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pengmzbobobo
有在国内买保险的么？
2649
5
2008-08-22 04:56:00
想着过个7，8年还是要回去的，到时候可能错过了买保险的最好时机。心想有个保障比较好，同时也可以作为一种投资方式。因为对保险这块不是很了解，不敢轻易下手。
不知道有哪位现在这么操作的，能不能详细谈谈？
谢谢
not sure what insurance you are talking about...
most likely you are talking about life insurance with saving function..
that is what i assume...
you can buy a term now...it is cheap and you can terminate it
any time you want.
if you need to go back china, simply stop the payment.if you are staying.
you can convert it to other life product without further proof
of insurablity, in another word, you dont need another medical test
and still get the same health rating as you first purchase your term.
just dont buy term from small companies for saving a few bucks..
cause the guar an teed insurability is honored by the company you buy
term from.
my company Metlife and NYlife is pretty good choice.
and for your ppl like you, 1million term only cost 20bucks a month.
most likely you are talking about life insurance with saving function..
that is what i assume...
you can buy a term now...it is cheap and you can terminate it
any time you want.
if you need to go back china, simply stop the payment.if you are staying.
you can convert it to other life product without further proof
of insurablity, in another word, you dont need another medical test
and still get the same health rating as you first purchase your term.
just dont buy term from small companies for saving a few bucks..
cause the guar an teed insurability is honored by the company you buy
term from.
my company Metlife and NYlife is pretty good choice.
and for your ppl like you, 1million term only cost 20bucks a month.
我有买的
不过是出国前就买了的
挺好的 有种你每年放钱 放好多年后 就不用再放 然后隔几年往回拿钱的那种
你不如直接找个代理问问
以下是引用南开阿飞在2008-8-22 10:06:00的发言：
not sure what insurance you are talking about...
most likely you are talking about life insurance with saving function..
that is what i assume...
you can buy a term now...it is cheap and you can terminate it
any time you want.
if you need to go back china, simply stop the payment.if you are staying.
you can convert it to other life product without further proof
of insurablity, in another word, you dont need another medical test
and still get the same health rating as you first purchase your term.
just dont buy term from small companies for saving a few bucks..
cause the guar an teed insurability is honored by the company you buy
term from.
my company Metlife and NYlife is pretty good choice.
and for your ppl like you, 1million term only cost 20bucks a month.
not sure what insurance you are talking about...
most likely you are talking about life insurance with saving function..
that is what i assume...
you can buy a term now...it is cheap and you can terminate it
any time you want.
if you need to go back china, simply stop the payment.if you are staying.
you can convert it to other life product without further proof
of insurablity, in another word, you dont need another medical test
and still get the same health rating as you first purchase your term.
just dont buy term from small companies for saving a few bucks..
cause the guar an teed insurability is honored by the company you buy
term from.
my company Metlife and NYlife is pretty good choice.
and for your ppl like you, 1million term only cost 20bucks a month.
Actually, i even don't know exactly what kind of insurance i want. i want something that is not just having the saving function, but aslo gives some compensation when any accidence happens. If no accidence, it can be served as a investment tool ( even low profit).
I have no idea about any kind of insurance, but i am doing some research recently. I could not agree you more that it is very important to find a big company with high credit, but i aslo care about the deputy, and the product.
i am inclined to buy these in China, considering that we will go back home in the future.
However, if you have any good ideas, can you give me something more specific?
Thanks
以下是引用yuan516在2008-8-22 15:34:00的发言：
我有买的
不过是出国前就买了的
挺好的 有种你每年放钱 放好多年后 就不用再放 然后隔几年往回拿钱的那种
你不如直接找个代理问问
你买的是哪家的？（短我也行）
我觉得自己先了解下比直接找代理强，因为碰上好的代理需要运气。
不想在以后碰到问题或者是发现和事实有出路时，要花太多力气去处理这种事
以下是引用pengmzbobobo在2008-8-22 22:33:00的发言：
Actually, i even don't know exactly what kind of insurance i want. i want something that is not just having the saving function, but aslo gives some compensation when any accidence happens. If no accidence, it can be served as a investment tool ( even low profit).
give me a call, 713 --854 2221
i ll answer any questions you have.
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