Also, if your policy lapses with an outstanding loan, the loan could become taxable.9 Is Indexed Universal Life Insurance (IUL) a Good Investment? An IUL can be a good way to save up money in a cash value account that, connected to a market index, may earn modest returns. However, ...
IUL这种万能险类的产品,可以说是现金流最好的的保险产品了,其领取可以用现金领取(withdraw),也可以用贷款(loan)。无论用那种,你会发现其现金流的能力和活期存款非常类似。 强大的变现能力其实也有风险:就是客户从保单价值中领取太多的资金,导致保单账户价值过少,无法支持保障成本的扣除,导致失效。 以下面这个案例为...
As with any permanent life insurance policy, cash value accumulation from an IUL insurance policy wouldn’t count toward the earnings thresholds, nor would any loan amounts that you borrow. So you could take a loan against your policy to supplement Social Security benefits without detract...
Whole life insurancebenefits customers who want safe, fixed returns alongside the predictability of level premiums and a fixed death benefit. IUL policies may work best as an alternative to whole life for customers who prefer flexibility in managing their policy. IUL life insurance also allows policy...
Indexed Universal Life Insurance (IUL) works by combining elements of both traditional life insurance and investment options. Here’s a breakdown of how IUL policies operate: 1. Premium Payments:Policyholders make regular premium payments, which are used to cover the cost of insurance, administrative...
下图可以看到,左侧的部分如Real estate,Trust funds等算作父母的资产,右侧的Life insurance(IUL教育金属于此类)等不算,不影响孩子申请助学金。 所以,大多数父母怎么做的呢?—— 申请助学金,搭配教育金IUL! 我们举个例子,比如你的孩子现在刚出生,你现在30岁(Preferred Plus),你可以购买一个教育金IUL,100万美元面额...
有些经济人会向父母建议为年幼的孩子购买 一份 Juvenile life insurance policy,可以是IUL,也可以是 Whole Life,作为529 教育基金的替代品,他们的理由如下: 529账户中的钱会影响孩子大学助学金的申请,但是life insurance不会。 两者都有可观的增值潜能,529投放在股票市场,风险大,波动大,回报潜力高。Life insurance...
For example, the illustration may show a 6%loan interest rate, and an 8%annual return. That sounds pretty good. It means that—in theory, anyhow—you could have a 2% gain on the amount you borrowed. So why not just get yourself one of those policies, borrow every dime you can at 6%...
Transamerica,中文称为泛美集团,成立于1928年,创始人Amadeo P. Giannini也是今天美国银行的创始人。集团虽然还没有百年历史,保险业务开展却已超过100年。怎么回事呢?1930年,泛美收购了西方国家人寿保险公司(Occidental Life Insurance Company),这就是现在泛美人寿(又称“全美人寿”)的前身——而这家保险公司早在1906年...
同时，产品还包括Overloan Protection Rider、Withdrawals and Loans等功能。账户部分，基本利息策略账户保证每年至少2%的收益率，而固定和指数策略账户同样提供保证的最低2%年复合利率。以一年点对点标普500指数策略为例，过去20年的平均年化利率达到7.01%，远超实际标普500指数的平均利率3.63%。同时，产品...