If you buy Unitlink insurance and intend to reduce your capital?

Introduction

Many people with families and young children often choose to buy Unit Linked, with a high cost of life insurance as collateral for their children, and have a plan in mind: "I'll get old, I'll graduate, and I'll go downward" to escape the COI that will become more expensive with age...This is a smart plan! But the question is, is there a "different choice" that might be worth or better for us than finishing a single volume of Unit Linked? The answer is "Yes." Let's take a look at these three options.

Content

📌 1.Choice for Disciplined People: "Buy Disposable Insurance + Invest Yourself" (Buy Term, Invest the Difference)

Instead of including money in the Unit Linked, you can split your pocket by buying "Term Life" insurance, such as 10 years or 20 years of coverage, which is "very cheap" but gets a million to ten million in capital insurance (covering when your child is small and you have a lot of burden), and the rest of your allowance is invested 100% in a mutual fund or dividend stock (such as Thai stocks or foreign ETFs).

Advantages: Investment capital matures. Policy fees are not deducted.

Caution: There must be the ultimate "investment discipline." Do not spend this money on anything else.

📌 2. Choice for people like to be sure: "lifetime insurance + separate investment portfolio."

If you're worried about Unit Linked's COI fluctuating when you're old, you can buy "Whole Life Insurance" on a short pawn basis (such as 10 years or 20 years) instead.

Advantages: Fixed premiums throughout the contract, paid at the end, covered for a long time to the age of 90-99, without worrying about the reduction of old insurance capital, and the rest of the collection is invested according to the risk.

📌 3.Choice for people like Unit Linked, but use the "Highlight Top-up" technique.

If you like the convenience of Unit Linked, but don't want to get a headache when you're old, use the "Minimum Initial Insurance" method (enough to cover basic risks) and spend most of your money in the "Top-up savings" model. * Advantages: The money you pay will be deducted as a COI, and the top-up will run into the fund to make a full unit return without waiting to cut your insurance in the future.

Conclusion

All in all, the old Unit Linked Capital Reduction is not the only option. If you don't have the time and want an expert to manage it in one volume, Unit Linked is still the most problematic. But if you are "highly disciplined" and knowledgeable about portfolio management, extracting premium insurance (Term) along with investing money in your best assets (BTID) may be a more wealth-generating option for your family in the long run. Let's choose the "yes" approach to your style.

- Match SURE, perfect insurance. -

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