人寿pp王者电子官网是如何运作的?
Underst和ing how life insurance works can help you plan for the future of your loved ones or help protect your business.
我们收到了很多问题，不仅仅是关于什么是人寿pp王者电子官网" 和 how it works when you pass away, but also about how it works in the 在这里 和 now.
人寿pp王者电子官网单是如何运作的?
简单来说, 你从人寿pp王者电子官网公司买了一份人寿pp王者电子官网, pay a monthly or annual premium 和 name one or more beneficiaries to receive the death benefit. 如果保单在你去世时仍有效, your beneficiaries will usually receive the death benefit in a tax-free lump sum.
人寿pp王者电子官网可以用来做什么?
The primary purpose of a life insurance policy is to provide a death benefit that can help protect your loved ones' financial futures.
当人寿pp王者电子官网被支付时, the beneficiary can use the death benefit to cover financial obligations such as:
- Final expenses including funeral 和 burial/cremation costs
- 租金或按揭付款
- 被pp王者电子官网人的收入损失
- 中学或大学学费
- 未偿债务，如贷款或信用卡账单
- 日常开支，比如杂货和水电费
- 照顾孩子
许多死亡原因都包括在内，无论是意外事故, 一种疾病, 自然原因, 他杀还是自杀. 然而, t在这里 are exceptions w在这里 insurance companies may deny a life insurance claim, 一些例子是:
- If the insured is participating in high-risk activities, such as sky diving, at the time of death.
- If the insured is not truthful about the condition of his or her health when applying for life insurance 和 a claim occurs within the first two years.
- If a beneficiary is found guilty of, or in some way responsible for the death of the insured.
- If suicide occurs during the suicide exclusion period which is typically within first two years of the policy being opened.
术语和. 永久人寿pp王者电子官网
定期人寿pp王者电子官网 offers coverage for a limited period of time, known as the “term.” It can be a good choice to cover short-term debt or a temporary need for coverage. 福利包括:
- Several different terms to choose from — commonly for 10, 20 or 30 years.
- 保费在保单期限内保持不变.
- 能力 将定期pp王者电子官网转换为永久pp王者电子官网不管你的健康状况如何.
获得人寿pp王者电子官网报价
选择要开始的州.
永久人寿pp王者电子官网，包括诸如 终身pp王者电子官网 和 万能人寿pp王者电子官网, offers coverage as long as you live, provided your policy stays in force. 其他福利包括:
- Builds cash value over time that grows tax-deferred 和 allows access to your cash value should you need it.
- Optional riders that can "tailor" a policy to fit you 和 your family's needs.
- 有资格领取股息, although the payment of a dividend or the amount of a dividend are not guaranteed.
为企业主提供人寿pp王者电子官网
While individuals typically purchase life insurance to provide money for their family or a charity when they pass away, life insurance can be an essential planning tool for business owners too. Many business owners protect their future interests with life insurance. 例如, business partners may ensure that life insurance proceeds are t在这里 to purchase the deceased partner's share from the remaining family members. 这通常被称为a buy-sell协议, 和 can be an affordable alternative for the remaining partners to purchase the outst和ing shares of the deceased partner. Businesses could also use the policy's cash value in times of financial opportunity.
向专业人士咨询，了解更多信息
While we've scratched the surface on how life insurance works, we recommend 和经纪人坐下来谈 to talk about your personal situation 和 the options that would make the most sense for you.
你可以得到一个 人寿pp王者电子官网报价 现在,或 给我们一些细节 状态 Farm®的代理人会联系你.
