你应该卖掉你的人寿大发888dafa吗?

生活 insurance is designed to provide your estate with the funds necessary to pay debts and to leave your loved ones with some financial security. 然而, 有些情况下你可能需要钱, 或者你的环境改变了, 也不再需要人寿大发888dafa了. 出售你的人寿大发888dafa是一个可行的选择, but it is critical to understand the process before making this financial decision.

It is essential to keep in mind that several factors will affect the cost and availability of life insurance, 包括年龄, 健康, 以及所购买大发888dafa的种类和金额. 生活 insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder may also have to pay surrender charges and could have income tax obligations. You should also consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

生活与定居

Selling your insurance policy to a third party for a specified amount of money is known as a life settlement. You receive cash, and the buyer now owns your policy and continues to pay the premiums. 你死后，新主人会得到所有的抚恤金.

If the policyholder has been diagnosed with a terminal illness and is not expected to survive for more than two years, 人寿大发888dafa的出售被称为死亡和解. 这些结算可以支付医疗费用和其他债务, 因此，家庭财务状况不会不堪重负.

人寿结算资格

Not everyone can sell their life insurance policies, as certain conditions must apply. Generally, only those aged 65 and over qualify for a life settlement. 此类保单通常必须提供至少100美元的死亡抚恤金,000, and there may be a minimum period for which the policy must have been active.¹

离婚协议没有最低年龄要求, but the policyholder must generally have two years or less in life expectancy.

为什么你想卖掉你的人寿大发888dafa

Every policyholder has their own reasons for selling life insurance, but common motivations include:

• 不再有任何人依赖保单持有人的支持
• 没有继承人
• 资助退休需要
• 无法继续支付保费
• 需要支付养老院或其他长期护理费用
• 发现自己投保过多
• 不需要政策提供的安全网

For many older adults, paying monthly premiums becomes increasingly burdensome. 在支付了多年保费之后, they may be at risk of losing their insurance due to an increasing lack of affordability. 对于一些老年人来说, receiving a lump sum payment is a wiser option than simply losing insurance coverage due to premium costs.

寻找买家

生活 insurance sales usually involve working with a settlement broker, 谁会找到愿意购买你的保单的投资者. 有机会买到最划算的东西. You can also work with a provider who will buy the policy from you directly.

Age is typically an important factor when selling a life insurance policy. 潜在投资者倾向于青睐老年人持有的保单. 为什么? Because they're looking to pay as little as possible in future premiums before receiving the death benefit.

If you're looking to sell your policy, you should expect to provide all medical records. 使用数学公式, medical underwriting by the providers gives an estimate of how long the policyholder is expected to live.

一份人寿大发888dafa价值多少?

你可能不会收到保单的面值. 平均, recipients of a life settlement get approximately four times the policy's cash surrender value. The death benefit value typically varies between 10 and 25 percent. 这意味着100,000美元的保单将为您提供高达25,000美元的赔偿.¹

Factors affecting how much you will get for selling your life insurance policy include life expectancy, 现金价值, 大发888dafa金额是多少. Individuals with shorter life expectancy will likely receive a larger settlement amount.

当投保人出售他们的保单时, the cash payment is almost always greater than the policy's surrender value, 但比死亡抚恤金少.

If you have a large policy, it is possible to sell only the amount you need. 例如, 如果你有一份200万美元的保单, 你可以卖一半, 剩下的留给受益人.

Finally, not everyone selling their life insurance policy receives a lump sum. Some people may prefer a settlement in which income is paid over a predetermined amount of time.

终身安置考虑

在出售你的人寿大发888dafa单之前, 考虑所有的财务和实际方面是至关重要的. Prior to making your decision, you should consult a financial professional or your accountant. You'll want to be sure that the sale of the policy does not trigger detrimental tax obligations or result in losing access to public benefits, 比如医疗补助.

生活赔偿包括各种各样的费用, 了解所有涉及的成本是至关重要的. There are alternatives to selling your life insurance policy that may prove just as beneficial, 比如向它借债. Your financial professional or insurance agent can help you review these options and decide what may be best for your financial picture.

1. 年金.2022年4月25日

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.