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term insurance

Hot 4Viewed 491 times28-10-2011 04:46 PM |

保单名字:GE Year TermCare-term assurance (without profits) with major illness benefit
我其实是照那本槟消协指南的《理财诀窍》理念做的.
我做法是买
1条主要的RM10万GE Term+36critical illness(稳定Guarantee Renewal 到70岁) (RM1xxx我几年前买的)(如果不保36critical Illness会跟便宜RMXXX)
1条副要的Group Insurance from PM mutual顶住先RM10~15万(Group insurance不稳定, 公司有给才有, annual renewal好处是便宜保障大)(RM500~RM600+)
还有刚刚杂杂bank assurance 意外保险随手买的(RM50保5万意外, 某马来银行随手买的)
记得的就蒋多.
只有买保我, 如果我不幸意外KO, 我家人可以有一笔钱过活.
没有保太太, 因为她KO我还可以继续做工.
过几年了, 其实我考虑再买点医药卡(因为它是照年龄收费的, 早买也不一定会省钱), 或买条Guarantee Renewal term w/o 36critical illness取代那个Group Insurance.
其实每个人需要不同财力不同, 我需要保障大(小虾米的大)因为我觉得我风险相对大. 有人可能一开始觉得需要医药(家族历史, 自己知自己事). 有些人喜欢包山包海的Investment Link(有些理财@投资高手也会特地买). 所以我们可以Open Minded接受包容不同想法. 不可以随便说保险员骗钱. 顾客其实也有责任选择适合他的保险, 哪里可以人家卖什么买什么. 在这个社会如果不会自己判断自己也有错.
例如你那本书槟消协指南可以是一个参考.
Term Insurance+Invest the rest是一个选择, 不是绝对.

Apa Reaksi Anda...

Leave a comment Comments (5 Comment)

Reply 睿456 28-10-2011 04:50 PM
http://cforum.cari.com.my/viewthread.php?tid=1581758&extra=&page=3

1)医疗卡-我买了一份没有有很大投保额的,因为保单里面写到很清楚noncancelable的term
很厉害的一个term.但是如果万一政府接管了所有医药的保险呢?这应该是为什么有conditional renewable 的term..

2)36疾病保单-独立的,30年fix 保费,30年有事发生拿钱,意外身亡保费*2, 30年后没事,就拿回50%保费
Term 30 年,30 年后,cash value 不是 ZERO 吗?好厉害的保单。。pm 我公司name可以吗?

3)意外-也是买一个30年term, 有事拿钱,没事30年后拿回80%保费
请问30年以后,您多少岁?after that 的保障您如何应付?

4)意外买多一份takaful 的,因为便宜保很大。
Takaful 的有意外险吗?我一直都以为takaful 只保 natural death..

ilp 我不会买,虽然有waive of premium, 但担心insuficient fund%也不适合我。。。
除非我的生意发展为sole provider, 我才会认真去买一份简单的ilp

不好意思,不明白为什么要发展为sole proprietor 才买ILP?会有特别好处吗?


saving plan ,看到市场最好的好像只有irr 4.1%,也不会买
IRR 4.1% 是 算到maturity 的?而且还是accumulate+ non guaranteed dividend?
这么样,您怎样处理您的储蓄?完全投资?

我比较留意我如何可以扣tax, 所以多数买stand alone 的保单。。。
不是standalone 的, CPP 应该会把他们可以claim tax 的项目写清楚吧。。
Max 6k + 3k 而已对吗?做完 了可以做什么?

我问你一个问题
保证更新的医疗卡vs 滥agent 和 好agent vs不保证更新的医疗卡,那个重要。

烂agent 应该不会卖医药卡了吧。。您应该明白我的意思吧。。haha..有道理吗?
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