CHU TT TIN
Hm ry, i vng quanh khu Little Saigon, nghe thy thin h ni chuyn v Bo Him Nhn Th vi nhiu l lun chi nhau qu x, ngܩi vit bn mi Thy T Bolsa, mt nhn vt ni ting trong chn giang h v Bo Him ljn ni chuyn Nj mi b con cng nghe chi.
H: Tha Thy T, nghe ni bo him nhn th l mt canh bc, c ng khng?
: Sao ch ni vy? Da vo chng c u?
H: ng B. c a con cn nh dܧi 18 tui, nghe li mt a-ging (agent), mua bo him cho con vi nh mai mt a nh c tin ng tin i hc. Nhng sau khi ng ܮc su nm, mt chng ba, bn ngn, mun rt tin ra, th ng a-ging ni l khng c ng no. l lm sao?
: Tui thit khng hiu vn NJ, phi a h s, ti mi bit ܮc n l loi no? Tui ch c th on l do hai l do:
1- Ci bo him y l mt loi "Tm" (Term) ngha l Temporary, l tm thi. Y ht nh mua bo him xe vy. Cn ng tin th cn bo him, ht ng tin, ht bo him.
2- C th n thuc loi nh k 5, 10, 15, 20, 25, 30 nm. Qu thi hn , cng-trc ht hiu lc.
H: Ti sao ngܩi ta phi mua loi ?
: V ngܩi ta ngh rng h ch cn tin trong thi gian y m thi. Sau n dnh ti chnh ri, khng cn bo him na. Hoc h ngh rng h khng sng ni qu by nhiu tui, mua nh k cho n r. Hay v ti chnh tm thi cha Nj mua loi "Sut i" (Wholelife), nn mua ǫ loi Temporary. Khi no c nhiu tin hn, s mua loi "Sut i". Ch khng bit ch, c loi nhng nm u th ܮc hܪng tht nhiu, cng v sau cng t i, v ljn mt lc th thnh ZRO.
H: H? Ci g m k cc vy? Tr tin cho ri li ch thu li ܮc ng no? B in sao?
: u c in. Ci gi l iridinh Insuarngs (Decreasing Insurance). Mt ng ch tim no , mi bt u bisint (business), n ngp u, s rng nu mnh c gp chuyn, th v con lnh , nh ca b tch thu, xe c b xit, v con ra ܩng lm hmlt (Homeless), nn mua ci ny vi hy vng l sau 10 nm ng s thnh cng, ch cn na, nn mua loi ny. C li l nu ca tim b ngay nm u, tin bi hon rt cao.
H: Th c loi no m cng ngy tin bi hon cng cao khng?
: C ch. l Inriding Insuarngs (Increasing Insurance). Mun ܮc nh th th phi ng mi ngy mi cao. D t.
H: Li c khi no m tin ng cng ngy cng cao, m tin bi hon khng tng?
: Cng c na. N gi l Plchxibn Prmium, hay Dunivcsn, hay Varipbn Laiph (Flexible Premium, or Universal, or Variable Life). Ngܩi mua ch mun ng t tin m mun nhiu bnft, nn phi chp nhn rng ljn mua loi ny cng ging nh nh bc vy. Nu phn li tng th ngܩi mua c li nhiu, nhng nu phn li khng tng m ngܮc li, li gim i, tin ng gp khng th cov (cover) ni, th t gnh. Mun tip tc th phi chu tng tin gp. Ni cch khc, nu ngܩi mua mun ng ti thiu m li mun bnft ti a (d sau 15, 20 nm, vt gi tng gp nhiu ln, gi tr ng tin gim i) th hng ܮc. Mua loi ny phi nhc u theo di phn li ngoi th trܩng ln xung. i khi mt li ba, nhng i khi mt c ch ln chi.
H: Nh vy th ng l nh bc ri. Tui hng khoi nh bc th lm sao? C loi no bn bn nh xy nh trn t m c nn mng hn hoi khng?
