我需要多少人寿大发888dafa?

Many people do not like talking about life insurance; in times of health and relative ease, 这可能是一个不舒服的谈话. 此外, the complexity of determining exactly who needs it and how much they need can be a little overwhelming. The number of people uninsured or underinsured continues to increase as more and more people forgo it altogether, unsure of where to find reliable information regarding life insurance. 来帮助回答第一个问题, anyone who has financial dependents but does not have enough savings needs life insurance. 生活 insurance gives you peace of mind through the knowledge that your dependents will be financially covered even after you have left them.

在过去, the formula for "how much" was seven to 10 times one's total annual income, 但这导致许多人大发888dafa不足. It is good to keep in mind that there is no one-size-fits-all when it comes to life insurance. Take time to crunch the numbers and discuss your family's needs with your spouse to come up with a reliable estimate.

Now that you understand why you need life insurance, 下面是一个简单的, four-step guide to help estimate the amount of life insurance you need.

第一步:评估你家人的需求

第一个, determine how much money it actually takes to run your household, 包括每月开支, 比如公用事业. Also, calculate your unpaid mortgage and outstanding debt. While you're at it, add all your 丧葬费 and any possible estate 税. Most insurance policies will cover expenses such as outstanding medical bills, 丧葬费, 税, 债务, 甚至你的抵押贷款. Adding all these up gets you closer to the final estimate.

Step 2: Consider Future Financial Obligations

In your calculations, estimate the total amount of future financial obligations. This includes the cost of sending your children to college. Do not make the mistake of underestimating your family's future needs. 通过这样做, you will be underestimating the amount of insurance you need, putting your family at risk of a financial shortfall. Make an outline of your family's cash flow needs, including long-term financial goals. 把所有这些因素加起来, and you will have an estimate of the amount of money your survivors will need in the future. Don't forget to factor in the loss of your annual income and current financial quality of life. Remember, the higher your income, the greater your responsibilities and expenditures. This means that you will need more insurance to cover the income loss.

第三步:把你所有的资源加起来

资源 should be the sum of all the assets you currently have. 把你配偶的收入加起来, 储蓄(无论是长期还是短期), 还有你退休账户里的余额. Remember to add emergency reserves and college funds you have set up for your children. 资源 also include rental property in your name. If your employer provides any other life insurance policy for you, include that as well.

步骤4:计算

Now that you have a rough estimate of your family's needs and assets, you can proceed to calculate your life insurance needs. The difference between your family's resources and needs should give you an estimate of the life insurance you need.

You can opt to add a critical illness provision to your life insurance policy. 这会让你内心平静, knowing your family will be financially protected if you suffer a critical illness and cannot work. Critical illness insurance policies cover illnesses such as cancer and heart disease. 在你买了人寿大发888dafa之后, you should keep reviewing it on a regular basis so that, 如果你的环境改变了, it will still offer sufficient protection to your family.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, is not affiliated with the named 经纪自营商, 在州或证券交易委员会注册 投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.