如果我有一個普遍的生活政策，保證的一面在75歲時變為零，這是否意味著我在那個年齡失去了死亡的好處？
如果我有一個普遍的生活政策，保證的一面在75歲時變為零，這是否意味著我在那個年齡失去了死亡的好處？
 I think it means that you lose the guarantee at age 75. At that point what will happen? The insurance company could very well send you a bill for a premium that is much, much higher than what you have been paying. Or, they may want to pay for the policy from your cash value, if that is a provision in the contract. Either way, you may be faced with options that you just dont want. It would be best for you to take charge of the situation now and do two things: 1. Get an in-force report showing current and future values, to see what you can expect on the policy going forward; 2. Shop out the coverage to see if another policy would help you better meet your goals.
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