什么是人寿pp王者电子官网?

人寿pp王者电子官网可能会让人觉得复杂而难以承受, 但其核心是, it's a pretty simple way to plan for the financial future of the people you love. Learning what life insurance is now can help you make informed decisions about the right ways to keep your family protected.

生活 insurance is a tool to help make sure what you want to happen, will happen. 这才是真正的意义所在. 我们谁也不能预测未来. 我们大多数人都希望能活得长久. 我们想和家人一起变老, 经营我们的生意，直到我们准备退休, 在未来的岁月里回馈我们的社区. But one thing that's guaranteed about the future is that it has no guarantees, 我们不知道自己能活多久. 人寿pp王者电子官网是防止这种不确定性的一种方式. 无论是偿还抵押贷款, 其他债务或帮助支付大学学费, the 人寿pp王者电子官网种类 you choose can be t在这里 when it's needed most by your loved ones.

人寿pp王者电子官网是如何运作的?

人寿pp王者电子官网如何运作 非常简单. 你买了一份人寿pp王者电子官网 指定受益人 领取死亡抚恤金. If the policy is active when you pass away, your beneficiary will receive that death benefit. 你的家人可能会住在他们的家里, stay in the same schools 和 keep living the life you've dreamed for them.

And while most people buy life insurance because they want to protect their family or leave money to a favorite charity, 它也提供了很多好处 小企业主 such as allowing the remaining partners to buy out the deceased partner or possibly using the cash value during a downturn. If you have a business to protect or an organization you're passionate about, 代理人可以帮助你了解你的人寿pp王者电子官网选择.

人寿pp王者电子官网要多少钱?

代理人也会收到很多关于人寿pp王者电子官网费用的问题, 和 it can be helpful to look at cost in two 不同的 ways - the cost of having it, 以及没有它的代价.

• 购买人寿pp王者电子官网的费用 -人寿pp王者电子官网的费用根据不同的因素而有所不同 人寿pp王者电子官网种类 你购买, 人寿pp王者电子官网的承保金额 你想要你的健康和年龄. 你越年轻，通常越便宜. 今天的花费会比明天少. 但这并不意味着随着时间的推移，它会变得负担不起, 和 most people think life insurance is more expensive than it actually is. Sitting down with an agent to talk through your budget 和 your goals can help you find the protection that makes the most sense for you.
• 没有人寿pp王者电子官网的代价 花点时间想想你现在为你的家庭提供了什么. 你有提供他们支付抵押贷款和其他费用所需的收入吗? 你会为他们未来的储蓄做贡献吗? 你帮忙照顾孩子吗? 烹饪? 购物? 房屋维修? 现在想象一下如果你不在这里. 没有你的家庭生活会是什么样子? 他们在经济上会受到怎样的影响? 如果没有人寿pp王者电子官网，他们未来的成本是多少? 这就是没有它的代价.

人寿pp王者电子官网的种类

Though life insurance serves the same basic need (providing a death benefit if something happens to you), 不同的 人寿pp王者电子官网的种类 以不同的方式工作，并提供额外的福利. 帕特里克·布莱文斯，州立农场^® 在莱克星顿的代理人, 维吉尼亚州, likes to put life insurance into two categories - short-term protection 和 long-term protection.

• 短期保护作用 — 定期人寿pp王者电子官网 “这就像租一个地方，”布莱文斯说. You buy a policy for a specific amount of time, commonly for 10, 20 or 30 years. 如果你在这段时间内死亡，你的受益人将获得死亡抚恤金. 如果到那时你还活着的话, your policy ends or you can visit with your agent 和 explore other life insurance options. "What's good is that you can buy a lot of coverage for not a lot of premium."
• 长期保护 — This is how Blevins often refers to permanent life insurance, which includes variations such as 终身pp王者电子官网 和 万能人寿pp王者电子官网. 他将其描述为“拥有一个家，它是你的。. “这是终身pp王者电子官网, 比如定期pp王者电子官网, 如果你死了，给你的受益人提供死亡抚恤金. It also offers several living benefits including accumulation of cash value at a guaranteed interest rate 和 preferential tax treatment. A lot of Blevins' customers like the cash value aspect of a permanent policy. “随着他们保单的现金价值增长, 他们喜欢知道在紧急情况下能拿到钱, 帮助支付大学费用或帮助补充退休收入."

有些人发现一种政策可以满足他们所有的需求, 而其他人则选择不同pp王者电子官网范围的组合. Every individual's situation is 不同的, 和 talking to an agent can help you sort it all out. 你的需求也可能随着时间的推移而变化, so it's a good idea to review your policies regularly to see if you need to make adjustments as changes happen in your life.

我需要投多少人寿pp王者电子官网?

你需要多少人寿pp王者电子官网 将取决于你自己独特的情况. 有些人依靠他们通过工作获得的团体pp王者电子官网, 但是一旦他们坐下来看看他们对家庭的目标, 他们发现这还不够. Plus, if you change jobs or lose your job, your group coverage won't go with you.

在确定 你需要多少人寿pp王者电子官网, look at your family size, all sources of income, the value of your home 和 all your debt. 对于这笔债务, you'll want to be sure to factor in every expense you might have today 和 in the future — mortgage or rent, 服装, 食物, 公用事业公司, 汽车贷款, 未来的教育成本——不要漏掉任何东西.

归根结底是你对家庭的“期望”. 如果你不在这里，你想让他们怎么样? 你想让你的家人住在你的房子里吗? 你希望你的配偶能够留在家里照顾你的家人吗? These are most likely things you would "want" for them if you were to pass away.

When you start looking at everything in your life that goes into how much life insurance you need, 会让人觉得难以承受. 所以州立农场的特工才来这里. 他们可以帮助你分解这些内容，并帮助你找到你需要的报道.

人寿pp王者电子官网值得吗?

You can probably answer this question by asking yourself another question — what would life insurance mean to my family if I wasn't 在这里? 如果这能起到很大的作用，那么你对"人寿pp王者电子官网值得吗?很可能是肯定的.

了解更多

关于人寿pp王者电子官网有很多需要了解的, 和 we want to make sure you have all the information you need to make informed decisions about protecting the financial future of your family or business. 我们鼓励您了解更多信息，并与您的客户讨论您的独特需求 当地州立农场代理.

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.