LIFE insurance

小灵通

昨日去AMP搞SUPERFUND， Agent asked whether I was interested in buying Life insurance for death and disability cover? Any suggestions? which company is better?

pisces

our company provide life/disability insurance to emplyees, managed by the super company.

小灵通

How much did you? how much is the coverage?

astina

很多super fund都兼带insurance的，没有另外买的筒子就用super fund买一个吧，have peace in mind,也是对家人的负责

m8rics

XiaoLT  在 7/4/2005 10:44 发表:

昨日去AMP搞SUPERFUND， Agent asked whether I was interested in buying Life insurance for death and disability cover? Any suggestions? which company is better?

i have Life insurance for death and disability cover with amp super, and Temporary Salary Continuance insurance. they are all deducted from pre tax salary.

小灵通

m8rics  在 2005-4-7 10:57 AM 发表:

i have Life insurance for death and disability cover with amp super, and Temporary Salary Continuance insurance. they are all deducted from pre tax salary.

What is the coverage of "Temporary Salary Continuance insurance"? and how much did you pay?

m8rics

XiaoLT  在 7/4/2005 11:04 发表:

What is the coverage of "Temporary Salary Continuance insurance"? and how much did you pay?

i pay about $5-6 a month before tax. here's the product introduction.

AMP Income Continuation Insurance
This product pays you a monthly amount while you are so ill or injured that you are unable to work.



After you've been unable to work for a specified period because of illness or injury and continue to be unable to work, we will pay you the monthly amount you choose. The amount payable (including any other income you may earn) can be up to 75% of your usual income.



You can choose between three levels of cover - Basic, Standard and Advanced, depending on the sort of plan you want.



The premiums you pay for this insurance depend on your age, your circumstances, the waiting period, benefit payment period, level of cover and the monthly benefit amount you choose.



For details of the current fees and charges, check the current Risk Protection Product Disclosure Statement.



Benefits include:

you can choose from a range of waiting periods and benefit payment periods
you can choose yearly, half-yearly or monthly premiums
if you are being paid a claim from this plan, you don't have to pay premiums
you can choose between Basic, Standard or Advanced cover to suit your personal needs
benefits are CPI indexed
optional superannuation contributions
take advantage of the added protection of the guaranteed minimum income feature, which protects you if your income falls after you start your Income Continuation plan.

小灵通

m8rics  在 2005-4-7 11:45 AM 发表:

i pay about $5-6 a month before tax. here's the product introduction.

AMP Income Continuation Insurance
This product pays you a monthly amount while you are so ill or injured that you are unabl ...

Thanks a lot. I will talk to AMP agent next week.

ThePlaceToBe

公司提供了一份，偶又在AIA另买了一份。因为公司的那份好象是有前提的：必须受雇于那公司。
你如有兴趣比较，可以把那SALES的电话给你。

cheers

这个是在SUPER ACCOUNT 里可以抵税的，所以不要用自己的钱买，要买一定用SUPER 的钱买。。。这个费用不可以在你自己的TAX RETURN里抵税

小灵通

ThePlaceToBe  在 2005-4-7 12:43 PM 发表:

公司提供了一份，偶又在AIA另买了一份。因为公司的那份好象是有前提的：必须受雇于那公司。
你如有兴趣比较，可以把那SALES的电话给你。

给我吧。谢谢。

astina

ThePlaceToBe  在 2005-4-7 12:43 PM 发表:

公司提供了一份，偶又在AIA另买了一份。因为公司的那份好象是有前提的：必须受雇于那公司。
你如有兴趣比较，可以把那SALES的电话给你。

是的，公司的那份就是在雇佣期间的，一旦离开就没有了

jj自己的那份保费比super买的是贵还是便宜了？

ThePlaceToBe

XiaoLT  在 2005-4-7 12:57 发表:

给我吧。谢谢。

Lucy Luo
(03)9830 6160
0402 335 928

ThePlaceToBe

astina  在 2005-4-7 13:01 发表:

是的，公司的那份就是在雇佣期间的，一旦离开就没有了

jj自己的那份保费比super买的是贵还是便宜了？

贵一点。偶的是300多一年，包死亡和重大疾病各10万刀。有年龄系数的。

astina

ThePlaceToBe  在 2005-4-7 01:34 PM 发表:

贵一点。偶的是300多一年，包死亡和重大疾病各10万刀。有年龄系数的。

还好，可以考虑哦。谢谢

ThePlaceToBe

astina  在 2005-4-7 13:35 发表:

还好，可以考虑哦。谢谢

8谢。

小灵通

刚接LP指令，再问一下是否有筒子立过WILL, 具体过程？有没有好的绿司推荐？

pisces

XiaoLT  在 2005-4-7 01:48 PM 发表:

刚接LP指令，再问一下是否有筒子立过WILL, 具体过程？有没有好的绿司推荐？

到邮局买一份will，25刀左右，就可以了。

小灵通

pisces  在 2005-4-7 01:50 PM 发表:

到邮局买一份will，25刀左右，就可以了。

不用绿司吗？

astina

如果是自然继承的话也没有必要立遗嘱

如果是要指名把财产留给这个朋友，那个亲戚，那么需要立的

邮局有现成的kit好买，大概30快左右吧

garden_state

就是说夫妻对方还有孩子之间没有Will也是可以直接继承的吗?

astina

对的，我研究过的，这些自然继承，写不写遗嘱都是一样的

小灵通

astina  在 2005-4-7 02:08 PM 发表:

对的，我研究过的，这些自然继承，写不写遗嘱都是一样的

谢谢！

ThePlaceToBe

如果继承人未成年, 父母又都不在了, 有谁做监护人的问题. 这个监护人最好事先指定.

小灵通

太周到了。

ThePlaceToBe

这个, 偶也研究过滴,

熊姥姥

astina  在 2005-4-7 02:08 PM 发表:

我研究过的，这些自然继承，写不写遗嘱都是一样的

各位莫非都是万贯的身价说？

小灵通

熊姥姥  在 2005-4-7 09:09 PM 发表:

各位莫非都是万贯的身价说？

对，万贯，一万贯=一刀。晓得了伐。

Yana.chen

想问个弱弱的问题，保了AMP的Life insurance，那个年龄 75岁是啥意思？是到那个年纪就不给保了么？

yellow

楼上各位的问题， 可以带你的 Policy/Account Statement来见我，帮你们解释。