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鄭幾米 發問時間: 商業與財經保險 · 9 年前

Universal life in United State

在美國某些州 是不是有限制Universal Life不能pay to 85歲? 有70或65歲之類的上限?

或是針對怎樣性質的商品有ㄧ個續保年齡上限之類?

2 個解答

評分
  • 9 年前
    最佳解答

    您好

    我幫您查過了

    有些州甚至沒有它們的服務(也就是不能投保)

    另外您提到的應該是定期式的險種

    當然就跟我們台灣一樣,只能買到某個年齡~就無法再續保了

    所以他們裡面就會有Permanent life insurance ....也就是所謂的終身型保障商品

    如有任何問題~歡迎來信聯絡

    或至部落格上留言討論~謝謝

    南山 Harris 關心您

    參考資料: Universal Life
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  • Gary
    Lv 7
    9 年前

    Unfortunately, universal life is not designed as a "limited-pay" product.

    The moment you stop paying premium (and don't cancel the policy), your cahs value will start deducting for the premium.

    However, whole life can be limited-pay because of its design (at the maturity date, you are guaranteed that you can get death benefit and the cash value equal to your death benefit). Since whole life value is "constant", so it can be a limited-pay product.

    As soon as you are approved, insurance company will not impose a restriction on renewal, as soon as you pay the premium.

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