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...
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...
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...
定期人寿保险Term Life Insurance和永久人寿保险Permanent Life Insurance,而永久人寿保险又细分为: 1.终身人寿保险Whole Life Insurance 2.万能人寿保险Universal Life Insurance 3.浮动型万能人寿保险Variable Universal Life 4.指数型万能人寿保险Index Universal Life ...
Term life insurance is cheaper than whole life and covers you for a set period of time. Whole life insurance typically lasts your entire life and can build cash value, which makes it a more complex and expensive product. With either policy, your loved ones can spend the payout howeve...
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 定期人寿保险是一份纯保障的基础型保险,受益金额固定,只会在保障期限内生效,支付保额。 Whole Life Insurance 终身分红型寿险其保障时间为终身,保费相对较高,杠杆比例小,变通弹性小,现金价值(Cash Value)在保单内有延税功能,随着时间的延长,保单的现金价值增加,但红利的发放是非保证的。
Term life insurance and whole life insurance are two of the most popular types oflife insurance. Knowing the differences between them will work to your advantage and ensure that you’re getting the life insurance policy that best meets your financial needs. ...
Depending on the insurance company, it may be possible to turn term life into whole life insurance. You can purchase term life policies that last 10, 15, 20 years, or more and you can usually renew them for an additional term. Thebest term life insurance companieshave low prices, easy ap...
Term life insurance is perhaps the easiest to understand because it’s straightforward insurance without a savings or investing component. The reason you buy a term policy is for the promise of adeath benefitfor yourbeneficiaryshould you pass away while it’s in force. For many people, it’s...