什么时候是购买人寿大发888dafa的最佳时机?
Buying life insurance is something that many people tend to push off, unnecessarily increasing its cost or even waiting until it is too late. People are afraid to talk about mortality and often feel that they are just wasting their money on life insurance. 不幸的是, the truth is many people leave their families with a significant amount of expenses that they cannot cover, 人寿大发888dafa就是为了保护他们. 那么什么时候买人寿大发888dafa是合适的呢?
年龄
When asked about the perfect time to buy life insurance, the first thing most people think of is age. The truth with life insurance is simple: The older you get, the more likely you are to become ill and the higher your risk of mortality. As you age, your rates for life insurance will go up. The ideal time to buy life insurance is actually right after birth.
Policies can be locked in for significantly low rates for many years when your children are insured from a young age. 但如果你在这里读这篇文章, 试着为自己找到答案, 那么这艘船很可能已经起航了. So that brings us to the next best answer: right now. While the ultimate time to buy life insurance in your adult life is your 20s, it is never too late. Secure a policy as soon as possible before you age into the next age category.
债务水平
Debt is an important consideration when assessing the need for a life insurance policy as well as the value you will need to take out. 因为你一生都在积累债务, that debt becomes part of what is referred to as your estate in the event of your death. When most people hear the term estate, they think of assets and property, but it also includes debt.
当所爱的人去世, their assets will be used to pay off the debt they have accumulated before any of their assets are disbursed to surviving members. 如果是你的配偶通过了考试, this could mean assets such as your cars and home are at risk of being liquidated if your spouse is unable to pay off the balance that is owed. It is crucial to protect your loved ones and make sure you have a policy that will cover all your debt so your family will not be left with a cost they cannot afford while dealing with the loss of a loved one.
平均收入
Many new couples and families rely on a two-person income to support their lifestyles and provide the life they have always wanted. This means that if one spouse passes away unexpectedly, the family will be left in need. Sometimes the loss of one spouse's income is too much to overcome, and many families end up having to downsize or lose their family home. A life insurance policy can help cover the income that the spouse used to bring in, 至少在几年里是这样, so the family has time to make adjustments to be able to accommodate the future lack of income.
When determining the value of a life insurance policy, it is important to make sure that it will cover the person's salary at least for a five-year period. 如果配偶一方是全职家长, also consider a life insurance policy to be able to compensate for childcare and other expenses that will need to be covered in their absence.
The fact is that the longer you wait to start your policy, 你付的大发888dafa费就越高. But life insurance premiums are often very affordable. Just remember that a little money each month can give you the peace of mind that your family will be taken care of in the event of a tragedy.
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.
