保险

Life 保险 Myths: Debunked

Life 保险 Myths Debunked! Have you ever heard someone claim they don't need Life insurance? Or that insurance is too expensive? 也许他们甚至说过, 确定无疑地, that all the coverage they need is provided through their employer. If so, they may have fallen prey to some common life insurance myths.

Life 保险 Myths Debunked! Have you ever heard someone claim they don't need Life insurance? Or that insurance is too expensive? 也许他们甚至说过, 确定无疑地, that all the coverage they need is provided through their employer. If so, they may have fallen prey to some common life insurance myths.

Myth #1: If you’re single or married without children, you don’t need life insurance. 神话揭穿. Even if you don’t have a spouse or dependents, life insurance is still important. You can use it to leave a legacy or to help pay off any debts you owe. The right life insurance policy can help you protect your loved ones and support your community long after you’re gone. (1)

Myth #1: If you’re single or married without children, you don’t need life insurance. 神话揭穿. Even if you don’t have a spouse or dependents, life insurance is still important. You can use it to leave a legacy or to help pay off any debts you owe. The right life insurance policy can help you protect your loved ones and support your community long after you’re gone. (1)

Myth #2: Life insurance is too expensive. 神话揭穿. You may be surprised to learn that many life insurance strategies are quite approachable. Starting with a policy that fits your budget can make sure you are protected today, while letting you purchase additional coverage down the road if you need to. (2)

Myth #2: Life insurance is too expensive. 神话揭穿. You may be surprised to learn that many life insurance strategies are quite approachable. Starting with a policy that fits your budget can make sure you are protected today, while letting you purchase additional coverage down the road if you need to. (2)

Myth #3: I have life insurance through my job. If I leave or retire, I’ll bring my policy with me. 神话揭穿. Unfortunately, employer-offered life insurance usually isn’t portable. So, when you leave your job, you may also be leaving your life insurance behind. By purchasing your own policy, you can take it with you. Another bonus: you may qualify for more personalized coverage. (3)

Myth #3: I have life insurance through my job. If I leave or retire, I’ll bring my policy with me. 神话揭穿. Unfortunately, employer-offered life insurance usually isn’t portable. So, when you leave your job, you may also be leaving your life insurance behind. By purchasing your own policy, you can take it with you. Another bonus: you may qualify for more personalized coverage. (3)

Myth #4: My beneficiaries will have to pay income tax on the proceeds from my life insurance policy. 神话揭穿. Proceeds received as a beneficiary aren’t generally counted toward gross income. However, any additional interest payments may be taxed. Keep in mind that this article is for informational purposes only. It’s not a replacement for real-life advice, so make sure to consult your insurance or tax professional for more information. (4)

Myth #4: My beneficiaries will have to pay income tax on the proceeds from my life insurance policy. 神话揭穿. Proceeds received as a beneficiary aren’t generally counted toward gross income. However, any additional interest payments may be taxed. Keep in mind that this article is for informational purposes only. It’s not a replacement for real-life advice, so make sure to consult your insurance or tax professional for more information. (4)

Myth #5: I’m a full-time parent and draw no income. Surely I don’t need life insurance. 神话揭穿. As a full-time parent, you provide valuable services that could be expensive to replace. 如果你去世了, the benefits from a strong life insurance policy may help ensure that your family will continue to receive childcare, 运输, 房屋维修, 以及其他必要的支持. (5)

Myth #5: I’m a full-time parent and draw no income. Surely I don’t need life insurance. 神话揭穿. As a full-time parent, you provide valuable services that could be expensive to replace. 如果你去世了, the benefits from a strong life insurance policy may help ensure that your family will continue to receive childcare, 运输, 房屋维修, 以及其他必要的支持. (5)

Myth #6: I’m already retired; it’s too late for life insurance. 神话揭穿. Maintaining life insurance post-retirement can be a wise move. 取决于你的政策, you may have access to living benefits, which can support you if you need extended care or contract a terminal illness. Life insurance can also be a means of transferring wealth. What kind of legacy do you want to leave behind? (6)

Myth #6: I’m already retired; it’s too late for life insurance. 神话揭穿. Maintaining life insurance post-retirement can be a wise move. 取决于你的政策, you may have access to living benefits, which can support you if you need extended care or contract a terminal illness. Life insurance can also be a means of transferring wealth. What kind of legacy do you want to leave behind? (6)

Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder may also pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments. 1. 报道.2020年4月28日. 2. 好事达.2019年12月. 3. 报道.2020年4月28日. 4. 国税局.gov, 2019年9月20日. 5. TheLadders.2019年9月11日. 6. USNews.2020年2月27日.

Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, the policyholder may also pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments. 1. 报道.2020年4月28日. 2. 好事达.2019年12月. 3. 报道.2020年4月28日. 4. 国税局.gov, 2019年9月20日. 5. TheLadders.2019年9月11日. 6. USNews.2020年2月27日.

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