Re: Life Insurance = Good Investment

Hindi:

जब एक जीवन बीमा खरीद आप एक अच्छा निवेश के रूप में इसे देख कर? मेरी राय में, अपने ही जीवन बीमा पॉलिसी में पसंद है, मैं इसे मुख्य रूप से खरीदने के लिए भविष्य में अपने परिवार के सुरक्षित जब अवांछित बातें मेरे होने का फैसला किया. तो दूसरी ओर, यह एक निवेश के कुछ पहलू है क्योंकि मैं अपनी नकद मूल्य का लाभ ले सकते हैं देता है के रूप में समय आता है और ऐसे निवेश राशि का उपयोग कर सकते हैं


Filipino:

Kapag bibili ng seguro sa buhay mo makita ito bilang isang magandang investment? Sa aking opinyon, tulad ng sa aking sariling mga patakaran sa seguro sa buhay, ako ay nagpasya na bilhin ito lalo na sa mga secure na ang aking pamilya sa hinaharap kung kailan ang mga bagay na hindi gustong mangyari sa akin. At sa iba pang mga bahagi, ito ay nagbibigay ng ilang aspeto ng isang investment dahil ang maaari kong mapakinabangan ng kanyang cash na halaga ng oras ay dumating at maaaring gamitin ang nasabing halaga upang mamuhunan.


Chinese (simplified):

当购买人寿保险,你看到一个很好的投资吗?在我看来,就像我自己的寿险保单,我决定买它主要是为了确保将来我的家人不想要的东西时,发生在我身上。然后在另一边,它使一些投资方面,因为我可以利用其现金价值的优势,届时可以利用这些款项进行投资。


Vietnamese:

Khi mua một bảo hiểm nhân thọ nào bạn thấy nó như là một đầu tư tốt? Theo tôi, như trong bảo hiểm chính sách của chính cuộc sống của tôi, tôi quyết định mua nó chủ yếu để bảo đảm gia đình tôi trong tương lai khi những điều không mong muốn xảy ra với tôi. Sau đó, ở phía bên kia, nó cho phép một số khía cạnh của đầu tư vì tôi có thể tận dụng giá trị tiền mặt của nó như là thời gian đến và có thể sử dụng số tiền đó để đầu tư.


Portugese:

Ao comprar um seguro de vida que você vê-lo como um bom investimento? Na minha opinião, como na minha própria política de seguro de vida, eu decidi comprá-lo principalmente para proteger a minha família no futuro, quando as coisas não desejadas acontecer comigo. Então, no outro lado, dá algum aspecto de um investimento, porque eu posso tirar partido do seu valor em dinheiro como o tempo vem e pode usar esse montante para investir.


Geez, you are a linguist! How about a translation in English!
BTW can you do Hebrew, too?:1baffled:
 
Geez, you are a linguist! How about a translation in English!
BTW can you do Hebrew, too?:1baffled:



בעת רכישת ביטוח חיים אתה רואה את זה בתור השקעה טובה? לדעתי, כמו פוליסת ביטוח החיים שלי, החלטתי לקנות את זה בעיקר כדי לאבטח את המשפחה שלי בעתיד כאשר דברים לא רצויים לקרות לי. ואז בצד השני, זה נותן היבט כלשהו של השקעה כי אני יכול לנצל ערך המזומנים שלה כמו פעם בא יכול להשתמש להשקיע סכום כזה.
 
Life insurance is not an investment.
I agree that should not be its primary purpose. Investment elements of permanent life insurance enhance its value. They make it more suitable for those who would otherwise buy term and waste the difference.:biggrin:
 
Life Insurance- Systematic tax deferred/free savings vehicle.

I wonder if you ask a bank why they own BOLI (Bank owned life insurance) or a corporation why they own COLI, I wonder how they view the cash value. An Inevitable gain is better than an investment.
 
"Life Insurance is protection only, not an investment...this could be miss leading information if I was a client of yours.

Elliott"

Elliott, if you only show your client one option, you will not have that client very long because someone else will show your client all their options without bias and take your business away.

"Misleading" someone is attempting to prove there is only one method of use for life insurance.
 
"Life Insurance is protection only, not an investment...this could be miss leading information if I was a client of yours.

Elliott"

Elliott, if you only show your client one option, you will not have that client very long because someone else will show your client all their options without bias and take your business away.

"Misleading" someone is attempting to prove there is only one method of use for life insurance.

1) To LGilmore - I couldn't agree more.
2) To Elliott - As a life insurance professional, it is your duty to fulfill your fiduciary obligations to your client. Thus, discussions about life settlements and other exit strategies should be part of your mantra... and hey, if you can’t change the fact that you are full of greed, you can still make money while doing the right thing.
:idea:Try to be a little more open-minded… I would suggest learning about all the options life insurance can offer your clients; then, you can make lots of money, do what’s right for your clients, and everyone wins!
 
GFN, thanks for that post in Hebrew. I can speak many languages with the exception of Greek. Actually, they are all Greek to me (including Hebrew) with the exception of English!:laugh::laugh::laugh:
 
If you are going to present, or even talk about life insurance as an investment, calculate the ROI using the premium and death benefit, not cash or surrender value. There is no way anyone anywhere can achieve that kind of return on a tax free basis.
 
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