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概述

人寿保险

生活 保险 can be an important part of your family’s long-term financial planning. 然而,购买合适的报道可能会让人望而却步.

All 人寿保险 政策 have one thing in common – they’re designed to pay money to the “named beneficiaries” when 你死. 受益人可以是一个或多个个人,甚至是一个 组织.

In most cases, 政策 are purchased by the person whose 生活 is insured, but 生活 保险 政策 can be taken out by spouses or anyone who is able to prove they have an insurable 对人感兴趣.

有许多不同类型的人寿保险. However, they fall into two 人寿保险产品类别:期限和现金价值. Take the time to explore your options and 在做出承诺之前,找一位值得信赖的顾问咨询潜在需求.

定期人寿保险

定期人寿保险 -是一项政策 purchased for a period of time (a term). 本保单向指定受益人支付款项,如果 insured dies during the term. 定期人寿保险的目的是提供低成本的保险 特定的时期.

定期寿险保单可能包括一项条款,允许承保以下 continue (renew) at the end of the term, even if your health status has changed. 然而,这些 保费可能比原保单高. 在续费之前,问一下保险费是多少. 另外,问问你是否在某个年龄失去续费的权利. If the policy is non-renewable you 需要在期末申请保险吗.

现金价值人寿保险

A 现金价值人寿保险 政策是不同的 因为你想用多久就用多久. These 政策 also have savings or investment features, which make it possible for policy owners to get money from the policy while 他们还活着. 全寿命、通用寿命和可变寿命是现金价值的三种类型 政策.

神话与. 现实

Know the truth about 人寿保险.

神话: 我是一个呆在家里的配偶,我的家人不需要给我保险.

现实: Stay-at-home parents provide a lot of valuable services that are necessary to the success of 一个家庭. If your spouse works full time, and you manage the household, will they need 有人打扫,做饭,照顾和开车接送孩子? Insurance can provide funds to allow the working spouse to take time off and pay for help with household tasks.

神话: 我的工作人寿保险是足够的.

现实: Everyone’s needs are different. 你的公司人寿保险可能足够了,但它是值得的 花点时间去确认. 为了确定你的需求,了解多少是有帮助的 your family depends on you financially and consider the expenses involved with end of 生活 医药费和丧葬.

神话: 你在网上买人寿保险会更划算.

现实: While the Internet provides good information, it is not necessarily cheaper. 你可能会 pay the same in premiums if you use an agent or purchase a policy online. 代理人可以提供帮助 you figure out how much 保险 you need and assist you with the application and help you understand the terms of the policy.

神话: I can only have one beneficiary.

现实: You can have many beneficiaries. 你只需要记下你的死亡百分比 每个人都有好处. 专家建议你考虑建立一个信托或遗产 未成年人,因为保险公司不会支付未成年人.

神话: All cash 价值 政策 are the same.

现实: In some cash 价值 政策, the 价值s are low in the early years but build later. 在其他 政策 the 价值s build up gradually. 让你的保险顾问举例说明 showing future 价值s and benefits. Most term 政策 do not have cash 价值.

问题

Decided you need 人寿保险? Ask these questions before you 买.

问问你自己

  • 我能为家庭提供多少收入?
  • 这些财务义务会随着时间的推移而改变吗?
  • 知道死亡的风险每年都在增加,是如何增加的 你预计死亡抚恤金需要多少年?

问你的代理

  • Do I pay the premiums on a set schedule?
  • Does the policy have a cash 价值?
  • 政策价值每年都在变化吗?
  • 哪一部分的保险费或保单价值没有得到保证?
  • 我的保单有最低保额吗?

有问题? 我们会帮你的.

谁需要人寿保险??

你对人寿保险的需求随你的年龄和年龄而变化 责任. 它是财务规划中非常重要的一部分. 有几个 reasons to purchase 人寿保险. 你可能需要用它来弥补失去的收入 the death of a wage earner. 你可能想要确保你的家属不发生 significant debt when 你死. 人寿保险可以让他们保留资产而不是出售 them to pay outstanding bills or taxes.

消费者在购买时应考虑以下因素 人寿保险:

  • 死亡前的医疗费用,丧葬费用和 房地产税;
  • 剩下的家庭成员试图获得支持 就业;
  • 每月的账单和开支,日托费用, college tuition and retirement.

What is the right kind of 人寿保险?

All 政策 are not the same. Some give coverage for your 终身和其他保险为您提供特定的年限. Some build up cash 价值s and 别人不. Some 政策 combine different kinds of 保险, and others let you change from one kind of 保险 to another. 有些保单可能会提供其他福利 仍然生活. There are two basic types of 人寿保险: term 保险 and permanent 保险.

