定期寿险「Term Life Insurance」是一种在一定期限内,如5年、10年、20年,为投保人提供寿险保障的人寿保险产品。在这个时期结束后,投保人可以选择是否延续这份定期寿险(续保时保费会变高)或者让保单终止。 定期寿险的几个特点: - 保费低 - 通常可以续保 - 保单没有现金价值 - 部分定期寿险提供保险转换条款 定期寿...
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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,指的...
This calculator is intended to help you in deciding what amount of life insurance protection may be right for you. It is not a substitute for a financial planner. Your financial information is not saved. Do you have life insurance coverage now? What is your annual income? How much do you...
What is Term Life insurance? Our Term Life insurance gives you the flexibility to choose coverage for a period of 10, 15, 20, or 30 years.
With Term Life insurance plans from BMO Insurance, you’ll get: A choice of coverage options 10, 15, 20, 25, and 30 year term options with the option to renew your coverage for another term. Coverage expires at age 85. Choose how much coverage you need from $100,000 to $30 million...
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...
Typical term life policies come in terms of 10, 15, 20, 25, or 30 years. A small number of insurers will offer 35- and 40-year policies as well. What Happens to Term Life Insurance When the Term Ends? If the term ends on your life insurance policy, generally, the policy will simpl...
可转换型定期险允许定期保险在一定的期限内,可以转换成终身保险 (PermanentLife Insurance), 比如 Whole Life, Variable Universal Life 或Indexed Universal Life。它的主要好处是,当定期保险转换为终身保险时,被保人不需要身体检查,这在被保人身体健康状况下降,又想继续申请人寿保险的情况下,显得尤其重要。
Term life is affordable coverage for your big expenses, so you’re protected when it matters most.