So it all depends on your needs. To me, I buy insurance to protect my family in case if anything happen. When I am already 60 or 70...I think my child had already gone up and I should have completed my responsiblity already. I dont think my child will need to rely on my insurance coverage for living if I were not alive....Even my child were so dumb and not able to make a living on his own, it's already not my responsibility already....
My value is an adult should not rely on an elderly to make a living,...let alone the insurance coverage...
For儲蓄保險, it's not the case that they do not 加價....but those 加價 element of insurance are included in the projected cash flow implicitly....people just do not aware of it....as what they guarantee is just the amount of what you have paid out in the first 20 years even when you are 100 years old....the remaining portion is to be used for insurance and also depending on the rate of return...
Totally agree. 有個保險經紀好老實同我講, 個客買term life 係收到好少commission, 所以一般都唔會sell 個客買term life. 唔知係咪真.
As I mentioned before, if you buy a so called saving plan with insurance element, the first 3-5 years of your contribution go to your sales pocket, i.e., his salary. So, if you quit earlier, you end up nothing....
So, why buy such a thing that lock you up 20 or more years...buy fund and insurance separately....
The logic is very simple. If a pure insurance plan need certain amount of cash flow from client in order to break even, why saving plan do not need ??? and have the same coverage ....they just lock your money for 20 or more years...(the first 3-5 go to the sales) and the rest used to invest and cover exactly the same cash flow of the pure insurance....and the rest is so called your saving...this is the actual mechanism. If the price of a term plan increase from years to years....so does the saving plan...but it just included in your saving implictly and you do not aware of it....the extra you paid in earlier years is used to cover the later increase in insurance in your later years....
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