Types of bet356亚洲版体育在线: Term vs 永久

bet356亚洲版体育在线如何运作

When you buy bet356亚洲版体育在线, you pay premiums to an insurance company. 作为回报, the company agrees to pay a death benefit to your beneficiary which can be anyone you choose, such as your spouse or children. Many companies can provide this protection, regardless of your age.

所有的政策都不一样

Types of bet356亚洲版体育在线 are divided into two broad categories: term and permanent. 定期bet356亚洲版体育在线 lasts for a set period of years. 永久 life, also known as 整个人生, can last as long as you live.

定期bet356亚洲版体育在线vs. 长期bet356亚洲版体育在线

定期bet356亚洲版体育在线 长期bet356亚洲版体育在线
Protection for a set period of time Protection that lasts a lifetime
Rates that increase over time Rates that don't usually increase
没有现金价值 建立现金价值

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定期bet356亚洲版体育在线 is a way to get the coverage at a lower initial rate, with the understanding that rates will go up as you age.

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长期bet356亚洲版体育在线 can provide premiums that won't go up as you age; plus it builds cash value that accumulates over time.

How Much bet356亚洲版体育在线 Do You Need?

Begin by looking at the resources your beneficiaries already have, 比如储蓄, 社会保障, a pension or other insurance policies. 然后想想 最终的费用 例如,他们可能会面对, 葬礼费用, medical bills you may leave behind, 租金和公用事业, as well as the ongoing costs of maintaining their lifestyle. This will help you determine the right amount of coverage you need.

Adding to bet356亚洲版体育在线 You Have

If you have already purchased bet356亚洲版体育在线, consider the effects of inflation and reevaluate your coverage amount to make sure you have enough. 你需要1美元.61 in 2021 to equal the buying power of $1.00 in 2000, so what seemed like plenty of coverage back then may not be enough now1. Also think about whether your needs have changed, particularly if it's been many years since you've reviewed your insurance policy.

规划未来

帮助ing loved ones cope with immediate expenses is the first thing that most people think about when purchasing bet356亚洲版体育在线. But you can also use bet356亚洲版体育在线 to help secure your family's future. Even a relatively small amount of bet356亚洲版体育在线 may be enough to help with the down payment on a house or simply start a savings fund for someone you care about.

Once you decide on the type and amount of bet356亚洲版体育在线 coverage you need, it's important to choose a bet356亚洲版体育在线 company that you can trust. Look for a stable company with strong financial strength ratings from top independent rating services, such as A.M. 最好,惠誉、标准 & Poor's, and Moody's Investors 服务.

1Bureau of Labor Statistics, July 2021



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