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| Life Insurance Basics: Universal Life Insurance |
the following ads are provided by google and are not affiliated with this site or serve as an form of endorsement. life insurance basics: universal life insurance by ric edelman from the truth about (the policy minimum). what’s the point of all this? well, by assuming that they’ll earn a higher return than the 4% guarantee — say, 7.5% — the carrier can assume its future cash value will be muchry popular product. however, you need to be aware of one significant potential problem: the interest rate assumption used by the carrier might be wrong and, if so, the policy will not perform astes were 15%. thus, carriers assumed they would earn 15% for the next 40 years. of course, rates since then have been much lower, and carriers are no longer earning anywhere near those high levels. ass, many policyholders are being told that their premiums are increasing — even though they bought “permanent” insurance to avoid that problem. and they have little choice, for if they don’t pay the, many people conclude that it’s better to choose universal life (and acknowledge the possibility that premiums might rise) instead of paying those higher costs now as whole life would demand. othersrent assumptions about future interest rates prove to be wrong. updated 12.22.03 how much will you really pay for long-term care services? paying for college and homes vs. retirement auto insurance:
http://www.ricedelman.com/planning/insurance/lifeuniv.asp - 7k
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http://www.ricedelman.com/planning/insurance/lifeuniv.asp
2005-12-03 20:26:14
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