: D nhin. Khng c th sao gi l Bo Him Nhn Th ܮc. l loi HnLai (WholeLife) y. Dng loi ny th hon ton bo m ljn 98 tui.
H: a, sao li ch c 98 tui? Nh ngܩi ta sng ljn trn 100 tui th sao?
: Ch cn ljn 98 tui thi. Ti th d cn sng vn lnh tin nh thܩng.
H: Vi loi ny th c li nh th no?
: Nhiu lm ch.
1- Tin ng gp hng thng s sinh li ty theo cch kinh doanh ca cng ty. H dng tin bo him Nj lm ch nhng hng khng l khc, dem li li tc cho thn ch. Nh Cng ty Metlife v Prudential l hai cng ty ln nht nh nܧc M (c th ln nht th gii lun) th tin li khng khip lm. K l New York Life, ri Farmer, Kemper... Ngܩi ng tin bo him cng l c ng ca cng ty s ܮc chia phn. Nh vy th khi mua bo him, ngܩi ta d tr ch ܮc 100,000 thi, nhng thc t c th l 115,000 hay 120,000 khng chng.
2- Ch cn ng trong mt thi gian l 12 ljn 16, 17 nm, tin li sinh ra t s tin ng gp s t lo ly n, v lc y, ngܩi mua chng cn ng ng no na, cng vn nhn bnfit y chang.
3- Mܩi my nm sau, nu cm thy khng cn thit na, th bn li giao ko cho hng, v ly tin cash v. Tuy khng ܮc nh s tin d nh, cng li hn rt nhiu so vi khi em s tin y i kinh doanh. M li chc n, khng s l hay bengrpxi (bankrupcy).
4- Nu mua thm mc Tai Nn (Accidental Death Benefit) khong vi ljn hn chc mt thng, th s ܮc hܪng gp i. Ngha l thay v 100,000 nh trong giao ko, thn nhn li ܮc 200,000. Nu li v i xe c tr tin v th hܪng gp ba: 300,000!
5- Nu ljn tui gi, con chu d d ri, th c th chuyn sang tin Hu Tr, mi thng lnh mt s tin i du ngon chi cho tui gi! Khe re!
6- Nh ng t m hܪng tht nhiu. Th d nh em nh 11 tui, ch mua trong 6 nm vi tng s vo khong 9 ljn 10 ngn thi th khi em ljn 70 tui, nu khng mun tin t na c th t rt ra t 110,000 ljn 120,000! Cn tin bi hon khi "ra i" ln ti 400,000 hay 500,000! Ni chung, so snh Tm (term), Dunivsn (Universal) v Hnlai (Wholelife) ta c th ni:
Mua Tm (Term) cng nh i thu nh . Ch nh c th cho , hoc mi i ch khc chi lc no cng ܮc, khng c iu kin g rng buc ng ch c. Mua Dunivsn cng ging nh Lid (lease) ci xe hoc lid nh. Hn xui may ri th li hoc l. Cn mua Hnlai th nh mua nh, ngha l hon ton thuc quyn lm ch ca mnh. ng tin 15 nm ri thnh thi th ti rܮu bu. Khi cha tr ht tin m mun bn nh th ly v quyti (Equity) ca cn nh. Mua "Sut i" cng th, c th bn giao ko Nj ly tin ra xi chi, ty theo giai on m tin ly ra nhiu hoc t. Ly sm th l vn, ly tr th li to. Mua nh cng th, mua ri mun bn ngay trong vi nm u th coi nh hp cho.
H: Nghe vy cng ܮc ܮc. Nhng li c ba cu hi ny hc ba lm, s ch tr li khng ni:
1- Mt s ngܩi e ngi rng khng mua bo him th cn v cn chng, nhng mua ri th n c lm le mong mnh ngo! C a cn m mu em ngܩi b hi ng ngܩi phi ngu Nj ly tin?
2- Mua lm chi? Mua Nj cho n m tin i kim thng khn nn (con khn nn) no m cho th dܧi sui vng tc hc mu!
