千禧一代应该购买人寿大发888dafa的6个理由
Millennials live in an innovation-driven economy that is moving faster than in any other generation. We can't predict the future, but we can prepare for and manage it with life insurance. 人寿大发888dafa有几个用途, 都是为了建造, 提供, 并在财务上保护未来.
Buying life insurance during the early adult years offers several advantages. 然而, it's likely that many haven't a clue how life insurance works, and even fewer realize that life insurance is an investment for themselves to be used against whatever life throws in their path, making the age of the 20s and 30s ideal for purchasing a life insurance policy.
原因1:生命分期政策
Even as millennials focus on seizing new opportunities for education and careers, there seems to be little interest in life insurance. Most see life insurance as a method of paying debt in the event of a life tragedy or family misfortune. But it's really about managing change accompanied by financial responsibilities.
原因二:雇主的大发888dafa
Millennial or not, it's important to take the time to read your employee benefits. Take a close look at the features offered in the life insurance policy, 如果有不确定的地方就问问题. Most employers will not offer a standard plan with an option for additional coverage, but the majority of companies have limited coverage.
万一你受伤不能工作, an employer's policy may not cover your financial needs. In this case, you may need to secure independent coverage. 除了, having independent coverage will provide you with uninterrupted protection should the employer go out of business, 你换了工作, 或者你会被解雇.
原因3:成本和收益
保费按投保人的年龄计算. A good health status translates into less risk, which typically reduces the premium.
如果你患有健康障碍, it's a good idea to talk with an agent and get specific information on the features you need or should consider in the future. If you are diagnosed down the road with a serious health condition, the policy remains active.
理由4:了解自己的需求
确定你需要多少大发888dafa. Do research on the types of policies available along with an insurer. 一定要查看大发888dafa公司的评级, which is an industry rating that measures the insurer's financial strength and ability to pay the policy claims.
生活 is full of surprises for young adults, some of which can cause serious injuries. So it's also important to ask about riders for long-term healthcare or disabilities. 这些政策可以帮助支付财务费用.
理由5:照顾好自己的生意
As you accumulate assets and begin to raise your family, it's essential to secure a backup plan using the life insurance features for paying day-to-day bills for childcare and family expenses. It's an affordable method of providing for your family when you can't.
- Choose between the two major types of life insurance: term or whole life.
- Term insurance pays a death benefit (sole provision) as long as the policy is in force whereas term policies can range up to 30 years.
- Whole life pays a death benefit and offers three plans: traditional whole life, 普遍的生活, 多变的宇宙生命.
原因6:计划，计划，再计划
Most of us know about life insurance payouts for injuries, death, and beneficiaries. Whole life policies also have a savings program—earning interest and building equity. 各公司的规定各不相同. 值得花时间了解这个组件. Portions of the policy earnings are tax-free, accumulating a cash value over time.
有足够的现金价值, you can borrow against it or use it to pay the insurance premium during early retirement, 保持政策完整. This is a valuable financial resource for young adults.
生活中有太多没有答案的问题. Talk with an experienced agent or financial professional to get the answers to your questions. 生活 insurance provides peace of mind and comfort by taking care of your family.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
