ING iip18 change to investment plan?

yuriyuri

I had a ING ipp18plan and already pay for 8years every year pay rm1878 pay until age37 I will get rm3000 per month until age100. Now my agent ask to  change plan to the investment plan  is it good to change? Sorry my iPad can't type chinese so I have to write on English sorry

luicl

回复 1# yuriyuri


    你今年几岁呢？如果到了37岁，还需要付保费吗？ 很好奇Agent叫你换plan的理由是什么。

yuriyuri

My age is 27 after 37 don't need to pay, the reason he ask me to change 1st if I want to take money from my old plan I have to "borrow"from ing and pay 7% interest every year, 2nd if I take investment I can have 5to 19% feedback  3rd if I have sick or lost leg, hand or die I can get back the money I pay and the ing will pay me as well.

luicl

回复 3# yuriyuri


    那如果你37岁后不要拿钱出来，继续供又会怎样？
    现在新的plan有包括医药卡？

yuriyuri

有利息,新的方案有包三+六种病但因该不是医药卡

yuriyuri

如果我三十七岁钱没拿利息不高,还有说有三干但是最后减了保费只有一千二

[风]少爷

我劝你不要换。。

f1rstfp

根本没有得换，是你的 Agent 骗你买新保单，不信自己打给 ING 问问看。
还有，IIP18 是一份要供到 100 岁的保单，所谓的不用供是用 Cash Dividend + ICP 来供，这样到最后你就拿不到什么钱了，因为都拿去还保费了。