人寿保险
A solid financial plan helps you grow the assets that will allow you to enjoy the retirement you dream about. A component of a financial plan that sometimes gets overlooked is life insurance. Life insurance serves the crucial purpose of covering your dependents in the event you pass away while they still rely on your income. A life insurance policy may exist for several years or the remainder of your life.
在佛罗里达金融策略, our independent agents will evaluate your situation to help you select the right life insurance policy. 然后, we’ll connect you with a life insurance provider to get you a comprehensive plan at a great rate. 准备好开始了? Call (800) 374-4858 to connect with an agent 和 learn more about how we can help you choose the right life insurance policy.
谁需要人寿保险?
通常, those who benefit from life insurance include relatively young working people with families or other dependents. A dependent is someone who relies on another as a primary source of income, 比如孩子, 配偶, 年迈的父母. Even siblings may be dependents if you are supporting them financially. A life insurance policy replaces your salary after you pass away so that your loved ones can maintain their quality of life.
Those who opt for life insurance are usually the primary breadwinner in their households 和 have young children or 配偶 who rely on them. They may have children in college who have yet to graduate who still need their financial support or aging parents who need assistance with the cost of care. They may also have a mortgage 和 other bills to pay that could not be paid without their salary. A life insurance policy would pay your dependents a lump sum after your death so they may continue to pay the bills. 在理想的情况下, you would want your policy to provide for your family for at least 5-7 years after your death.
Who Might Not Need 人寿保险?
Although our agents can certainly help you select the best life insurance policy for your needs, not everyone needs life insurance. Those who might not need life insurance include adults whose children have moved out of the house 和 are self-sustaining, people who have paid off their homes, 和 retirees or adults who are about to retire from the workforce. Single individuals may also not need life insurance if they have no dependents.
What Kinds of 人寿保险 Can I Choose From?
There are two primary types of life insurance that our agents can connect you to: 定期寿险 和 终身保险.
定期人寿保险 provides coverage for a specified period. These policies cover dependents if you die prematurely. If you die while the policy is in effect, your policy pays a lump sum to your dependents. You may select how long of a term you would like when you sign up for the policy. Usually, insurers offer 定期寿险 policies that last 10, 20, or 30 years.
In an ideal world, your need for 定期寿险 insurance would end when the term ends. The term would end at a point in your life when you have fewer dependents, such as when your children move out 和 begin their own lives. Term life is an excellent choice when you need life insurance to replace your income over a certain portion of your life, 和 for those who want the most affordable life insurance coverage.
终身保险 provides coverage for your entire life. A whole life policy can provide funds for your heirs to pay estate taxes upon your death. That way, the taxes won’t come out of the inheritance. 如果你有一个终生的家属, such as a child with special needs, your life insurance policy could fund a trust for their ongoing care. If you want to leave heirs a sum of money when you die, but you also want to spend your retirement savings, your life insurance policy could help you make it happen. Discuss your goals with an agent today.
Trust Us to Connect You With Just the Right 人寿保险 Policy
Learn how an effective life insurance policy can be a key component of a healthy financial plan. ku娱乐真人体育平台下载 佛罗里达金融策略 to connect with a life insurance agent. Working as a team, your agent will advise you on the best plan to reach your financial goals.