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Frequently Asked Questions bet9九州体育注册 Life bet9九州体育注册

Get Educated During 人寿bet9九州体育注册认知月

9月是 人寿bet9九州体育注册认知月, promoting information that can explain the benefits, 成本, 并使用这个有价值的金融工具. 

Life insurance is designed to serve as a safety net for your dependents in the case of your death. 它可以弥补损失的收入, 支付你的丧葬费用, 偿还债务, 和 give your family the peace of mind that comes with financial security.    

Purchasing this essential asset may be confusing if you’re not familiar with how it works (和 most people are not). Our bet9九州体育网址 Farm Bureau insurance agents are skilled in answering these questions 和 helping folks get the protection they need. 

下面, we share some of the most frequently asked questions that people want to know about life insurance. 

为什么我需要人寿bet9九州体育注册?

Life insurance offers your family (or anyone who depends on you for monetary support) the financial protection they need if you die. 死亡抚恤金, or tax-free lump sum payment your beneficiary will receive upon your death, can be customized to fit the needs of your family. 在理想的情况下, the amount should be enough to cover expenses like your burial, 房屋抵押贷款, 孩子的大学债务等等.

How life insurance can help protect your family financially: pay for funeral 成本, 支付账单, 清偿未偿债务, 继续经营家族企业, 资助孩子的教育, 保护配偶的退休计划.

Which is Better, Term or Whole Life bet9九州体育注册?

这两个 定期和终身bet9九州体育注册选择 should be carefully considered before you make a purchase. 

Term life insurance is less expensive 和 provides coverage for a predetermined period, 通常10, 20, 或者30年. If you live out the policy’s term, your coverage ends, 和 there is no payout. 整个学期的费用都是一样的. The dollar amount of coverage you purchase should be enough for your family to replace your income 和 help with other services. 

Whole life insurance is more detailed 和 成本 more, but it offers more benefits 和 covers you until death, 你的付款不会增加. 它提供永久的保护, 死亡抚恤金是有保证的, 和 cash value that grows (tax deferred) at a fixed rate. Some whole life policies may also earn annual dividends.

When considering your choice of whole or term life insurance, take into account the purpose of the coverage, 覆盖范围的长度, 以及你能付多少钱.   

人寿bet9九州体育注册的费用是多少?

bet9九州体育注册费用是怎样计算的? Every person’s or family’s policies will be different, 和 the cost is dependent on several factors, 包括以下内容:  

  • The type of policy you choose: whole life policies cost more than term life policies because they last your entire life 和 build cash value.
  • Underwriting: simplified 和 guaranteed issue policies tend to be more expensive.
  • 你的bet9九州体育注册范围和期限.
  • Your age: younger people typically have lower rates.
  • Your health status: healthier people typically have lower rates.
  • Your tobacco use: non-smokers typically have lower rates.
  • Risky hobbies or pastimes: activities such as skydiving or skateboarding pose high risk.

我需要多少人寿bet9九州体育注册?

两个重要组成部分 should be forefront when calculating the amount of insurance you will need. 第一个, consider what financial resources (such as Social Security or retirement benefits, investments or other assets) will be available for your survivors, 和, 其次, what your survivors’ financial needs will include.    

While some insurance experts propose that you purchase five to eight times your current income in life insurance, 有 你应该考虑几个问题 regarding your own situation, 包括以下内容: 

  • 我能提供多少家庭收入?
  • If I were to die, how would my survivors, especially my children, get by?
  • Do I want to set aside funds for my children to finish their education?
  • How will my family pay final expenses 和 repay debts after my death?
  • Will there be estate taxes to pay after my death?

Why Should a Stay-at-首页。 Parent Buy Life bet9九州体育注册?

It’s easy to think of life insurance as a safety net to replace income if the worst happens to the family breadwinner, 但如果发生了什么事 全职父母?   

The reality is that having a life insurance policy for that person does not replace income–it provides the money to cover all the jobs he or she performed at home. 这可以包括:

  • 照顾孩子
  • 膳食准备
  • 打扫屋子
  • 去了
  • 洗衣的职责
  • 购物
  • 草坪保养
  • 教育

Why is it Better to Buy Life bet9九州体育注册 When You Are Young?

bet9九州体育注册费率是根据风险因素确定的, 和 younger people are usually healthier people who will live long lives. 对大多数人来说, the ideal time to buy life insurance is when you’re in your 20s, before chronic conditions like high blood pressure or cholesterol may appear. You will spend substantially less in premiums If you can get a life insurance policy before any of these conditions develop.  

我应该为我的孩子买人寿bet9九州体育注册吗?

It is  not commonly recommended  that buying life insurance for children is necessary, as life insurance is meant to be used as income replacement. If your child has a chronic illness that may worsen as he or she ages, 人寿bet9九州体育注册可能是一个可以考虑的选择.  Generally, other savings vehicles such as a 529 plan are a better choice.

Purchase Life bet9九州体育注册 from the Experts at 农业局bet9九州体育注册

The first step with life insurance is to schedule an appointment with a bet9九州体育网址 Farm Bureau insurance agent. They can do a thorough review of your needs 和 help build a life insurance policy that works best for you 和 your family. 使用我们的bet9九州体育网址查找器开始.