人寿保险
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.
什么是定期人寿保险?
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.
什么是终身保险?
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."
小企业主终身保险
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.
什么是Term到烫发的转换?
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.