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DodoluMama 寫道:
Hi dummypimp ,

what would be your recommendation for those who bought a saving life insurance plan for 10 years and have negative return like OLmommy. Cut Loss and terminate the plan & use a cheaper price to buy a term life insurance immediately?
I have same case but my plan is a so-called "SAVING plan", according to xIx insurance company. The surrender value is only half of what I paid for 10 years... :-( :-(
Thanks.

DodoluMama 寫道:
Hi dummypimp ,

what would be your recommendation for those who bought a saving life insurance plan for 10 years and have negative return like OLmommy. Cut Loss and terminate the plan & use a cheaper price to buy a term life insurance immediately?
I have same case but my plan is a so-called "SAVING plan", according to xIx insurance company. The surrender value is only half of what I paid for 10 years... :-( :-(
Thanks.

dickykwan 寫道:

嘩, 邊間保險公司咁高佣金呀, 介紹下丫, 我都去做呀! 我識好多人做保險, 個個都話公司減左佣, 最高都係第一年保費既四至五成.

遙遙爸爸 寫道:
根據一個調查 (忘記出處), 大部份買純人壽的人, 當佢地身故嘅時候, 係無人壽保障! 原因主要有兩個, 第一個原因係純人壽並非終身, 大部份只保障75歲. 第二個原因係保費年年加, 加到受保人承受唔到.

DodoluMama, 你買左10年未回本並唔一定代表個計劃唔好. 可能你買左好多無儲蓄成份保障呢 (如住院, 意外, 危疾)? 又或者呢個計劃根本就以保障為主, 儲蓄為次呢?

Buy term and invest the rest 呢個唔係新概念, 好多人都知道, 但係點解傳統儲蓄人壽保單仍然係主流呢? 其實好簡單, 大部份客戶都鍾意有終身壽險之餘, 仲有保證回報, 長線一定賺錢等特性.