So, It's very clear not buy any UL or WL. They are misleading us.
-farmer(农夫®);
2003-3-19(#1095390@0)
I would say that Term is appropriate to most of us. But I have been looking for the financial situations that UL or WL is appropriate to them.
-jameschen6(梦想农庄);
2003-3-19(#1095412@0)
sure there are
-wise(不通啊不通);
2003-3-19(#1095422@0)
I am appreciated if you can give some examples
-jameschen6(梦想农庄);
2003-3-19(#1095431@0)
自己没有恒心或毅力定期存款，经常有不少活钱在活期上，in other words, if you are not so dicipline, you need someone else to force you to invest, it makes great sense in long run. second, for UL,we can't say no advantage at all. all income is tax-free, not just leave to yr son, actually you yourself can use by borrowing it out
-wise(不通啊不通);
2003-3-19{134}(#1095456@0)
这我知道。可是明知一笔钱的lnvestment line could be longer than 10 years, if still put it into money mkt, no difference from doing nothing. 一方面，曾经沧海难为水，另一方面，没胆了。说的是股票。
-wise(不通啊不通);
2003-3-19(#1095662@0)
About 4-5% is better than nothing. One day infuture you know how to handle the investment, you choose your own strategy which should be in the range 4-10% averagely.
-jameschen6(梦想农庄);
2003-3-19(#1095766@0)
似乎无论对于有钱人还是没钱人,WL and UL是完全没用的废物,是保险公司伙同agent骗钱的吗???~~
-mildkiller(M.K.);
2003-3-19(#1095471@0)
WL和UL确实没有什么用，因为等你老死的时候子女不可能没有什么钱，买term or term rider（当子女还小），或者life annuity或者pension（帮你自己存钱），这些都属于Life Insurance的products。
-jeffrey815(Smartiecat);
2003-3-19(#1095506@0)