类别: 澳博app下载

顾名思义, term life insurance is valid for a specific number of years – usually 10, 20, or 30. If you pass away during that timeframe, your beneficiaries will be paid the death benefit you choose when opening the policy. That death benefit can be used for anything the beneficiary desires, but typically it is meant to supplement your 收入 and provide a safety net to pay the 抵押贷款, 未偿债务, 让你的孩子上大学, and anything else you are obligated to pay.

每年, you’ll make a premium payment that ensures the policy is valid for another year and that payment stays the same throughout the life of the policy. If the term period expires and you are still alive, you’ll likely be able to renew the life insurance policy, 但速度每年都在加快. 澳博app下载 in Las Vegas, NV can help you with any questions you may have.

定期澳博app下载适合我吗?

To decide how much life insurance you need, there are a couple of approaches to take. First, you can simply multiply your current 收入 by how many years you wish to replace it. 例如, 如果你的薪水是100美元,000 and you want to ensure 10 years of 收入 should you pass, you’ll want to purchase a $1 million life insurance policy. 第二个, you can use the more comprehensive DIME method that has you add your debt, 收入, 抵押贷款, and anticipated college education needs for your children together to establish a baseline amount of how much money your family will need should you pass away.

Learn more about life insurance and discover how it can be a beneficial tool for your loved ones, by reaching out to 澳博app下载 in Las Vegas, NV. We take the time to learn about our customers personally so that we can make tailored recommendations based on need.

在澳博app下载买澳博app下载, NV means making critical life decisions such as choosing a beneficiary. If you have never sat down and thought about it, you will have difficulty filling that “required field.” You will be required to name multiple names if the primary beneficiary is unavailable to receive the death benefit. So what is the process of choosing a beneficiary? Who can you choose as your primary beneficiary? 澳博app下载 will help answer these questions and others that you may have about beneficiaries.

任何人都可以成为你的受益人

A beneficiary can be any person, institution, charity, business, or trust. If you choose a person to be your beneficiary, 他们可以是你的孩子, 配偶, 兄弟姐妹, 家长, 朋友, 邻居, or a needy person you feel deserves your wealth. There are really no restrictions to whom you can name. 然而, 在内华达州, a rule requires your 配偶 to waive their rights if you decide to designate someone else as the beneficiary.

主要和或有受益人

保险 experts always recommend having at least two names when buying life insurance. The first and most important name is the primary beneficiary. This is the person who will receive the death benefit. 如果这个人比你先死, the second name—contingent beneficiary will receive the death benefit on behalf of the primary beneficiary.

What if You Want To Have Multiple Beneficiaries?

It’s essential to be specific when choosing beneficiaries to avoid conflict with your loved ones. If you have to include all of them—let’s say ten names, make sure they are well-written and spelled correctly to avoid future problems. You also need to assign the percentage of the death benefit each will receive. Don’t forget to update these names frequently based on circumstances.

在澳博app下载, 我们建议, 指南, and take you through the entire process of acquiring life insurance. If you would like to learn more about beneficiaries, call or visit our Las Vegas, NV offices.