回顾你的人寿保险需求
Life is an ever-evolving journey marked by significant milestones, 个人成长, 以及意想不到的变化. 随着生活的展开, 你的财务和保险需求也会发生变化, 每年都在变化, 十年又十年. 人寿保险就是一个很好的例子. If you have a life insurance policy that you haven't reviewed recently, 它可能不再符合你当前的需求. That is why reviewing your life insurance periodically may be a good approach.
Several factors affect the cost and availability of life insurance, 包括年龄, 健康, 以及所购买保险的种类和金额. Life insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder may also pay surrender charges and face income tax implications. 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.
理解定期评审的重要性
Some may think that once you secure a life insurance policy, you can set it and forget it. 但人寿保险并不是一成不变的. Just as your life doesn't stand still, neither should your life insurance.
Periodic reviews of your policy help keep your life insurance in step with your evolving situation. Changes in your life can impact the role you want life insurance to play.
如何评估你的人寿保险需求
Reassessing your life insurance and bringing it in line with your life doesn't have to be complicated. 这里有一些建议可能会有所帮助:
DIME方法
One practical approach to determining your life insurance needs is the DIME method. This method involves adding your Debt, Income, Mortgage, and Education expenses.
- Debt - Consider all your outstanding debts, excluding your mortgage. This could include credit card debt, personal loans, or car loans.
- 收入——计算你10年的收入. This can start to help you understand what financial gaps may occur if you were gone.
- 抵押贷款-加上偿还抵押贷款所需的金额. Using life insurance proceeds to pay off a mortgage may help your family keep its home.
- Education - Estimate the cost of your children's college education. You may want to use a range since costs can vary from school to school.
生活变化
发生过什么改变你一生的事吗? These are situations that may alter your needs and responsibilities moving forward.
- Change in Marital Status - A marriage or a divorce can change your financial situation as well as factors such as your policy's beneficiary.
- 孩子的诞生——孩子是一份礼物. But they are also a financial consideration that you may want to take into account.
- Change in Employment - A new job or role in your company may change your income, 这可能会让你重新考虑你的人寿保险利益.
- 购买, 销售, or Paying off a 爱博体育app下载 - Changes in ownership or the standing of your mortgage can alter your needs and strategy for the future.
专业指导的价值
While these steps provide a general idea of your life insurance needs, 没有什么能取代金融专业人士的专业知识, 谁能提供帮助, 回答你的问题, 并指导你完成整个过程. 除了, a financial professional can provide insights into how certain policies are structured and may have thoughts on the life insurance company you may be considering.
人寿保险并不是一种万能的解决方案. It is a dynamic financial tool that may need to evolve with your life. Periodic reviews can help determine what your family needs, no matter what life brings your way.
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. 请咨询法律或税务专业人士 获取有关您个人情况的具体信息. This material was developed and produced by love爱博体育app下载 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. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 love爱博体育app下载.
