal Life or term insurance from long term? the more detail, the better. I trust information from online discussion rather than that from insurance agent . Thanks in advance.
    • We had the will and had the life insurance -maggy(weiwei); 2005-12-22 (#2676237@0)
    • 很有钱买universal,否则买term. -caffein(纸上谈兵); 2005-12-22 (#2676244@0)
    • 我写过一个东西，你可以先看看。 -rollor(Rollor); 2005-12-22 (#2676288@0)
    • Thanks a lot for all the reply. I actually purchased UL before I was 30. It's $50/month (for $100,000). Half of it is premium, while the other half is for investment. -happy2001(simplelife); 2005-12-22 {935} (#2676458@0)
      Every year I got statement from insurance company asking me to pay more, otherwise I need to pay more than 20 years. I am thinking the 20 years paying period may extend to my whole life because the returning rate has been always lower than I was told first time by the agent. I never see a detail table telling me how much the premium it will be through the rest of my life. The only thing I know is that the premium will jump every 8 years. I wonder I will need to pay more than $300/month when I am more than 60 to keep the UL (that sounds unaffordable at that time). I just couldn't find a real example of the UL premium from an old person.
      I am regretting I made a quick decision at the very beginning. I could spend the same amount of money ($25 a month) to get a coverage of $300,000 or more if I had bought Term. For kids' care, that's much more useful than $100,000 (as the UL I have right now) in case I did lost my life.

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