要不要买房贷保险

PepperAnn · 发表于 2015-5-8 11:51

本帖最后由 PepperAnn 于 2015-5-8 12:53 编辑

朋友说，他办理贷款的时候买了银行推荐的伤亡保险，一个月貌似$100多，他也记不清了。保险cover主要内容是，如果贷款人（或者贷款人之一）死亡或者伤残不能工作了，保险会把剩下的房贷全部还完。买这种保险会不会太浪费，有多少人买房的时候买了这个保险呢？

小菲猫 · 发表于 2015-5-8 12:03

买汽车全保的同感，认识一位开了17年没事故的，全交保险公司了。

山清水秀 · 发表于 2015-5-8 12:29

如果买银行的房贷保险可能不如买份term的人寿保险合适，简单介绍可以参看http://web.edmontonchina.net/pic ... edge_insurance.html，想具体了解可以打电话780-920-1453咨询。

多洛洛-JE · 发表于 2015-5-8 18:11

房贷保险一个月100多？Are you kidding？？？？

suvescape · 发表于 2015-5-8 20:03

这个真不如购买个人生意外险。收费少，保的钱还多。

爱城窗帘 · 发表于 2015-5-9 08:42

我们也没有买这么高的保险,如果是不缺钱的主可以不这么想.

kingbird71 · 发表于 2015-5-9 12:46

it's totally up to your age and mortgage amount. Everyone is different. You buy it for your peace of mind.

RENSHENGXIAOSA · 发表于 2015-5-10 10:27

我们在CIBC做的贷款，说也是一个月100多刀，因为太贵了我们就没买，后来我们找的保险公司买的意外险可以COVER房贷的，就是有一方死亡他们就会支付房贷的，我们买的两个人的一年是330刀多一点。

PepperAnn · 发表于 2015-5-10 17:48

看来大家都没有买呀

Edmontonian18 · 发表于 2015-5-10 19:46

You pay for what you get. Insurance company is a business. You pay a premium for the cashflow that will come in to pay your mortgage. If the customers have children, dependents, spouse with minimum employment skills, it is a must-have risk management tool to ensure the kids and spouse a peace of mind. You can't say oh, it is a waste of money. What happens if the insured die in the 2nd year when he insures $350,000(average size of the mortgage in Edmonton area). The insurance company will pay off the mortgage with no prepayment cost. The insurance company only collect $1500 premium, but has to come up with $340,000(best guess) to pay off the insured's mortgage.

Edmontonian18 · 发表于 2015-5-10 22:42

RENSHENGXIAOSA 发表于 2015-5-10 11:27
/ i: N$ l9 D7 E! g: h我们在CIBC做的贷款，说也是一个月100多刀，因为太贵了我们就没买，后来我们找的保险公司买的意外险可以COV ...

I am not clear about the "意外险". Does that mean accidental death insurance? You better check with your insuraner. That is quite different from Life insurance.

I have a term life insurance policy. The same insurance company sent me accidental death insurance policy pre-approved from time to time. I don't need accidental death insurance. Term Life insurance is better for me.

Edmontonian18 · 发表于 2015-5-10 22:43

kingbird71 发表于 2015-5-9 13:46
% x( x' i: r% N' `; l+ Bit's totally up to your age and mortgage amount. Everyone is different. You buy it for your peace of ...

You are correct!

Edmontonian18 · 发表于 2015-5-10 22:45

PepperAnn 发表于 2015-5-10 18:48
' [ _5 d$ q1 {) d, b看来大家都没有买呀

Which insurance company you are representing? Insurance is never a bad thing. But the cost and reward is something the insured should understand on an individual basis.

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