2019年11月8日 • 5分钟
如果你正在评估你的保险需求并考虑 人寿保险，了解基本知识很重要. Life insurance can be a reliable (and flexible) way to help your family and others who are left behind after you’re gone.
This is 人寿保险 a nutshell: when you purchase a 人寿保险 policy, 你支付保费(通常是按月或按年支付). 这些付款使您的保单保持有效, 如果你在保单有效期内去世, the 人寿保险 provider will pay out death benefits to your beneficiaries according to your wishes. There are several types of 人寿保险 and some considerations you need to keep in mind.
Life insurance is a flexible product that can be used in a number of ways – including helping your family cover their living costs or pay your outstanding debts.”
虽然这个概念可能令人不愉快, 人寿保险的核心是帮助弥补收入损失, 丧葬费, and other financial needs that will be faced by those you care about in the event you die. Many people who purchase 人寿保险 policies designate that the benefits from that policy cover end-of-life costs like a funeral and related logistical expenses. Life insurance is a flexible product that can be used in a number of ways – including helping your family cover their living costs or pay your outstanding debts. Some people even use these policies to provide for charitable gifts to organizations they care about.
什么是定期人寿保险?
A term policy is purchased for a certain period of time frame (known as a term), and then it ends. 典型的期限可能是1年、5年、10年、20年或30年. 这些保单承保的金额较大(例如.g. $1,000,000) available at a lower cost than whole life/permanent 人寿保险. Term 人寿保险 policies are usually easier on your budget and are designed to be in effect when needed most – for example, to provide for your surviving spouse in the event you die while your children are young. 大多数时候, 购买定期保险的人永远不会得到赔付, either because they let the policy lapse or because they live longer than the term set. Another reason to get term 人寿保险 is because you might have other income available at a later time – for example, 退休福利.
什么是永久保险或终身保险?
A whole life (permanent) policy is different in that it will pay your beneficiaries whenever you die. Whole life costs more because you are purchasing a policy designed to provide a death benefit whenever you die – the policy is in effect until your death instead of for a set number of years. These insurance policies are more expensive because you are paying the average premium required to cover the cost of insurance over much longer periods of time. 在逻辑上, a policy that covers you for up to 120 years will cost more than a term policy designed to cover only 10 years.
在决定获得何种政策的基本问题上, 你需要平衡你的成本和需求. You may not be able to afford higher premiums of whole life (permanent) 人寿保险, so you may choose a term policy to provide coverage when the need is greatest.
Every person's life circumstances are different, and it may be beneficial for you to get advice from 金融专家 在你购买保险之前. Although financial bloggers or commentators you see in the media may have strong opinions about certain financial products like 人寿保险, 记住，金融产品是工具. The tool that works in one situation for one person will be different from the tool that works in a different situation for a different person.
一旦你决定买哪种保险, 你需要决定买多少保险.e. 如果你死了，赔偿金是多少. 大多数人寿保险公司起价为100美元,000 minimum death benefits but some companies offer coverage as low as $50,000. In the other direction, the sky is the limit, with multi-million dollar policies available. Deciding how comes down to one basic question: 什么 would life be like financially for those you care about if you were no longer here?
再一次。, 这是一个令人不快的问题, 但如果你想保护你在乎的人, 你今天需要评估一下你的需求. 如果你买的保险太少, your family might not receive all the financial protection you would like them to have if you pass. 如果你买了太多保险, you’ll be paying a higher premium now – meaning that money cannot benefit your family right now.
如果你年轻，单身, your 人寿保险 policy can help you plan for the future while you're healthy, 这反过来又能压低溢价. You may want to 获得保险 to help you cover debts that you don’t want to pass on to your family members. You may also want to provide financial support for aging parents or siblings.
如果你刚结婚, you may want to use your policy to help cover your household's daily living expenses (such as your mortgage or utility bills) if you pass. Your benefits will also help ensure that your spouse is able to pay off any outstanding debts and your burial expenses. If you have children, you probably want to provide for your kids, too.
If you are nearing retirement and had coverage that was previously paid for by an employer, you may want to buy your own coverage if your employer-paid coverage ends when you retire. 如果你已经退休了, you may want to buy 人寿保险 to allocate as an inheritance or make a charitable donation, 来支付遗产税的费用, or to replace income for a loved one that you previously received from a pension.
无论你是什么年龄，看看我们的文章 评估你的保险范围 更多有用的建议.
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