Choosing Life Insurance
Choosing life insurance is wearying; so many insurance companies, so many products, so many agents, which most of them are very confusing, even more, recently there is a relative new product which is nicely packed of insurance and investment. They offer a different benefit, which is related to the difference of whole life and term life insurance rates. Pfffh… so complicated! But as far as I did my research, most of professional financial consultants suggest us to buy life insurance separately from investment. The high administration fee, low return, and minim transparency of unit link products (life insurance + investment) are the caused why the pro don’t suggest it.
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