在所有的保险类型中,Life insurance(人寿保险)其实并不是大家很有“好感”的那一种,因为这个保险主要是用在被保人死亡的时候,保险公司才会向被保人的家属或指定的受益人赔付一定的金额。 也就是说,Life insurance最主要功能是给你的家人或指定的受益人提供经济保障,而不会用在在你自己身上(带有投资价值的寿险除外...
3-1 Guaranteed Universal(保证型万能寿险):不带有投资功能,跟Term Life其实更加相近,可以理解为是带有终身保障性质的定期寿险,但是它的保费通常又会比Whole Life终身寿险要低。 3-2 Variable Universal(投资型万能寿险):有投资功能,可以选择各类不同的基金产品进行投资,收益上不封顶,完全跟市场挂钩,但是风险也会比较...
其实,term life insurance指的是:具有固定期限的人寿保险。保险期内,保险公司承诺对被保险人的人身意外进行赔付。一旦保险到期,被保险人可以选择是否续保,或终止保险。Term life insurance经常在美式口语中被简化为:term insurance。中文里,可把term life insurance翻译为:定期人寿保险,或定期寿险。这里的term,指...
Both whole and term life insurance policies have unique benefits. This is how to choose the right one for you and your loved ones.
Term Life Insurance 之所以这样命名,是因为这类保险只在一定时间或期限内(通常10、15、20、30年不等)提供保障,属于暂时保险,主要提供死亡赔偿金。如果投保人在期限之内死亡,赔偿金可以支付。但如果投保人在期限到期以后死亡,就无法理赔。 大多数人购买定期人寿保险是为了保护亲人,这样的客户有很多债务,或者没有多少积...
Learn about term life & whole life insurance - and how they differ. Protect your family's future by getting the life insurance that fits your needs.
Definition of Term life insurance in the Financial Dictionary - by Free online English dictionary and encyclopedia. What is Term life insurance? Meaning of Term life insurance as a finance term. What does Term life insurance mean in finance?
Life insurance comes in two basic forms: term & permanent. Term insurance provides basic affordable coverage for a set period, while permanent plans provide greater flexibility and a cash value option.
Term life insurance is a guaranteed life benefit paid to the insured's beneficiaries after death. Policies last for a specified term, usually 10, 15, 20 years or more.
If the term ends on your life insurance policy, generally, the policy will simply expire and you don’t need to do anything. However, your insurer may allow you to renew it for another term, or to convert part or all of the term policy into a permanent policy. You’ll need to check...