购买人寿大发888dafa你需要知道的5件事

死亡总是一场悲剧. But if the person who passed away was earning a large percentage of the family's income, it can leave the grieving family members in a difficult financial situation. A life insurance policy can help to offset the loss of income and spare those who are left behind from being forced to deal with tough economic decisions. When shopping around for the right life insurance coverage for you and your family, 问自己正确的问题很重要.

1. 我需要多少人寿大发888dafa?

While you may be tempted to buy the most extensive policy that you can afford, the basic rule of thumb is to buy at least 10 times your annual salary. 这是一个很好的起点, 但是对于有年幼孩子的父母来说, it is essential to consider the costs associated with education. Some suggest an additional $100,000 of coverage for each child. Other factors, such as outstanding debts, also need to be considered.

2. What Are the Different Types of 大发888dafa Policies?

The most popular options for life insurance are term life, whole life, and universal life policies.

• Term life insurance coverage lasts for a certain number of years and then ends. These types of policies have the lowest premiums but offer limited protection and the fewest number of options. Many term life insurance policies let you renew the policies but at a higher premium.¹
  
  
• Whole life insurance requires you to pay the same amount in premiums for a certain number of years for a fixed amount of coverage. Once your policy is paid off, any death benefits are secured. This type of policy places part of your premiums in a tax-deferred saving plan that you can borrow against.
  
  
• Universal life insurance is the most flexible since it allows you to increase or decrease the amount of your coverage. Whole life policies usually offer the option of a fixed death benefit or an increasing benefit based on the value of the policy at the time of passing.

每家大发888dafa公司都有自己的规则, so make sure to speak with your insurance agent to fully understand the terms and options available in your policy.

3. 哪种人寿大发888dafa适合我?

The decision of which type of insurance policy you choose is entirely dependent on your personal financial and family situation. But it is important to note that most people will require more life insurance as their family grows and will need less life insurance as they age. It is best to speak with your financial professional to determine the best policy for you. Don't depend on the advice of an insurance agent who typically earns more money with whole life and universal life policies.

4. 我的受益人应该是谁?

Your choice of the primary beneficiary for your policy is a critical decision to make. 通常, 人们选择配偶或其他重要的人, but you may choose anyone to make your primary beneficiary. You can even assign a charity or a trust as the primary beneficiary. 除了主要受益人, make sure to designate a contingent beneficiary if your primary beneficiary passes first.

5. 还有哪些其他类型的人寿大发888dafa?

Guaranteed issue life insurance is an option for people who only wish to avoid having their loved ones pay for their funeral and minor outstanding debt. 这种大发888dafa只赔付一小笔钱, 通常低于30美元,000, 但不需要体检. Accidental death insurance is an option for those who want to ensure that in the event of an untimely death due to an accident, 他们所爱的人会得到他们需要的钱. This type of life insurance will not pay out if a person dies from natural causes.

Although it can be difficult to think about preparing for the end of life, it is a significant financial decision everyone needs to consider.

1. Investopedia.网站，2022年5月25日

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