[讨论]给孩子买哪一种保险？

北国红豆

<p>几年前给自己买了NTUC的人寿保险。近几天这个保险经纪说NTUC推出了一个新的储蓄保险，具体什么英文名字忘记了，大致是保期十年或二十年，从保险的第三年起每年给保户$1000。</p><p>大家觉得这种保险适合孩子吗？妈妈们都给孩子买那种保险？</p>

玉兰

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>北国红豆</i>在2007-8-29 22:12:00的发言：</b><br/><p>大致是保期十年或二十年，从保险的第三年起每年给保户$1000。</p></div><p>那你每年支出多少保费????</p><p>不过每年1000$的收益还是少了一点,估计要多买几份估计意义大一点,,,</p><p>这些问题,投资理财班的人估计更有经验,不妨那里去问一问!</p><p></p>

dthc1977

<p><font size="4">这里生了女的就买18年期的保险，生了男的就买21年期的，因为男的要当兵没那麽快读大学。不管男或女，其实你们一定要坚持买保期20年或以上的，招徕员会永远说每种都好的，不是的。</font>
        </p><p>已经买了的，不管好不好的， 都不要断。 </p><p>想买的以你的收入的百分之十来当保费，别勉强。</p>

dthc1977

假如买了一个AIA的保险，假如国内的AIA也有这种你买的，改次回国可以从新加坡保单换去中国保单。

dthc1977

<p>要买whole life 的保险，要供超过20年的，你们看一下回报， 从十九年跳到二十年的回报是一个分水岭，你们快快拿出买过的保险来看。</p><p>买了这whole life 就买附加的意外和住院险了，这些是没回报的。</p>

放弃是种心情

<p>我也要买</p><p></p>

mavislu

<p>我在出来前在中国买了AIA, 说是跨国有效的</p>

dthc1977

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>放弃是种心情</i>在2007-9-1 14:51:00的发言：</b><br/><p>我也要买</p><p></p></div><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><font size="3"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">放弃，</span><span style="COLOR: purple;"><p></p></span></font></b></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><span style="COLOR: purple;"><p><font face="Times New Roman" size="3">&nbsp;</font></p></span></b></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><font size="3"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">你懂我名字，我出生日期，我的</span><span style="COLOR: purple;"><font face="Times New Roman">IC </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">号码吗？因为我想你会把我列为你保单的受益人吧！！！</span><span style="COLOR: purple;"><p></p></span></b></font></p>

dthc1977

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>北国红豆</i>在2007-8-29 22:12:00的发言：</b><br/><p>几年前给自己买了NTUC的人寿保险。近几天这个保险经纪说NTUC推出了一个新的储蓄保险，具体什么英文名字忘记了，大致是保期十年或二十年，从保险的第三年起每年给保户$1000。</p><p>大家觉得这种保险适合孩子吗？妈妈们都给孩子买那种保险？</p></div><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><font size="3"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">北国，</span><span style="COLOR: purple;"><p></p></span></font></b></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><span style="COLOR: purple;"><p><font face="Times New Roman" size="3">&nbsp;</font></p></span></b></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><font size="3"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">假如你买了这些种类的保险，从第三年开始</span><span style="COLOR: purple;"><font face="Times New Roman">NTUC</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">会邮给你你一张</span><span style="COLOR: purple;"><font face="Times New Roman">1000</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元的支票，你不要存进银行，你邮回给他们，</span><span lang="ZH-CN" style="COLOR: purple;"><font face="Times New Roman">
                                        </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">你也可以告你</span><span style="COLOR: purple;"><font face="Times New Roman">AGENT,</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">说你不要每年拿这</span><span style="COLOR: purple;"><font face="Times New Roman">1000</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元，要把它存回你保单里生息或投资回报什麽的，所以他们就自动不给你邮。不然你到了最后你会发觉你拿回的回报是很少的。</span><span style="COLOR: purple;"><p></p></span></b></font></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><span style="COLOR: purple;"><p><font face="Times New Roman" size="3">&nbsp;</font></p></span></b></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><font size="3"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">你看我之前的帖，</span><span lang="ZH-CN" style="COLOR: purple;"><font face="Times New Roman">
                                        </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">要买</span><span style="COLOR: purple;"><font face="Times New Roman">20</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">年保期或以上的才值得。</span><span style="COLOR: purple;"><p></p></span></b></font></p>

dthc1977

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>mavislu</i>在2007-9-2 1:19:00的发言：</b><br/><p>我在出来前在中国买了AIA, 说是跨国有效的</p></div><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><span style="COLOR: purple;"><font size="3"><font face="Times New Roman">MAVISLU, <p></p></font></font></span></b></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><b style="mso-bidi-font-weight: normal;"><span style="COLOR: purple;"><p><font face="Times New Roman" size="3">&nbsp;</font></p></span></b></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><font size="3"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">跨国有效是指什麽呢？</span><span lang="ZH-CN" style="COLOR: purple;"><font face="Times New Roman">
                                        </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">保险是指意外发生在那个国家都会受保，都能</span><span style="COLOR: purple;"><font face="Times New Roman">CLAIM. <span style="mso-spacerun: yes;">&nbsp;</span></font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">最重要是发生了事情后你要快点打电话给你的</span><span style="COLOR: purple;"><font face="Times New Roman">AGENT, </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">有时你直接打给</span><span style="COLOR: purple;"><font face="Times New Roman">CUSTOMER SERVICE </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">会更简单快捷。</span><span style="COLOR: purple;"><p></p></span></b></font></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><font size="3"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">转换保单是指你把中国保单换成新加坡保单，变成用新元来付保费给新家坡</span><span style="COLOR: purple;"><font face="Times New Roman">AIA </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">公司，保障也是以新元赔偿。</span><span lang="ZH-CN" style="COLOR: purple;"><font face="Times New Roman">
                                        </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">在新加坡，</span><span style="COLOR: purple;"><font face="Times New Roman">AIA </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">的保单是贵一点过别间保险公司，他们说他们的服务是最好，我无法置评。（</span><span style="COLOR: purple;"><font face="Times New Roman">NO COMMNET</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">）</span><span style="COLOR: purple;"><font face="Times New Roman">.<p></p></font></span></b></font></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><font size="3"><b style="mso-bidi-font-weight: normal;"><span style="COLOR: purple;"><font face="Times New Roman">NTUC </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">是本地的公司，好不好很难说。不过要是保费低廉，保障大，那还不是最好，最好是一索赔就偿是最好的，最怕是买了，到了有事时就推三推四的那只好自叹倒霉了。</span><span style="COLOR: purple;"><p></p></span></b></font></p><p class="MsoNormal" style="MARGIN: 0in 0in 0pt;"><font size="3"><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">我有好几份保单，跟不同保险公司买的。</span><font face="Times New Roman"><span lang="ZH-CN" style="COLOR: purple;">
                                        </span><span style="COLOR: purple;">AIA</span></font></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">说他们是世界</span><span style="COLOR: purple;"><font face="Times New Roman">50</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">大公司。</span><span style="COLOR: purple;"><font face="Times New Roman">PRUDENTIAL </font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">说他们要越过高山（</span><span style="COLOR: purple;"><font face="Times New Roman">AIA</font></span></b><b style="mso-bidi-font-weight: normal;"><span lang="ZH-CN" style="COLOR: purple; FONT-FAMILY: SimSun; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">）追赶狮子（大东方）。大东方也是新加坡本地公司。</span><span style="COLOR: purple;"><p></p></span></b></font></p><p></p>