六七十岁的人寿大发888dafa需求
The older we get, the more acutely aware we become of our mortality. Part of this realization is thinking more often about how we can help protect our family members in the case of an untimely death. 因为死亡是生命不可避免的一部分, chances are a life insurance policy will not be purchased in vain.
根据Atidot发布的一份报告, an insurance technology company providing artificial intelligence, 大数据, and predictive analytics tools for the life insurance industry, many people with life insurance policies are actually under-insured, with only about 28 percent of total coverage needs being met, leaving approximately 72 percent of needs unmet by coverage. 另外, LIMRA's 2018 大发888dafa Barometer Study found that about one in five people who had life insurance said that they did not have enough. 如果你已经六七十岁了, there are a variety of factors to consider when you are evaluating your life insurance needs.1,2
我太老了，不需要人寿大发888dafa吗?
从抵押贷款到房屋维修, there are many expenses your spouse could incur in the event of your passing. 通过购买人寿大发888dafa, you're providing both you and your family with peace of mind; you will know that these types of expenses will not lead to the loss of a house or more. A common belief about life insurance is that it's expensive, especially when purchased later in life. 然而, a couple in their sixties or seventies may not need as substantial a policy as a younger couple given that the policy would need to financially cover fewer years of life for the remaining spouse.
When considering whether you should purchase life insurance, it's important to evaluate how many people rely on you for financial support, 以及支持的程度. If your spouse doesn't work or only works part-time, then they will most likely require additional income in the event of your passing. 在这种情况下, purchasing a life insurance policy is highly recommended if you want to make sure your partner is protected from excessive financial stress after you're gone.
对于拥有大地产的人来说, it's often recommended to take out whole life insurance to minimize estate taxes. Other people choose to fund their retirement with the cash value of their whole life insurance. If this is your plan, then you will want to purchase a policy.
人寿大发888dafa和你的健康状况
Typically, the older you are, the more expensive your life insurance quote will be. This is in part due to the fact that the older you are, the more health problems you could have. In some cases, you may be better off investing your money instead. If you're in good health, it may make more sense for you to purchase a shorter term policy. 对于那些有健康问题的人, you may want to consider purchasing guaranteed issue life insurance, which anyone can obtain regardless of their health issues.
更新和延长您的人寿大发888dafa
If you have a term policy—even one purchased many years ago—you may want to consider extending your coverage if you aren't able to cover your retirement costs with your pension and savings. You can do this by either renewing your current policy or converting it to a whole life insurance policy. 如果您选择续借, it's important to note that your premium could increase, 有些公司甚至不允许你续签, 取决于你的年龄.
下一步该怎么做
不管你的年龄, it's always recommended to consult with a financial professional who can evaluate your individual situation and needs to determine whether life insurance makes sense for you. 如果是推荐策略, they can help you choose the type of life insurance that offers the most benefits for you and your family.
1. Atidot.com, 2022
2. Limra的.com, 2022
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.
