什么是定期寿险，它是如何运作的?
如果你对定期网址入口感兴趣的话, 但不知道它是什么，也不知道它是如何工作的, read more to learn about the benefits and coverage of a term life policy.
什么是定期网址入口?
定期网址入口 or short-term life insurance provides affordable protection, 通常有担保的保费, 在一定时期内.1 The premium for term insurance is initially lower than the premium for a comparable whole life insurance policy; however, 每次续签保费都会增加. This initial lower premium usually makes term insurance an ideal choice for individuals with a temporary need for life insurance protection.
定期网址入口是如何运作的?
- If the insured should die while the policy is in force, 票面金额支付给指定受益人. At the end of the premium guarantee period, the insured can renew the coverage at a higher premium. 不像网址入口, 期限不积累现金价值, 在大多数情况下, 它不赚取股息.
- There are two basic types of term policies: increasing premium term, 哪些每年更新，保费更高, 和水平保费期限, 哪一个 features a fixed premium for a specific number of years and then increases in subsequent years.
定期网址入口 is relatively more budget friendly compared with a permanent insurance at the same coverage amount.
定期网址入口的好处?
- 预算友好2
定期网址入口的期限是固定的, 通常是10年或20年, and is relatively affordable compared with a whole life insurance policy for the same amount of coverage. It’s common for younger, first-time policy owners to purchase term. Many term policy owners match the length of their term coverage with a key life milestone, like paying off a mortgage or seeing their children through college.
- 转换特权
许多定期保单提供了这样的能力 将定期保险转换为整体保险 而不提供健康证明.3 This privilege is usually available during the first several years of the policy. If permanent insurance is not within your budget at the present time, the conversion privilege guarantees your insurability later, 即使你在其他方面变得无法投保.
- 可定制的选项
A term life policy provides you with protection now and gives you options for changing your coverage as your life changes. An excellent use of term insurance is as an added "rider" to a whole life plan. 假设个人需要200美元,000 in life insurance coverage but can't afford the premium for a 100% permanent plan. An affordable option may be to purchase a $50,000 permanent policy with a $150,000 term rider.
The mix of term and whole life insurance can provide the desired amount of coverage with more limited cash value accumulation, 在预算范围内的溢价. In the future, when income increases, the term portion can be converted into permanent insurance.
购买定期寿险时要注意什么.
在选择定期保险时，这是适合你的, you'll want to be sure to work closely with an agent to understand all the features it offers. 考虑以下:
- Be sure that the policy is guaranteed to be renewable. That means you can renew your policy without a physical exam. Also, be sure that it contains a conversion privilege. Together, these two features protect your future insurability.
- Most companies offer different possibilities for conversions, so be sure to discuss these options with your agent when you're ready to convert. Your agent can supply a computer-generated illustration to help you make your decision.
- Some companies offer a rider to extend the premium guarantee (sometimes called a modification of premium guarantee rider), 哪一个, 额外的费用, 保证在有限的时间内, the premium will not be greater than the scheduled premium stated in the policy contract.
- It’s not advisable to simply shop for the policy with the lowest premium. 在担心省几块钱之前, you'll want to be sure that the insurance company is financially sound. Longevity, size, and financial ratings are key considerations when choosing an insurance company.
You can check the financial health of insurers by reading what the independent ratings agencies say about them. A.M. Best, Fitch, Moody 's和Standard & Poor's指的是每年发布业绩的公司 保险公司评级.
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1The guarantees of a Term policy are based on the claims-paying ability of the issuer.
2 Premiums are usually lower for term life insurance than they are for permanent life insurance for the same amount of coverage in the early years.
3 受某些条件和限制.
网址入口 policy form numbers: Yearly Convertible Term (ICC18218-135P); Level Premium Convertible Term (ICC18218-60P) SMRU: 1700121