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to be simple, universal life = life insurance+ investment without guarantee. whole life = life insurance + guaranteed investment.

mrviceroy(熊咆龙吟*Daniel)
to be simple, universal life = life insurance+ investment. Hopefully 20 years later, your investment account will cover your life insurance premium. But, there is not guarantee your investment will grow large enough. If the current economy trend goes on for 20 years, you have to pay more 20 years later. (But that's impossible.) Because they invest in stock market and mutual fund.

whole life means u pay premium for your entire life. But there are a couple of variations, such as Term 20 and Term 10, that requires your premium within only 20 and 10 years separately. And Whole Life invest in GIC account. So, there is guarantee.

By the way, there are other differences. such as tax defer, premium holiday, etc. Why don't u find an expert who sells life insurance?
(#183188@0)
Last Updated: 2001-8-29
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Replies, comments and Discussions:

  • 枫下家园 / 生活杂事 / 最近我听了两次上门人寿保险, 两个经纪人各执一词, 真不知到wholeLife 和 UniversalLife 哪个更好, 想请教大家. -uid(㊣Miracle); 2001-8-29 (#183091@0)
    • 本坛讨论过几次。请用“人寿保险”，“UNIVERSAL LIFE” SEARCH 一下。 -rollor(Rollor); 2001-8-29 (#183098@0)
      • Roller, you are always kind alth you didn't answer any of my questions as I didn't ask before. Anyhow I thank for your efforts and kindness for those guys ( did I know them? no) -guest:; 2001-8-29 (#183127@0)
        • to be simple, universal life = life insurance+ investment without guarantee. whole life = life insurance + guaranteed investment. -mrviceroy(熊咆龙吟*Daniel); 2001-8-29 {775} (#183188@0)
          to be simple, universal life = life insurance+ investment. Hopefully 20 years later, your investment account will cover your life insurance premium. But, there is not guarantee your investment will grow large enough. If the current economy trend goes on for 20 years, you have to pay more 20 years later. (But that's impossible.) Because they invest in stock market and mutual fund.

          whole life means u pay premium for your entire life. But there are a couple of variations, such as Term 20 and Term 10, that requires your premium within only 20 and 10 years separately. And Whole Life invest in GIC account. So, there is guarantee.

          By the way, there are other differences. such as tax defer, premium holiday, etc. Why don't u find an expert who sells life insurance?
          • UL与WL的区别： -jimmyzhen(Jimmy); 2001-8-29 {329} (#183211@0)
            UL的投资选择很多，你可以提高高风险高回报的科技股的比例来获取高回报（可能会是高损失），也可以提高无风险低回报的Treasure Bill的比例来获取稳定的回报。它也有保证4%回报的（全部买T/B）。每年你有几次机会免费修改你的投资组合。WL的回报固定在3%-5%之间，一旦买了以后，你就不能顺便更改。可以说，UL是掌握在客户手里，而WL是掌握在保险公司手里。
      • Roller, last time I asked you about the broker that you recommended, and just after I went back I found his adv in news paper, Thank you very much for your warm heart ! -uid(㊣Miracle); 2001-8-29 {110} (#183165@0)
        he's call YangJun, right? Then I didn't send you email for that. Thank you very much for your warm heart !
    • 请看我的帖子#133848，希望能对你有所帮助。 -jimmyzhen(Jimmy); 2001-8-29 (#183179@0)

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