Are there people in your life who count on you for financial support? If so, they could experience significant financial hardship if the unexpected happens. You have insurance for your home and car; protecting your wealth from catastrophe is just as important.
把人寿保险看作是“资产保护人寿保险”.“它应该是你生活的一部分 投资计划, shielding your family, business and wealth from unforeseen events. It is an essential part of a risk management strategy that also includes other types of insurance:
总括责任保单 业务的保护 长期护理 残障保险
有很多 人寿保险的变型 在你死后支付一笔赔偿金. The two main categories are term life and whole life; universal life is a subset of whole life insurance with different characteristics. 两者都是资产保护保险. Your Forest Hills Financial Group (12bet备用网址) financial advisor can discuss the various types and how they might fit into your risk management plan now and for your future.
定期人寿保险是最实惠的保险选择, 非常适合年轻人, growing families who want to ensure children are cared for if a parent dies. It provides high levels of protection at a rate most families can afford. Term life insurance provides coverage for a defined time – typically 10, 20 or 30 years.
终身保险, 也称为永久保险, has features beyond traditional death benefit protection because, 不像定期保险, 它有现金价值. A whole life insurance policy stays in effect as long as the payments are current; hence it is "permanent."
如果你是一个小企业主, you can use whole life insurance to manage risk in your business. 你拥有为自己工作的所有好处, but the downside is that there are no employer-sponsored benefits such as 退休 plans, 人寿保险和病假.
You can quickly tap into the guaranteed cash value component of whole life insurance if an unexpected circumstance arises, 而且这样做通常不会受到惩罚. This can help keep you out of financial straits and can be used for rent or other expenses when you can’t work or an unplanned event causes a need for greater cash flow. 你也可以用保险来保证你的 企业生存 在你离开之后.
When you've reached the end of your term life insurance contract, your coverage ends unless you renew or convert to permanent insurance. 随着年龄的增长，续签定期保险单的费用会越来越高.
Most term life policies offer the option to convert to whole life for a number of years, 有时在整个合同期限内, or you may be able to add that option as a rider to your policy. You can plan from the beginning for the conversion from term life insurance to whole or universal life. Your 12bet备用网址 financial advisor can help you choose the best option for you now and in the future.
12bet备用网址 advisors provide risk management strategies for clients of all ages and life situations. The right strategy can help ensure your family will have enough money to pay for college, 留在一个珍贵的家庭家中, 舒适地生活在 退休不管未来会带来什么. Our skilled financial advisors will guide you through personal insurance planning to protect what's most important to you now and for many years to come.
When it comes to choosing a financial advisor, people have preferences. At 12bet备用网址, we believe the right client-advisor relationship is essential. Whether you need an advisor that speaks Cantonese or you want to work with someone who has experience with unique risk-management scenarios, 12bet官方有财务顾问来满足您的需求. The diversity of 12bet备用网址’s team of risk and wealth management advisors is unmatched. Let us find the perfect independent financial advisor for you! 你不会失望的!
12bet官方已经经营了41年, 为12bet官方的客户提供咨询，保护他们的亲人, 商业与财富, 12bet官方想帮助你, 太. Talk to us about working with the Forest Hills Financial Group family. 立即12bet官方 或打电话 212-687-8901.
The primary feature of whole life insurance is the death benefit. All whole life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.
Neither Guardian nor its subsidiaries issue umbrella policies.