A life insurance policy is a contract between a policy owner and the insurance company. If the named insured dies while the policy is in force, the beneficiary will receive a payment (death benefit) from the insurance company. 人寿保险 can also be used to create an estate, 缴纳遗产税, 为业务转移提供资金, 替换慈善礼物, 平衡遗产, or as a possible solution for other perplexing financial problems.

人寿保险的种类

• Term Insurance - Term insurance provides death benefit protection for a stated period of years and can be 购买d with level premiums that typically last for 10, 20, 或者30年. Generally, term insurance policies do not have cash values.
• Whole Life - As a form of permanent insurance, whole life is a guaranteed contract that offers level premiums and death benefits, as long as the premiums are paid on time. Because whole life is guaranteed, the premiums typically are higher than other permanent policies, 而且政策不够灵活. Since the guarantee is based on the claims-paying ability of the insurance company, it is important to choose a reputable firm. The cash value component has the ability to increase based on the performance of the insurance company's portfolio.
• Universal Life - Universal life is a type of permanent insurance suitable for the person who wants less cash value guarantees than whole life but likes the idea of greater flexibility. Premiums on a universal life policy are usually lower than they would be on a whole life plan, but so is the cash value build-up. Most universal life policies are tied to interest rates. 视计划而定, the interest rates can either be fixed or based on current assumption, where the rates may change every year. Variable universal life plans are also available, which allow you to choose from different subaccount investment options. This feature enables you to have your cash value component tied to the market instead of to an interest rate. 然而, you must remember that you assume greater risk with a variable universal life plan in exchange for the potential upside of the market.

有永久保险, such as whole or universal life, the cash value grows tax-deferred, withdrawals - up to the cost basis - may be taken free of income tax. Additional dollars may be accessed by taking tax-free loans. 然而, withdrawals and loans will reduce the account value and the death benefit, 在某些政策下, 59岁以前的提款 ¹⁄₂ may be subject to a 10% federal tax penalty.

Ask your Financial Advisor for more information about the many different types of policies and companies we represent. We can custom fit a plan specific to your needs.

重要的信息披露