你是否应该购买一份以上的人寿大发888dafa?
Did you know that September is 人寿大发888dafa Awareness Month? And though life insurance is important to discuss at any time of the year, some features of life insurance go beyond standard conversations.
For example, did you know that you can have multiple life insurance policies at once? One policy is often considered enough, but that may not always be the case. Below, we outline situations that may call for multiple life insurance policies.
Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, and the type and amount of insurance purchased. 生活 insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder also may pay surrender charges, 此外，还可能涉及所得税问题. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
When Would You Purchase Multiple 人寿大发888dafa Policies?
生活 insurance is designed to provide supplemental income to beneficiaries in the unfortunate event of a plan holder’s passing. 然而, a single policy may not be enough to cover all of the expenses of a family.
Purchasing a second life insurance policy is an option for those who would like additional coverage. Greater protection for loved ones is the largest benefit of this approach, although paying for multiple policies can be expensive. Here are some situations that may call for the purchase of a second life insurance policy.
生活方式的改变
孩子的出生, 就业变化, or a new relationship are all examples of life changes we may think of when considering greater coverage. But another factor to consider is personal lifestyle changes, 尤其是那些与你的健康有关的. If you’ve made 健康y changes, then a new policy may cost less than before. As situations change, so do the monetary needs of those around you. Consider this when examining your life insurance needs.1
年龄
根据美国.S. Federal Reserve, average family income decreases as the head of household reaches retirement age. 然而, the cost of life insurance tends to move in the opposite direction, 随着年龄的增长而增加.2,3
For this reason, it may be best to establish a plan at a younger age. Consider your current expenses to determine whether this will be necessary.
资产收益
Some financial goals will require long-term payment plans. Assets like cars and homes can take a while to pay off, increasing your monthly expenses by a specific amount for a given period.
取决于你的情况, a second life insurance policy can help account for these added expenses, providing additional income for a period to help offset the added cost until assets are paid off.
经常, 这些政策设定了不同的条款, and this strategy is typically referred to as laddering term life insurance.2
跟踪策略
Multiple plans may provide more coverage, but be sure to keep track of each policy and its costs. 单是保费就很昂贵, yet tens of millions of dollars in life insurance payouts go unclaimed every year. Be sure you have the right information to track any new and existing policies.4
Whether you need more than one insurance policy will depend on your unique financial and personal situation. Be sure to reach out to an insurance professional to determine what coverage is right for you.
1. LegalandGenera.com, 2022
2. TheBalance.2021年9月29日
3. Statista.com, 2022
4. PolicyGenius.2021年12月1日
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, 在州或证券交易委员会注册 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.
