定期人寿pp王者电子官网vs. 终身pp王者电子官网:哪个适合你?

定期人寿pp王者电子官网的好处是什么. 终身pp王者电子官网?

When considering which type of life insurance you should purchase, 了解基本知识, benefits and realities of both term and 终身pp王者电子官网 is important in making a decision that is best for you.

定期人寿pp王者电子官网

定期人寿pp王者电子官网 是最简单的人寿pp王者电子官网吗. You pay your premiums as scheduled and in return your insurer agrees to pay a death benefit should you die within that term.

定期人寿pp王者电子官网的好处

• 初始成本低. 定期人寿pp王者电子官网 can be purchased in large amounts for relatively small premiums.
• 你可以根据需要购买定期pp王者电子官网，就像一生一样. 许多人担心偿还抵押贷款, providing money for higher education or replacing a portion of their income if they pass away. These are typically temporary needs, which may last just a few years, or much longer. 满足这些需求, 加上适量的pp王者电子官网, 能给你爱的人时间吗, 和金钱, 需要做出重要的财务决定.
• 可转换. Most term policies can be converted (age limitations typically apply) to a 终身pp王者电子官网 if your temporary needs evolve into lifetime needs.

定期人寿pp王者电子官网的现实

• 这个政策是暂时的. 定期人寿pp王者电子官网 is designed to last for a specific amount of time (term). 在学期结束后, many policies are guaranteed to renew on an annual basis at a higher premium, 而且可能变得难以承受.

终身pp王者电子官网

终身pp王者电子官网 终身享有死亡抚恤金. It also includes a cash value component that accrues value over time, 允许您根据需要借用或提取资金.

终身寿险的好处

• 终身pp王者电子官网. A 终身pp王者电子官网 涵盖你的余生，而不仅仅是一个规定的期限. 只要你的保单在你去世时有效, 你的受益人会得到死亡抚恤金.
• 构建股票. 随着时间的推移, a portion of the premiums you pay for a 终身pp王者电子官网 become part of the policy's cash value. 一旦累积了足够的现金价值, this cash value becomes available to you through loans and withdrawals. Any way you choose to use it — if you choose to use it — the cash value of a 终身pp王者电子官网 provides an additional asset for your family. 然而, t在这里 can be consequences when you access cash value depending on the action and how you access the money.¹
• 高级选项. 使用传统的终身保单, pp王者电子官网费通常支付到100岁, but t在这里 are policies with a limited payment period w在这里 the premium is fully paid in a specific number of years.
• 你可能会收到股息. pp王者电子官网公司可向终身保单持有人支付股息, 这取决于公司的财务状况. 股息可以用现金支付, 以有竞争力的利率积累, purchase additional insurance within the policy or even be used to reduce the premium. 虽然股息不能保证, the possibility of earning dividends is an attractive feature of whole life policies.
• 遗产规划. 这不仅仅是富人的专利. 很多人想把资产留给下一代, do charitable giving or provide for an individual with special needs. 终身pp王者电子官网 can be an efficient way of passing money onto the next generation.

终身寿险的现实

• 较高的初始保费. 终身pp王者电子官网 has a higher initial premium than an equal amount of term insurance, 但是不要混淆成本和价值. 终身pp王者电子官网的好处, and over time the guaranteed cash value and the eligibility to earn dividends, makes whole life a good choice for building an additional asset class and for providing for lifetime needs.

Good financial decision-making is based on solid research and sound advice. 如果你在考虑定期人寿pp王者电子官网和. 终身pp王者电子官网, be sure to discuss your options with a 状态 Farm^® agent and consult your tax and legal adviser regarding your situation.

获取报价 定期人寿pp王者电子官网 -如果您对其他生活产品感兴趣，请 联系州立农场的代理人.

¹ Unpaid loans and withdrawals will reduce the guaranteed death benefit and policy cash value. 贷款也会产生利息.