定期人寿保险

定期保险通常在早期保费较低, 但这并不能给你带来未来可用的现金价值. 你可以结合现金价值 人寿保险 with term 保险 for the period of your greatest need for 人寿保险 取代收入.

定期保险的保险期限为一年或一年以上. It 只有在你死的时候才支付死亡抚恤金. Term 保险 generally offers the 为您的保费提供最大的保险保障. It generally does not build up cash 价值.

您可以为一个或多个定期保单续保 terms, even if your health has changed. 每次你续签保单的时候, 保费可能会更高. 问一下如果你继续续保的话,保险费会是多少. Also ask if you will lose the right to renew the policy at a certain age. 以更高的 premium, some companies will give you the right to keep the policy in force for a guaranteed period at the same price each year. 在这段时间结束时,你可能需要通过体检 检查继续覆盖,保费可能增加. You may be able to trade many term 保险 政策 for a cash 价值 policy during a conversion period even if you are 身体不好. 新保单的保费将比你以前支付的要高 保险这个词.

永久的保险

永久性保险(如万能寿险、可变万能) 终身和终身)提供了长期的财务保障. These 政策 include both a 死亡抚恤金,有时还有现金储蓄. Because of the savings element, premiums 倾向于更高.

How much 人寿保险 do I need?

问问你自己 the following questions:

  • 我能为家庭提供多少收入?
  • 如果我死了,我的幸存者会怎么做,尤其是我的 孩子,得到?
  • 还有其他人在经济上依赖我吗,比如 parent, grandparent, brother or sister?
  • 我是否有想要抛弃的孩子 如果我死了,他们就有钱完成学业了?
  • 我的家庭将如何支付最后的开支和偿还债务 我死后
  • 我是否有家人或组织愿意与我合作 喜欢留下钱?
  • 我死后要交遗产税吗?
  • How will inflation affect future needs?

一些保险专家建议你购买五到八个 乘以你当前的收入. 然而,最好是通过上述问题来计算 一个更准确的量.

提示 on Buying 人寿保险

  • 确保你对金博188的网站有信心 公司.
  • 决定你需要多少,需要多长时间,以及你可以做什么 支付.
  • 了解什么样的政策可以满足你的需要 and pick the one that is best for you.
  • 在仔细审查申请表之前不要签字 确保答案是完整和准确的.
  • 不要购买人寿保险,除非你打算坚持 你的计划. 如果你在保单的前几年就退出,可能会付出很大的代价.
  • 当你买保险时,要把支票付给保险公司 公司,不是代理.

Who can take out a policy on my 生活?

只有拥有“可保利益”的人才可以购买保险 保险 policy on your 生活. 这意味着一个陌生人不能买一份保单来为你的 生活. People with an insurable 感兴趣 generally include members of your immediate family. In some circumstances your employer or business partner might also have an insurable 感兴趣.

可保利益也可能适合机构或机构 people who become your major creditors.

为什么定期寿险常被称为“临时”保险?

金博188的网站有时把定期保险称为 “临时的”,因为定期保单只持续一段时间. 现在可能已经没有了 “临时的”比你的汽车或房屋保险. Just like term, those types of 政策 provide coverage for 特定的时期 of time, and must be renewed when that period ends.

What do I get when I 买 term 保险?

你已经购买并收到了公司的保证,如果 你死 during the term of the policy, it will pay a death benefit to your beneficiary.

保单之后的现金价值是 全部付清了?

该公司计划用现金价值支付保险费,直到 你死. 如果你取出现金价值,可能不足以支付保险费. 该公司 could require you to resume paying premiums, or reduce the amount of the death benefit to an 剩余现金价值将支持的金额.

What is a "participating" policy?

这种政策可能会给你带来好处. 你有机会 “参与”公司的收益. 人寿保险红利实际上是一种退款 你保险费的一部分. 当一个公司收取的保费超过了它需要支付的金额时 death claims and maintain the 保险 pool for future claims, the 公司 may pay dividends at the end of that year.

一位金博188的网站建议我购买定期保险 而不是整个生命. 购买期限并将差额进行投资有意义吗?

“购买期限,差价投资”一直是一种流行的销售方式 终身口号. 这是一种最便宜的人寿保险, with other kinds of 人寿保险.

例子:

  • $100,000 death benefit at age 35
  • Annual whole 生活 premium: $1,800
  • Annual renewable term premium: $250
  • 区别:1550美元

你有什么选择??

