What is life insurance?

人寿pp王者电子官网可能会让人觉得复杂而难以承受, but at its core, it's a pretty simple way to plan for the financial future of the people you love. Learning what life insurance is now can help you make informed decisions about the right ways to keep your family protected.

Life insurance is a tool to help make sure what you want to happen, will happen. 这才是真正的意义所在. None of us can predict the future. 我们大多数人都希望能活得长久. 我们想和家人一起变老, 经营我们的生意，直到我们准备退休, 在未来的岁月里回馈我们的社区. But one thing that's guaranteed about the future is that it has no guarantees, 我们不知道自己能活多久. 人寿pp王者电子官网是防止这种不确定性的一种方式. 无论是偿还抵押贷款, 其他债务或帮助支付大学学费, the type of life insurance you choose can be there when it's needed most by your loved ones.

How does life insurance work?

How life insurance works is pretty simple. 你买了一份人寿pp王者电子官网 name a beneficiary to receive the death benefit. If the policy is active when you pass away, your beneficiary will receive that death benefit. 你的家人可能会住在他们的家里, 留在同一所学校，继续过你为他们梦想的生活.

And while most people buy life insurance because they want to protect their family or leave money to a favorite charity, 它也提供了很多好处 small business owners such as allowing the remaining partners to buy out the deceased partner or possibly using the cash value during a downturn. If you have a business to protect or an organization you're passionate about, 代理人可以帮助你了解你的人寿pp王者电子官网选择.

How much does life insurance cost?

代理人也会收到很多关于人寿pp王者电子官网费用的问题, and it can be helpful to look at cost in two different ways - the cost of having it, and the cost of not having it.

• The cost of having life insurance -人寿pp王者电子官网的费用根据不同的因素而有所不同 type of life insurance you purchase, 人寿pp王者电子官网的承保金额 you want, your health and your age. 你越年轻，通常越便宜. 今天的花费会比明天少. 但这并不意味着随着时间的推移，它会变得负担不起, and most people think life insurance is more expensive than it actually is. Sitting down with an agent to talk through your budget and your goals can help you find the protection that makes the most sense for you.
• 没有人寿pp王者电子官网的代价 花点时间想想你现在为你的家庭提供了什么. 你有提供他们支付抵押贷款和其他费用所需的收入吗? 你会为他们未来的储蓄做贡献吗? Do you help with child care? Cooking? Shopping? Home maintenance? Now imagine if you weren't here. 没有你的家庭生活会是什么样子? 他们在经济上会受到怎样的影响? 如果没有人寿pp王者电子官网，他们未来的成本是多少? That's the cost of not having it.

Types of life insurance

Though life insurance serves the same basic need (providing a death benefit if something happens to you), different types of life insurance 以不同的方式工作，并提供额外的福利. Patrick Blevins, State Farm^® agent in Lexington, Virginia, likes to put life insurance into two categories - short-term protection and long-term protection.

• Short-term protection — Term life insurance “这就像租一个地方，”布莱文斯说. You buy a policy for a specific amount of time, commonly for 10, 20 or 30 years. 如果你在这段时间内死亡，你的受益人将获得死亡抚恤金. 如果到那时你还活着的话, your policy ends or you can visit with your agent and explore other life insurance options. "What's good is that you can buy a lot of coverage for not a lot of premium."
• Long-term protection — This is how Blevins often refers to permanent life insurance, which includes variations such as whole life insurance and universal life insurance. 他将其描述为“拥有一个家，它是你的。. "It's lifelong coverage and, like term coverage, 如果你死了，给你的受益人提供死亡抚恤金. It also offers several living benefits including accumulation of cash value at a guaranteed interest rate and preferential tax treatment. A lot of Blevins' customers like the cash value aspect of a permanent policy. “随着他们保单的现金价值增长, 他们喜欢知道在紧急情况下能拿到钱, 帮助支付大学费用或帮助补充退休收入."

有些人发现一种政策可以满足他们所有的需求, 而其他人则选择不同pp王者电子官网范围的组合. Every individual's situation is different, and talking to an agent can help you sort it all out. 你的需求也可能随着时间的推移而变化, so it's a good idea to review your policies regularly to see if you need to make adjustments as changes happen in your life.

How much life insurance do I need?

How much life insurance you need 将取决于你自己独特的情况. 有些人依靠他们通过工作获得的团体pp王者电子官网, 但是一旦他们坐下来看看他们对家庭的目标, they find it's not enough. Plus, if you change jobs or lose your job, your group coverage won't go with you.

When determining 你需要多少人寿pp王者电子官网, look at your family size, all sources of income, the value of your home and all your debt. And for that debt, you'll want to be sure to factor in every expense you might have today and in the future — mortgage or rent, clothing, food, utilities, car loans, 未来的教育成本——不要漏掉任何东西.

归根结底是你对家庭的“期望”. 如果你不在这里，你想让他们怎么样? 你想让你的家人住在你的房子里吗? 你希望你的配偶能够留在家里照顾你的家人吗? These are most likely things you would "want" for them if you were to pass away.

When you start looking at everything in your life that goes into how much life insurance you need, it can feel overwhelming. 所以州立农场的特工才来这里. 他们可以帮助你分解这些内容，并帮助你找到你需要的报道.

Is life insurance worth it?

You can probably answer this question by asking yourself another question — what would life insurance mean to my family if I wasn't here? 如果这能起到很大的作用，那么你对"Is life insurance worth it?" is likely a yes.

Learn more

关于人寿pp王者电子官网有很多需要了解的, and we want to make sure you have all the information you need to make informed decisions about protecting the financial future of your family or business. We encourage you to learn more and discuss your unique needs with your local State Farm agent.

Get a quote for term life insurance -如果您对其他生活产品感兴趣，请 contact a State Farm agent.