Comments on: Life Insurance To Buy http://financialrich.com/2009/08/14/life-insurance-to-buy/ Wealth Building, Retire Early, Personel Money, Financial Planning, Saving Tips Sat, 04 Feb 2012 02:56:02 +0000 hourly 1 http://wordpress.org/?v=3.1.2 By: Kong Hui http://financialrich.com/2009/08/14/life-insurance-to-buy/comment-page-1/#comment-460 Kong Hui Wed, 28 Apr 2010 15:43:53 +0000 http://financialrich.com/2009/08/14/life-insurance-to-buy/#comment-460 Ops! How old are you? premium for protection in Investment Link in "Natural", not "level". The older you gets, the higher the insurance charges. Please check with your insurance agent. I am agent for HLA. Ops! How old are you?
premium for protection in Investment Link in “Natural”, not “level”. The older you gets, the higher the insurance charges. Please check with your insurance agent. I am agent for HLA.

]]> By: Kong Hui http://financialrich.com/2009/08/14/life-insurance-to-buy/comment-page-1/#comment-459 Kong Hui Wed, 28 Apr 2010 15:41:45 +0000 http://financialrich.com/2009/08/14/life-insurance-to-buy/#comment-459 Then you should aim for Term Life, not investment link. Then you should aim for Term Life, not investment link.

]]> By: LAI SENG CHOY http://financialrich.com/2009/08/14/life-insurance-to-buy/comment-page-1/#comment-139 LAI SENG CHOY Wed, 02 Dec 2009 00:12:12 +0000 http://financialrich.com/2009/08/14/life-insurance-to-buy/#comment-139 Exactly. I bought it due to its feature of low premium with huge protection. Exactly. I bought it due to its feature of low premium with huge protection.

]]> By: Mrcoolku http://financialrich.com/2009/08/14/life-insurance-to-buy/comment-page-1/#comment-136 Mrcoolku Mon, 30 Nov 2009 14:30:16 +0000 http://financialrich.com/2009/08/14/life-insurance-to-buy/#comment-136 Hi, thanks for your fruitful advices. I will do some research on it and discuss with my insurance agent. Btw, I have one question here. Since you do not expect any return from investment in investment-linked, then why you bought it? Because of low premium? Hi, thanks for your fruitful advices. I will do some research on it and discuss with my insurance agent.
Btw, I have one question here. Since you do not expect any return from investment in investment-linked, then why you bought it? Because of low premium?

]]> By: LAI SENG CHOY http://financialrich.com/2009/08/14/life-insurance-to-buy/comment-page-1/#comment-132 LAI SENG CHOY Mon, 30 Nov 2009 06:50:39 +0000 http://financialrich.com/2009/08/14/life-insurance-to-buy/#comment-132 For life insurance, you may opt for investment-linked policy. This is because it is the policy that allow you to maximize your protection with minimum cost. I did study the difference between whole-life, term and investment-linked in terms of their protection and return. Due to low premium requirement of investment-linked for good protection, I will be able to have more money for other investment that will generate better return. What I do is I maximize my protection portion and minimize my investment portion. Therefore, I do not expect to get back anything from investment-linked. To me, it is an insurance expenses (to buy protection) rather than investment. Next, invest your premium savings to get better return. The overall gain will be much better than whole-life. Go and check it out. For life insurance, you may opt for investment-linked policy. This is because it is the policy that allow you to maximize your protection with minimum cost.

I did study the difference between whole-life, term and investment-linked in terms of their protection and return. Due to low premium requirement of investment-linked for good protection, I will be able to have more money for other investment that will generate better return.

What I do is I maximize my protection portion and minimize my investment portion. Therefore, I do not expect to get back anything from investment-linked. To me, it is an insurance expenses (to buy protection) rather than investment. Next, invest your premium savings to get better return. The overall gain will be much better than whole-life.

Go and check it out.

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