  1. 买的一生. The "difference" is used to keep your 随着年龄的增长,保险费低于实际的保险成本.
  2. 买项. 保留差值.

此外,确保你考虑到以下几点:

  • 随着年龄的增长,定期保费会增加 up with the cost of 保险;
  • 如果你投资了差价,你可以利用你的 投资支付较高的保险费用;
  • 如果你花了这笔钱,你就得动用这笔钱 other savings to pay higher premiums; and
  • 如果你的健康状况恶化,你可能买不起 新政策.

How much cash 价值 is in my policy?

阅读你的政策. It has a table of cash 价值s that should 提供答案. 如果你仍然不确定现金价值,打电话给你的代理人.

我死后保单的现金价值会怎样?

当你死亡时,保险公司将支付死亡抚恤金. No matter how much cash 价值 you may have had in the policy the moment before 你死d, 你的受益人最多只能领取指定的死亡抚恤金. 你没有的任何贷款 偿还的款项(加利息)将从死亡抚恤金中扣除.

这样做的结果是:你的受益人最终可能会得到比这还少的钱 面对金额的政策.

但也有例外:一些终身寿险保单会同时支付死亡赔偿金 benefit and the cash 价值 when 你死.

提示 & 工具

Need help navigating 人寿保险?

消费者s Guide to 人寿保险

提供人身保险相关信息的一站式服务. This provides useful insight into the types of 政策 available and helps you estimate how much 保险 will provide adequate coverage, depending on your individual need. 查看 消费者s Guide to 人寿保险 更好地了解人寿保险产品.

消费者s Guide to Annuities

帮助s consumers understand the differences among various annuities so they may decide whether purchasing an annuity is right for them and what type might best fits their needs. 查看 消费者s Guide to Annuities 为了更好地了解年金产品.

消费者s Guide to Cancer Insurance

The decision of whether to purchase cancer 保险 can be a challenging one. 虽然癌症治疗占美国所有癌症治疗的10%.S. health expenses, the policy will only provide benefit if one is afflicted with the disease. 查看 消费者s Guide to Cancer Insurance 为了更好地了解你的选择.

Be prepared before you 买

Review Your Insurance Needs

和金博188的网站谈谈. He or she can help you evaluate 您的需求,并为您提供有关可用政策的信息.

Decide How Much Coverage You Need

你能提供多少家庭收入? 做别人 在经济上依靠你? 你的家庭将如何支付最后的费用和偿还债务 你的死亡? Based on the answers to these questions, decide how much coverage you need, for how long and what you can 支付. 你要确保你买了足够的生命 保险 to cover the financial effects of an unexpected or untimely death.

Assess Your Current 人寿保险 Policy

如果你已经有了一份人寿保险,不要取消它 until you have received the new one. 请记住,您可能不必取消您的 目前的政策. You may be able to change your policy to get the coverage or benefits you 现在想要.

比较不同种类的保险单

寿险有两种基本类型:定期寿险和现金寿险 价值. Term generally has lower premiums in the early years but does not build up cash 价值s that you can use in the future. 现金价值可以是以下几种类型之一:终身价值, universal 生活 and variable 生活. 你的选择应该基于你现在和现在的需要 future and what you can afford.

确保你能负担得起保险费

在购买人寿保险之前,一定要确保你可以 负担得起费用. Can you afford the initial premium? If the premium increases later, will you still be able to afford it?

让金博188的网站帮你评估未来 你们的政策

How quickly does the cash 价值 grow? 有些政策 最初几年的现金价值很快就会增加. Other 政策 have a more level 现金价值增加. 要求你的代理人每年展示你的价值和利益.

保留当前保单

重要的是,你不要放弃一份保单而购买另一份 没有对新政策和现有政策进行彻底研究. 取代你的 保险 policy may be costly.

Understand Renewal Policies

您可以为一个或多个定期保单续保 terms, even if your health has changed. 每次你续签保单的时候, 保费可能会更高. 问一下如果你继续续保的话,保险费会是多少. Also ask if you will lose the right to renew the policy at a certain age.

仔细阅读你的政策

每年的保费或福利是否有所不同? 多少钱? benefits build up in the policy? 哪些部分的保费或福利是没有保证的? What is the effect of 感兴趣 on money paid and received at different times on the policy? These are all questions that you should be able to answer by reading your policy thoroughly. 你的代理人可以帮助你了解你的政策.

每隔几年回顾你的人寿保险计划

通货膨胀将如何影响你未来的需求? 你还需要更多吗 保险 when your family size increases? 每隔几次就和你的代理人回顾一下你的保单 几年的时间来跟上你收入和需求的变化.