送交者: HunHunSheng 于 2005-9-29, 12:29:44:
回答: Pick term which has lower premium 由 HunHunSheng 于 2005-9-29, 12:15:50:
1. If You will be very rich at death and your kids can avoid inheritage tax
2. If you do not have a habit of saving, then these two will force you to save.
Other than that, they are not good.
For (1), Inheritance tax only tax those above at least $500000, if you won't have that much to leave to
yoru kids, don't fall for insurance saleman. You can
have all other measn to plan estate.
For (2), you should exhaust 401(K) and its like first.