选择人寿大发888dafa的5个要点
Choosing the right life insurance policy means striking a balance between what you're able to pay today and what you want to leave for your loved ones later down the line. 价格是一个很大的因素, there are other important factors to consider when choosing the right policy for you.
1. 策略类型
生活 insurance types typically fall into two broad categories: term and whole.
定期人寿大发888dafa
Term life insurance policies offer coverage for a certain period of time, 例如5, 10, 15, 或者20年以上. 在此期间, 你要付大发888dafa费, and your beneficiaries will receive a death benefit should you die. At the end of the specified period (and if you do not convert or renew the policy), you stop paying the premium and are no longer covered by the policy.
终身大发888dafa
更像是一种投资, whole life insurance covers you from the day you sign up until you die—there is no end date. 随着时间的推移, 你的整个人寿大发888dafa单建立了一个现金价值, which you can cash out or use as a loan once it's reached the date of maturity.
定期人寿大发888dafa通常更实惠. For those who just wish to ensure that there's a policy in place to cover their children's needs until they go to college, 一份定期人寿大发888dafa可能就足够了. For others who wish to make a serious investment and are able to pay more per month, 终身寿险可能是有益的. 当你考虑各种人寿大发888dafa政策时, deciding which type of policy is right for your unique circumstances should be one of the first steps.
2. 定制的价格
人寿大发888dafa单的价格差别很大, 价格根据保单类型而定, 提供者, 以及你独特的环境. 当你在货比三家的时候, it's important to look for a policy that takes into consideration factors associated with your unique circumstances; for example, 你的健康, 吸烟的习惯, 旅游的历史, 以及其他习惯或指标. The more in-depth the policy information is about these types of factors, the more tailored it will be to you—meaning you could be eligible for discounts based on 你的健康y lifestyle choices or positive habits. Policies that offer more generic or lenient vetting may make up for it with higher premiums.
3. 可购性
有一个负担得起的政策很重要，原因有几个. The purpose of purchasing life insurance is to provide financial security for your loved ones after your passing. 这并不意味着, 然而, that you're depriving aspects of your financial life today to maintain your policy. Find a policy that will fit well within your budget—even when times get tough.
当面临经济动荡(失业、离婚等)时.), a life insurance policy may be one of the first things to go. Keeping it affordable from the start may help avoid this situation. 另外, 如您取消保单或保单失效, 你可能会面临一场艰苦的战斗来获得另一个, 特别是如果你的健康状况有所下降.
4. 转换策略的选项
Imagine that you're in the final year or two of your term life insurance policy and you'd like to continue with the same policy. Some term life insurance policies offer a conversion feature, 哪一项允许将保单转为永久保单.
A major advantage of this feature is that it helps you avoid having to go back to the marketplace and start your policy search all over again. It's worth noting that if you initially purchased the policy 20 or 30 years ago, you may have developed health conditions that could make it harder to obtain a new policy.
5. 生活的好处
It's important to find a life insurance policy that can offer you certain benefits while you're still living. Some policies allow you to withdraw premiums that you've already paid to cover medical expenses (e.g.、护理、癌症治疗).
While this option could save you and your loved ones from financial turmoil in the event you fall ill or become incapacitated, note that any funds you withdraw from your policy will reduce the amount your beneficiaries receive.
You want to know your loved ones are going to be well-cared for in the event that you pass away unexpectedly. Taking the extra time now to look at your options and choose something that's right for you can make a big difference in how your policy benefits you and your family later down the line. 如果你和经纪人或金融专业人士合作, 请他们帮助你彻底地评估你的选择.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
