最初由[unclecharlie]发布
why term insurance only? beacuse its the cheapest.
Life insurance is providing protection in case of family bread make's death, then cause financial difficulties.
Some agent might tell you, you will not get covered after age 65 for term insurance. But you need life insurance beacuse you have motgage, debts, your kids still young, once mortgage pay off, kids all grown up, you have enough money for retirement, you will only need life insurance beacuse your beneficiary (your wife, kids) need money (tax free) to pay estate tax, but this is only happened for very rich people.
Never believe the investment returns of your life insurance! you rather put that money for your own investment.
Why agent always try to sell whole life insurance, not term? simple, big difference on commission.............., I can't tell too much, or they will XXXX me.
You are a really good man.
We bought a term policy. And we gave the business to a new agent from China for two reason: we are also from China plus this guy has a family.
However, this guy started to talk bullshit after we talk him we will give him the contract. He tried to sell more wholelife.
Our policy is very expensive because we bought it for an old family member. Therefore, he should make at least XXXX dollars. Maybe that is his first sales.
Guess what we got ftom this guy:
He called us said we would invite us for a dinner. But it never happened. (Actually, we really don;t care!)
He called us we would continue serve us after he stopped to work for that insurance company.
He is not a smart guy to be a sales. However, he should learn how to be a good man first. |
楼主: 加国无忧
狗仔卡
发表于 2005-2-2 22:31:16
显身卡
