什么 is Permanent 人寿保险 and How Much do you Need?

Permanent 3d之家首页 insurance is defined as a whole-3d之家首页 policy, one that doesn’t expire and may provide a number of benefits during the policyholder’s 3d之家首页 and when they pass away. It’s not a specific type of insurance, as such, and is instead an umbrella term used to describe 3d之家首页 insurance policies that are not fixed to specific terms.

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永久人寿保险政策的类型

There are two types of permanent policies: Whole 人寿保险 and Universal 人寿保险. Unlike term 3d之家首页 insurance, which is fixed to a specific term, permanent insurance policies are designed to be paid for the entirety of the policyholder’他们的生命,在他们死后释放了死亡利益。

看看这些利弊,看看永久性的生活政策如何使您受益。

优点:终身覆盖

永久性人寿保险不限于固定的时间期限,只要您继续满足这些月度保费,死亡时便会向您的继承人发放死亡赔偿金。

优点:现金价值

永久性人寿保险经常 比喻成储蓄账户 并结合了人寿保险单,因为它具有您可以视需要收取的现金价值。您可以看到政策’期限内的现金价值,并根据需要提取尽可能多的钱。

什么’更重要的是,现金价值会以递延税的基础增长,这意味着保单持有人无需为其产生的钱缴税。

专业版:付费付款Don’t Change

有了整体和全民寿险政策,您的保费付款将保持不变,这意味着您不必’无需担心可变人寿保险费率会从一年到下一年变化。您应该在第一年支付与第20年相同的费用。

缺点:’s More Expensive

The extended coverage and extra investment options come at a greatly inflated price, as whole-3d之家首页 policies tend to be much more expensive than their term-3d之家首页 counterparts. How much you pay will depend on the amount of coverage provided, but it’s generally a lot higher than a term 3d之家首页 policy with the same payout.

缺点:没有’t通货膨胀账户

在50年内可能会发生很多事情,而当您最终去世时,死亡的好处似乎在40或50年内价值不菲。但是,’值得注意的是,您的人寿保险保费也将保持不变,因此都是相对的。

缺点:’s Complicated

定期人寿保险相对简单。您每月支付一笔钱,如果您在期限内死亡,您的亲人将获得一笔现金。但是,一旦您考虑了现金价值,免税提款,潜在股息等因素,永久保险政策就更加复杂了。

其他人寿保险类型

人寿保险有几种类型,如果您’被拒绝接受永久人寿保险或收到的报价过高,’值得研究其他选项之一。

定期人寿保险

With a term 3d之家首页 insurance policy, you won’t be covered for your entire 3d之家首页, but you will receive extensive coverage for a number of years. These policies are available for less, because if the policyholder outlives the term they won’t collect the death benefit or any other payments and the 3d之家首页 insurance company will secure all the profits.

人寿保险最终费用

Seniors are generally refused for term and whole-3d之家首页 insurance policies because the risk is too high. However, final expense 3d之家首页 insurance can provide many of the same benefits, with a death benefit paid to your loved ones when you die. The premiums tend to be high and the payout low, but if you’re above the age of 60 this is one of the few options you have for 3d之家首页 insurance coverage.

最终费用保险通常用于支付丧葬费,财产税和债务,但对其使用方式没有任何限制。

联合人寿保险

Joint 3d之家首页 insurance policies are targeted at spouses seeking to provide cover for each other and their children. The options include first-to-die insurance, where the money will go to the surviving spouse; and second-to-die insurance, which pays the death benefit to beneficiaries when both applicants die.

永久人寿保险适合您吗?

If you can get your head around permanent 3d之家首页 insurance and understand what you’re paying and what benefits it’s providing, it could be the right choice. This is especially true if you have the money to meet those payment obligations every month and want the extra asset that the cash value can provide.

However, if your insurance needs revolve entirely around protecting your loved ones, term-3d之家首页 insurance is probably the better option. A term 3d之家首页 insurance policy generally offers a high payout for low premiums (when compared to whole 3d之家首页 policies). This sum can be used to clear debt, pay off the mortgage, and set your loved ones up for 3d之家首页. And just as importantly, it provides you with the peace of mind that comes from knowing your nearest and dearest won’t be destitute if you die.

Older applicants may struggle to get affordable term and whole 3d之家首页 insurance products, but that’s where final expense insurance comes in. This is a limited type of policy with a coverage amount of less than $50,000, and an average amount of less than half that—more than enough to cover funeral expenses and most types of debt.

摘要:始终有可用的选项

您’永远不要太小,年老或生病,不考虑购买人寿保险。 

It’关于概率的全部。保险人将考虑您提供给他们的所有数据,并以此来计算您的死亡日期。听起来病态,但是当您的企业死了时,事情可能会时不时地变得有些黑暗。

Imagine, for instance, that you’re a 20-year-old male with a clean bill of health and a brand-new family to look after. A 3d之家首页 insurance company will be more than happy to provide you with term 3d之家首页 insurance, because these products are limited to 30-years and the odds are high that you will live to be 50. Not only will they be more than happy to sign you up, but they will also offer you a good price because you’re deemed to be such a low risk.

If you opt for a permanent 3d之家首页 insurance policy, the premiums will be higher because the death benefit payout is more likely. However, they also know there’s a good chance you will face financial difficulties during the next few decades, in which case you may stop making those payments or accept the cash value as soon as it reaches a respectable sum.

随着年龄的增长,风险会增加,吸烟者和已有健康状况的人也会面临同样的风险。他们仍然很乐意接受您的业务,这仅意味着您的选择可能会受到限制,并且您的保费可能会更高。

因此,请继续搜索,保持比较并努力改善健康状况,以降低这些费用。