There are 2 different kinds of life insurance.

Usually your employer will offer one, but if you leave your job, it ends automatically and you get nothing out of it. However if you die on the job, you get the benefit. The cost for this kind is very low and it is considered a benefit not an investment.

Another kind is the an investment you can buy from an insurance agent. You can pass the benefit to your children. But usually the return is not very good in comparison to other investments like stocks and bonds.

 

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• 這個不對。term life就好了。其他有投資在裏麵的反而不劃算。工作的group insurance不劃算，但是 -知人知麵- ♂ (97 bytes) () 02/01/2014 postreply 10:32:05

• 嗬嗬。俺還有whole life給LP的。term給小孩的。還沒到用insurance做estate planning那個層次。 -知人知麵- ♂ (0 bytes) () 02/01/2014 postreply 10:50:50

• 好像有個華裔女孩被男朋友謀殺了，就是為了騙保險。 -mapell22- ♀ (290 bytes) () 02/01/2014 postreply 11:07:50

• 要是那天俺失蹤，肯定給LP殺了，所有保險她都是受益人。她自己沒一分錢保險。嗬嗬 -知人知麵- ♂ (0 bytes) () 02/01/2014 postreply 11:11:13

• 回複：我當時身體好就認為人壽保險是鼓勵謀殺。 -QinJin- ♂ (0 bytes) () 02/01/2014 postreply 11:15:12

• 嗬嗬。開開玩笑。俺從當學生就開始買term life。開頭給父母，後來就給LP，當然那個時候比較少。 -知人知麵- ♂ (0 bytes) () 02/01/2014 postreply 11:25:16