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Your most valuable asset may be your ability to earn an income. 在你的一生中, you could earn several million dollars — money that helps support you and your family. If something happened to you, how would your family replace your lost income? Life insurance can help replace your income when needed at your death. 然而, with the wide variety of policies available, it’s important that you understand some of the basic types of life insurance coverage.



定期人寿保险

With a term policy, you get “pure” life insurance coverage. Term insurance provides a death benefit for a specific period of time. 如果你在保险期内死亡, your beneficiary (the person you named to collect the insurance proceeds) receives the death benefit (the face amount of the policy). If you live past the term period, your coverage ends, and you may get nothing back. Term insurance is available for periods ranging from one year to 30 years or more. You may be able to renew the policy for a new term without regard to your 健康, 但溢价更高. As you get older, the chance that you will die increases. For this reason, premiums generally increase as you get older. 然而, some term life insurance can be purchased for a fixed amount of death benefit, 以一定的溢价, 在指定的年限内. Most term insurance also has a conversion feature that allows you to switch your coverage to some type of permanent insurance without answering 健康 questions.

终身保险

终身保险 is a type of permanent insurance or cash value insurance. 不像定期保险, which provides coverage for a particular period of time, permanent insurance provides coverage for your entire life, 只要你付保险费. 当你支付保费时, you pay more than is needed to pay for the current costs of insurance coverage and expenses. The excess payment is credited to a cash value account. This cash value account allows the insurance company to charge a level premium and to provide a death benefit and cash value throughout the life of the policy. The cash value grows tax deferred and can be directly accessed through a partial or complete surrender of the policy, 或者通过政策贷款. 值得注意的是, 然而, that a policy loan or partial surrender will reduce the policy’s death benefit, and a complete surrender will terminate coverage altogether.


对人寿保险有浓厚兴趣

71% of insured parents would feel financially secure if a primary wage earner were to pass away vs. 48%没有保险的父母. 50% of millennials intend to buy life insurance within the next year. 41% of adults (both insured and uninsured) say they don’t have enough coverage. 40% of Gen Z parents haven’t purchased life insurance because they don’t know how much they need or what type to buy.

Source: 2023 Insurance Barometer Study, Life Happens and LIMRA


万能人寿保险

Universal life is another type of permanent life insurance with a death benefit and a cash value account. 不像传统的终身, universal life insurance allows you flexibility in making premium payments. 万能人寿保险 policy premiums may be adjusted upward or downward within policy guidelines. Reducing or increasing premiums will impact the growth of the cash value component and possibly the death benefit. Some universal life policies also allow you to choose a level or increasing death benefit. 请注意, 虽然, that if you want to raise the amount of coverage, you’ll need to go through the insurability process again, 可能包括一次新的体检, 你的保费也会增加.

The cost and availability of life insurance depend on factors such as age, 健康, and the type and amount of insurance purchased. There are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. Any guarantees are subject to the financial strength and claims-paying ability of the insurance issuer. Loans and withdrawals will reduce the policy’s cash value and death benefit, could increase the chance that the policy will lapse, and might result in a tax liability if the policy terminates before the death of the insured. Additional out-of-pocket payments may be needed if actual dividends or 投资 returns decrease, 如果您提取保单现金值, 如果你贷款, 或者电流增加.