銀行擁有的人壽保險是否真的有效？
銀行擁有的人壽保險是否真的有效？
 Bank-owned life insurance "works" in the sense it is typically reputable and the underwriting carrier is fairly highly-rated. However, often, the beneficiary is not your spouse or other family member but rather the bank itself. Also, plans may be limited and the premium you pay might be higher (perhaps significantly) than other available options. Always shop around for life insurance, especially term coverage.
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