Joint and Survivorship Insurance: What You Need to Know

联合保险是由两个人共同购买的一种保险,它提供的收益是单一保险单所不能提供的,并且可以让您节省每月几美元的保费。如果您已婚,并且希望您的配偶在您死亡时得到利益,而您的子女在您俩都死亡时也可以得到利益,这似乎是最佳选择。

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But that isn’t necessarily the case. Joint life insurance policies certainly serve a purpose, but there are some major flaws to consider as well.

What is Joint and Survivorship Insurance?

联合人寿保险有两种类型:第一人寿和第二人寿。在这两种情况下,这些选择通常都比提供相同收益的单一人寿保险单便宜。结果,他们经常被只有彼此和他们的孩子考虑的已婚夫妇所接管。

例如,如果您已婚,有两个年幼的孩子,您的全部身故赔偿金将支付给您的配偶,如果他们去世,则将其支付给您的孩子,这似乎是最好的选择。您将获得更便宜的保费,您将如愿以偿,同时,如果您的伴侣发生任何事情,您将得到保障。

Perfect, right? Well, not quite, as there are some problems to consider.

First-to-Die

A first-to-die policy pays money to one policyholder when the other dies. If you have a $500,000 policy charging $100 a month, then you and your spouse are responsible for paying the $100 and if one of you dies, the obligations will end and the $500,000 will be released to the surviving spouse.

Pros and Cons of First-to-Die Insurance

This insurance policy seems like a win-win on the surface. Insurance companies can save money by acquiring two customers at once and reducing liabilities slightly, while the policyholders can get the benefits provided by two policyholders.

但是,如果分手了会怎样?这些政策通常是由30多岁的已婚夫妇实施的,可以持续数十年。到那时,他们可能在一起度过了5至15年的任何时间,并假设他们还将在未来30年左右度过。但是平均婚姻只能维持8年,无论您今天有多亲密,都无法知道您的婚姻将持续下去。

If anything does happen, all those premiums could be for nothing. The policy will still exist and if you keep making the payments, you’ll keep the death benefit alive. But if you remarry, you’ll likely want the money to go to your new partner and not your ex.

这些政策是最大的问题,这就是为什么许多保险专家不建议年轻夫妇这样做的原因。如果您有两项政策,则可以轻松地使您的配偶成为受益人,并且如果关系终止,则可以将其从合同中删除并添加新合伙人的姓名。

此外,我们无法保证此政策会比两项单独的政策便宜。实际上,首付政策很少见,这意味着市场不是很强劲。当竞争薄弱,价格高昂时,在许多情况下,您可能会难以找到比单独的政策更便宜的联合政策。

最后,假设申请人年龄在30岁左右,其中一名在50岁时去世。幸存的配偶随后收了这笔钱,此后可以过上舒适的生活。但是他们的孩子呢?如果他们找到一个新伙伴,那又如何呢?该保单将完成,这意味着尚存的保单持有人现在要想继续投保就需要支付额外的保险。对于50岁的w夫来说,这可能是棘手的,因为保费将大大增加。

Second-to-Die

A survivorship policy, also known as a “second-to-die” policy, is more common than the option outlined above. It is frequently acquired by married couples who want to provide cover for their children, and it pays out only when both of them die.

Pros and Cons of Need Second-to-Die Insurance

A second-to-die life insurance policy has its uses. It’s often recommended to individuals with large and valuable estates, as it can give heirs money to cover inheritance taxes and other costs and allow them to better prepare for the transition. 

但是,如果您是普通夫妻,但资产规模不大,则可能无法提供所需的福利。首先,尚存的配偶将不会获得死亡抚恤金,而是要继续每月支付保险费。如果他们有任何财务问题,他们不仅会挣扎着保持盈利,而且可能被迫停止每月支付,从而使以前的所有支付都变得多余。

从好的方面来说,第二个人寿保险通常比购买单独的人寿保险更便宜。由于保险公司为两个人而不是一个人提供保险,因此购买起来也容易得多,这大大降低了他们的风险,也就意味着他们不必担心健康问题和体检。

It can also improve the value of your estate, which is important if you’re giving this away to one or more heirs. Again, though, we have to stress that the benefits may not be enough for the average married couple and they should instead look into separate life insurance policies.

Which Policy is Right for You?

With all things considered, how do you know which policy is right for you?

有多种选择和要考虑的几个因素,但实际上非常简单。除非您拥有庞大的财产,否则您应该考虑为您和您的配偶获得单独的人寿保险。您可以彼此成为主要受益人,然后添加孩子的名字,以防万一双方都死了。

If you have a large estate and your spouse will not be left financially destitute in the event of your demise, second-to-die life insurance should be considered. 

With all options, however, you can get quotes, compare the premiums, payouts, and benefits, and then see which one stands out the most. 

Look into term-life insurance, whole-life insurance, and accidental death insurance when considering an individual policy, as they all provide something a little different and both the costs and cover varies greatly.