3- i lm cng xi ri, ch cn phi mua bo him. Mi nm s s c trm nghn, xi khng ht, u c phi lo?
4- Hin ang lm s cng c bo him vy, cng 200,000 ch t g? Cn g mua thm?
: C g u m hc ba! Nu m l ly nhm mt th yu tinh tham tin qun ngha th ch cn mua bo him, n cng lm le mong mnh ngm. t nht th n cng cm cho vi ci sng b to t b. Thiu g a i ly d, ri trong khi ch Ǯi ta n, n ln vc ht "rt c", "chch-bc" ra xi cho ht ri mi dt. Thiu g a bp v (chng) con m no c bo him chi.
Li na, nu n khng chung thy m m tin theo thuyn khc (thuyn en x, thuyn trng bc, thuyn M, thuyn Thi Lan...) th cc con mnh cn ǫ kh v vn c tin n hc cho ljn khi thnh ti. Cn hn, ngm ri, tay trng, con ci phi b hc, m n vn phi i kim mt ci ct nh Nj m. ng no ǫ hn? Ngoi ra, nu ni l c tin Nj dnh, khng cn my, nhng mnh l ci cn cu cm, khi cn gy ri, th tin Nj dnh cng phi ly ra n dn. Nu c thm vi trm ngn cho v con lm vn, chng hn ?
Cn cu "hin ang lm cng c bo him ca hng ri th nn nh rng l loi Temporary, ngha l tm thi thi, ht lm l ht bo him. M thc t cho thy t ngܩi ngoo trong khi i lm lm, v hu hay b L-p ri th ht. Lc mun mua bo him mun: tin ng cao lm! Tht ra, mua bo him l v l do g nh?
1- Tnh Thng ca Ngܩi Chng (V) Dnh Cho Ngܩi Phi Ngu v Con Ci
C thng yu th mi lo liu cho mnh ng l gnh nng cho ngܩi mnh yu thng. ng v mnh m nhng ngܩi cn li mo mt, lo tr n, lo lut s, lo bn nh, i "se" phng khi ngn hng ljn trn lt ht c ch cn b ng. Nu khng c ni lo y th liu vic tng thm cho ngܩi mnh yu thng mt mn qu ln c thit thi khng? Mi thng ch Nj dnh cho v (chng) con mt trm bc c l s hy sinh gh gm lm khng? Liu cu ni "i do, b y (ng y) u cn g tin! Vy cng ri!" c phi l cu ni bao hm thng yu khng?
2- u T Mt Cch Khn Ngoan v Chc Chn.
Khng c g mang li mt mn li nhiu nh th. C khi ch mi ng tin c mi mt ln hai ba trm l v con c vi trm ngn! V b tin vo hng bo him cng nh b vo con heo st, i u m mt? V li khi cn kh nng kim tin th b ra mt trm mi thng c chi l gh gm m li th hin ܮc c tnh THNG YU, CN KIM, NHN XA TRNG RNG, CHU TON GIA NH TRНC SAU. Khi v gi, khng cn kh nng kim tin na, li tic xt th mun ri. Theo thng k, c 100 ngܩi ljn tui 65 th ch c:
- 4% kim trn 35,000/nm.
Cn li: 51% kim trn 6,000/nm, 20% kim dܧi 6,000/nm v 25% ngm!
Ci "ngm" l ci khng ai phng b ܮc. "Cuc ǩi nh my ni, nh gi thi, nh chim bao..." Nay cn, mai mt, ai dm v ngc ti khn? Mua bo him nhn th l cu tr li hay nht, tr khi xui xo gp nhm hng nh cng "nay cn, mai mt", hoc lm giy t m khng ܮc gii thch r rng.
Ni nhiu , cha, ch em?
H: Chc gn , v cn nghe ni no l An-nui-ty (annuity), no l Mu-tu-n (mutual), no l Stc (stock), no l uksn (education)... Nhng thi, Nj k sau hi tip. By gi th cm n Thy T Bolsa.