定期人寿pp王者电子官网适合你的家人吗?

组建家庭? 照顾年迈的父母? If you have dependents counting on your income, life insurance is more a necessity than a luxury. For families and other people seeking a particular period of coverage, a 定期人寿pp王者电子官网 policy provides financial security without requiring a lifetime of premiums. 下面是它的工作原理.

什么是定期人寿pp王者电子官网?

定期人寿pp王者电子官网单 provides coverage for a specific period of time, or term. You can choose a policy for the stated term and pay scheduled premiums to the insurer during that time. If the unthinkable happens, and you should pass away while the policy is in force, 你的受益人 receives the stated value of the death benefit.

定期人寿pp王者电子官网是如何运作的?

与 项政策, you can choose between 10, 20 or 30 years of level premium payments. At the end of the level payment period, the policy is guaranteed renewable to age 95. 尽管该政策可以持续到95岁, the premiums will increase significantly every policy anniversary and will likely become unaffordable.

Most 状态 Farm® 项政策 can be converted without evidence of insurability. 这意味着在级别学期期间, 在75岁之前, you are able to convert regardless of your health to a permanent policy, 如 整个人生 or 普遍的生活. Permanent policies are designed to provide coverage for the entire lifetime of the insured person, 不仅仅是一个规定的术语. 新的保费和其他条件可能适用.

定期人寿pp王者电子官网费用

定期寿险 premiums are determined by a number of factors, 包括年龄, 性别, 烟草使用与健康. 例如, it will typically cost less to insure a 30-year-old nonsmoker in good health than it will to provide the same policy to a 45-year-old tobacco user.

关于定期人寿pp王者电子官网的其他想法

Unlike permanent life policies, most term life policies do not provide cash value. The premiums paid to the insurer are simply the nonrefundable price of coverage for the stated term.

定期寿险 is a sound insurance option for people seeking to provide for their dependents for a set period of time.

获取报价 定期人寿pp王者电子官网 — if you are interested in additional life products, please 联系状态 Farm Agent®.