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枫下家园 / 理财投资税务 / 人寿保险问题: 据说从十月开始采用新的软件计算，保费提高了，是不是这样？现在买30万的term,和30万的Universal Life,哪个公司的报价好一点？(30~35岁)
-oxford(candy);
2002-10-28
{59}
(#823090@0)
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是保险代理告诉你的吧？即使使用新系统，Rating Engine一般也是不变的。除非是精算调整计算公式和参数
-simonxf(初为人父);
2002-10-28
(#823128@0)
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是是是，Agent说，如果马上买，可以给我以前版本的报价，便宜多少多少云云....
-oxford(candy);
2002-10-28
(#823248@0)
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你信他有这权限吗?这帮agent怎么把中国卖保单的一套伎俩搬到这里来了
-simonxf(初为人父);
2002-10-28
(#823382@0)
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About Life insuranceThe premium has nothing to do with software but the claim ratio.And it also depends on age,gender and smoking status. Life insurance is quite different from Auto insurance. You can not depend on the calculating tool on some nets.
-zqglong(Geoege);
2002-10-28
{229}
(#823158@0)
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What the insurance agent told you was not wrong. To him/her, a change in the ratemaking procedures and modification to the existing software means a new software, or at least a new version of software.
-jeffrey815(Smartiecat);
2002-10-29
(#823408@0)
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人寿保险保费的计算一般涉及保险成本(与死亡率有关),UL的计算是成本加能满足后期成本保障的投资回报的积累.SIMONXF说的对,一般是不变的.
-icegirl(冰比冰水冰);
2002-10-29
(#824767@0)
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看上去你是内行,嫩不能给个电话咨询一下?
-oxford(candy);
2002-10-29
(#825075@0)
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Investment inside ULInside UL,there is an investment account which provide tax sheltered return.As time passes,return will accumulate with tax shelter.Investment outside UL will meet the tax problem.
-zqglong(Geoege);
2002-10-30
{179}
(#826404@0)
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check mail
-icegirl(冰比冰水冰);
2002-10-30
(#826579@0)
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I got your message. But there's nothing in the body. would pls. send me again? thanks!
-oxford(candy);
2002-10-30
(#826945@0)
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i just give your my number.... anything else you can call me
-icegirl(冰比冰水冰);
2002-11-12
(#850955@0)
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Maybe you can call this agent, Victor Li at 416-7238838 to ask for information. he is very nice guy and never put pressure on your decision.
-mike2000(风筝--忙ing....);
2002-10-30
(#826599@0)