【理財通.湾區】財富人生系列 – IUL 的用途和功效

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IUL (Indexed universal life )指数基金保险是人壽保險業發展的一大突破,它較好地展現了一句對現代人非常重要的一句話:“Life Insurance You don’t have to die to use” 即人壽保險生前使用。美國多家權威保險公司研發的IUL金融産品爲人們提供了帶有多項生前利益的保險,一方面這類保險保障人們的生老病死中的重大疾病、長期護理和人壽;另一方面,極好的儲蓄投資功能讓人們在有生之年享用利滾利産生的資金。當資金積累到一定程度時,可以以自我貸款的方式動用資金,用于孩子的教育基金、結婚、旅遊或買房基金、乃至永久性的養老退休金。由于是“貸款”,這些資金都不需付稅。

以上IUL産品可以根據每個人的不同情況,包括年齡、性別、身體情況、財務狀況、理財目的和財富願望等等,量體裁衣,做出不同的適應個人和家庭的理財規劃和方案,因而产生財富宝貝計劃、富裕人生計劃、教育基金計劃、养老退休計劃、或是综合性规劃等,進一步達到生有所用,病有所醫,需有所要,老有所養,家有所護,財有大漲,財富人生有計劃達到。

Indexed universal life (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. IUL policies are more volatile than fixed ULs, but less risky than variable universal life policies because no money is actually invested in equity positions. (For an introduction to life insurance, see Intro To Insurance: Types Of Life Insurance.)

IUL policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit. People who need permanent life insurance protection but wish to take advantage of possible cash accumulation via an equity index might use IULs as key-person insurance for business owners, premium financing plans or estate-planning vehicles. IULs are considered advanced life insurance products in that they can be difficult to adequately explain and understand. They are generally reserved for sophisticated buyers. (For more, read Top 10 Life Insurance Myths.)

想要擁有優質金融理財产品、家庭個人理財计划,歡迎免费咨詢:

Lily Liu 刘麗 MBA 資深理财師 (全球保险業百萬圓桌會員獎)

408-472-3088 lilyliuvineyard@sbcglobal.net

 

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