购买人寿pp王者电子官网的理由

很多人不考虑买 人寿pp王者电子官网 直到他们 有孩子. 但是有太多的人——不管有没有孩子——完全推迟了购买. 许多消费者高估了价格 购买和支付人寿pp王者电子官网的费用.

我为什么需要人寿pp王者电子官网?

生活事件和里程碑有时会影响你的决定 考虑人寿pp王者电子官网. 当这些情况发生时，一致地检查覆盖率是一个很好的实践. 这确保了覆盖是当前的，并且有机会进行验证或更新 受益人. 人们通常会在之后对人寿pp王者电子官网做出决定和改变 生活事件 比如结婚、生孩子、收养、离婚、再婚或死亡. 下面描述了其他一些情况.

• 你的孩子在上小学. A good time to consider 人寿pp王者电子官网 is when children are brought into your family. Another good time to evaluate 人寿pp王者电子官网 is when children enter elementary school. 大学学费和其他重要因素也应该考虑在内.
• 你们结婚了，有共同债务. 许多人把结婚作为获得人寿pp王者电子官网的契机. 他们还受益于年轻人普遍较低的保费. 然而, it may be critical to either add or increase 人寿pp王者电子官网 based on how much joint credit debt, 包括抵押贷款和信用卡, 你有. 据益百利称，到2022年 平均按揭余额 在美国是236443美元.S. 对于刚丧偶的配偶来说，这当然是一个很大的责任, 所以有人寿pp王者电子官网帮助很大.
• 有人为你联署贷款或者你为别人联署贷款. If your death would cause financial consequences for anyone, you should consider covering yourself. 例如, 如果你的父母与你共同签署了汽车贷款，而你没有人寿pp王者电子官网就去世了, 他们可能有责任偿还你的债务. 如果你与别人共同签署了一笔贷款，并正在帮助他们偿还, 他们可能没有足够的资源来支付这笔费用.
• 换工作. Some people think they don't need to buy 人寿pp王者电子官网 because they already have coverage through their employer. 根据Investopedia，典型的数量 只有2万美元还是5万美元 或者员工年薪的一到两倍. Coverage usually stops if an organization opts to terminate group 人寿pp王者电子官网 or a person decides to switch jobs. 话虽如此, it is recommended supplementing coverage with a separate individual policy to ensure sufficient, 覆盖范围大、稳定. 有些人的目标是 人寿pp王者电子官网 相当于他们年收入的十倍. Others tabulate their total financial obligations from now until their children reach adulthood (including 抵押贷款 payments and college tuitions) and aim to cover that full amount. If your current policies do not meet these amounts, adding or increasing coverage may be best.
• 你正在完成一个 遗产规划. Many adults with older children consider letting their 人寿pp王者电子官网 policies lapse since they don't need to provide day-to-day 收入 coverage anymore. 人寿pp王者电子官网, 如果使用得当, can be a great way to leave a legacy for 受益人 while avoiding probate and retaining privacy.
• 你正在经历离婚. 如果你正在经历离婚 还有一些pp王者电子官网因素需要考虑尤其是如果你有孩子的话. When a marriage ends, the topic of 人寿pp王者电子官网 after divorce is too often overlooked.

你的财务计划是什么?

Because 人寿pp王者电子官网 can have a big impact on both your loved ones and your finances, 这个话题可能很吓人. 一种方式并不适合所有人，但这里有一些常见的事情，许多人考虑.

你想保护谁?

人寿pp王者电子官网 通常被认为是保护所爱之人的一种方式 最终的费用遗产税等. 但让我们想得更远. 还有谁依赖你和你的收入?

• 你家里有小孩吗? 人寿pp王者电子官网 can help provide the money for day care now and an education for the future. 如果你的孩子大一点，你的pp王者电子官网可以帮助支付学费.
• 你对父母负责吗? 如果你在照顾一位年长的亲戚, you should consider how those healthcare bills will be paid if you or your partner passes away suddenly. 一定要讨论你的 父母的经济状况 与他们.
• 你的孩子在上大学吗? 当你的孩子被大学录取时，你的金融资产就会短缺? 你可以用你的终身寿险贷款. 祖父母也可以指定孙辈作为人寿pp王者电子官网产品的受益人. 除了在他们活着的时候给他们现金作为大学学费的礼物, grandparents’ insurance proceeds may help fulfill their dreams of sending the next generation to college. 
• 你有自己的长期护理计划吗? 你可以添加一个 选择你的人寿pp王者电子官网 这样你就可以提前动用pp王者电子官网公司的死亡抚恤金. 你可以用这笔钱来支付你自己的养老院, 家庭或其他类型的长期护理费用.

你想保护什么?

• 你有抵押贷款吗? 如果你有 抵押贷款, adequate 人寿pp王者电子官网 can help your family stay in the home and maintain their standard of living.

Even if you don't have a 抵押贷款, t在这里 are probably other assets that you want to protect. 人寿pp王者电子官网 can help your family keep up with car payments or protect your spouse from having to dip into 退休基金 比预期早.

• 你是企业主吗? 人寿pp王者电子官网可以帮助你创建的公司在你去世后继续经营下去. 你可能想要加强对你的业务的保护. Business owners can name their business partners — or the company itself — as their 人寿pp王者电子官网 受益人. The policy’s cash death benefit could help your business partner buy your share of the company or help keep your business going strong while your heirs decide next steps.

你想留下什么东西吗?

Perhaps you would like your legacy to help the next generation live more comfortably. 人寿pp王者电子官网可以通过多种方式帮助你做到这一点. 人寿pp王者电子官网可以让你继续为你最喜欢的慈善机构捐款, 因为有些策略允许您将组织命名为您的 受益人. You can also use 人寿pp王者电子官网 to help protect relatives who depend on you or those with special needs by naming them a 受益人. You can determine how to divide your assets by specifically designating them to your heirs.

人寿pp王者电子官网的种类

知道 人寿pp王者电子官网种类 is 适合你 是关键. 这些是人寿pp王者电子官网单的主要类型.

• 定期人寿pp王者电子官网 是最简单的pp王者电子官网吗. You pay your premiums as scheduled and in return your insurer agrees to pay a death benefit should you die within that term. The policy is temporary and is designed to last for a specific amount of time (term). 在学期结束后, 许多保单保证每年以较高的保费续保.
• 终身pp王者电子官网 提供水平保费及终身人寿pp王者电子官网保障, 但须按规定支付保费以维持保单有效. 终身寿险 随着时间的推移创造价值，并提供保证现金价值的积累, 在递延税的基础上增长. 这在应付意外开支时可能会派上用场， 大学费用 或者帮助补充 退休 收入. Keep in mind that any unpaid policy loans and withdrawals will reduce the death benefit and policy cash value. 政策性贷款也会产生利息.
• 万能人寿pp王者电子官网 is a permanent policy with flexible premium payments and death benefits that can help protect your loved ones while building tax-deferred cash value. 比如终身pp王者电子官网, 这种人寿pp王者电子官网可以弥补收入损失, 抵押贷款成本, 教育费用或意外支出允许获得现金价值.

你可以得到一个 人寿pp王者电子官网报价 现在,或 给我们一些细节 状态 Farm®的代理人会联系你. 你可能还想看看 生活增强® mobile app for guidance and motivation to help strengthen key areas of your overall wellness.