查看完整版本: 應唔應該cut左份保單？

應唔應該cut左份保單？

應唔應該cut左份保單？  


我今年22歲，做緊bank，身體健康，暫時有三份保險(都係人壽+儲蓄)，最舊果份係93年開始爸爸同我供，保額1萬美元，每半年供$196.91美元，依家已經供左接近$5500美元，都有超過保額既一半了，剛上網check度以下資料，係咪4076.4+1735.82=5812.22就等如依家攞得番既錢？咁樣cut唔cut好？唔該晒。

Financial Values:
  Interest Rate (%) Amount (USD) As of Date   Amount (USD) As of Date
FPDA Cash - $0.00 Apr 14, 2007  Cash Value $1,735.82 Apr 14, 2007  
FPDA Coupon 4.25 $4,076.40 Apr 14, 2007  Accu. Dividend $0.00 Apr 14, 2007  
FPDA Total   $4,076.40 Apr 14, 2007  Outstanding Loan $0.00  Apr 14, 2007

看來這份保險單屬於儲蓄成份較高的一種, 每半年約供 US$200.00
即一年要供約 US$400.00, 每月約供 HK$260.00
現已經供了 13-14 年, 不敢確定是否可取回 約US$5,800.00 ( 合共已經供了約 US$5,500.00 )
建議找相熟及可靠之保險代理人, 同你做分析, 再決定下一步點樣做.

回復 #1 科拿仔 的帖子

我就建議之前供果ｄ都唔好 cut ，除非出現經濟問題。

但以後再加就要想清楚，因為頭幾年供款佔大部份都係比個保險經紀既佣金。:Q

[quote]原帖由 [i]HJ2127_ATR1[/i] 於 2007-4-17 15:41 發表
我就建議之前供果ｄ都唔好 cut ，除非出現經濟問題。

但以後再布偯Y幾年供款佔大部份都係比個保險經紀既佣金。:Q [/quote]

無錯 ! 一般終身壽險保險單, 頭兩年o既供款是用來支付保險經紀佣金及保險公司行政費用.
如果要回本 (Break Even) , 即總供款與可取回之款項相若, 約需要 12 年 (視乎受保人年齡) ,
故不建議中途取消保險單. 除非經濟上出現困難.

I have other opinion.  Since saving using insurance is not effective (low interest rate, the bonus from the incurance company is not guaranteed, not flexible (if you withdraw the cash, your coverage will be gone)).  I would suggest if the cash you can take is already more than your total premiums over years (of course you have to check with your agent), then take the cash and use other saving with higher return, i.e. funds. I use funds for saving over 3.5 years and have 50% return now.
Reasons:
1. you dont need life coverage unless you have dependent.
2. you are very young and you should seek for high return now since you can take more risk.
3.over a long term, 5% return a year compare to 10% return a year can make a real difference!!!

終於有 brother 回應喇
科拿仔 , 可參考師兄意見 :givemefive:

if you have friend work for Massmutual

*** 作者被禁止或刪除 內容自動屏蔽 ***

[quote]原帖由 [i]科拿仔[/i] 於 2007-4-14 20:24 發表
應唔應該cut左份保單？  


我今年22歲，做緊bank，身體健康，暫時有三份保險(都係人壽+儲蓄)，最舊果份係93年開始爸爸同我供，保額1萬美元，每半年供$196.91美元，依家已經供左接近$5500美元，都有超過保額既 ... [/quote]


纯属个人意见:
后生需要的保险应该是意外和医疗足够.
储蓄和人寿,不如通过个人投资去达成目标比较实际.

回覆科拿仔

*** 作者被禁止或刪除 內容自動屏蔽 ***