为你的退休岁月选择正确的人寿保险政策的重要性

Life insurance has its benefits, 选择一份可管理的人寿保险是你退休计划的关键一步. It can help your family cover end-of-life expenses, funeral and burial costs, and pay for estate taxes. 选择一份能让你和你的家人在退休后受益的人寿保险是很重要的. Here are a few options to review with your financial professional.

The most common types of life insurance include:

Term Life Insurance

这种类型的人寿保险不建立现金价值，临时保险期限从1年到30年不等. There is a fixed death benefit, and it is generally a less complex, lower-cost choice compared to some of the others. 定期人寿保险的覆盖范围各不相同，但根据其结构不同，覆盖范围可能很大. 如果人们早死，他们倾向于购买足够的保险来支付他们的工作年限. 这笔钱可以帮助他们在世的配偶承担日常的短期财务责任, like the mortgage or paying for their children’s education.

Pros: It is generally the cheapest and simplest type of life insurance.
Cons: Beneficiaries won’t get a payout if you outlive your policy.

Variable Life Insurance

这种类型的保险是一种永久性的人寿保险单，被称为使用投资资金的现金价值账户, generally in mutual funds. 将现金价值投资于共同基金等资产会使其面临市场波动风险，因为它可能会像股票一样涨跌. If you prefer, 你可以选择将一部分保费存入一个固定账户, 这样你就能保证一定的回报率，从而减轻一些市场风险. 可变寿险也会在你死后向受益人支付死亡赔偿金.

Pros: Returns of variable policies may provide tax-free income.
Cons: 这些保单被认为比其他形式的人寿保险更不稳定.

Whole Life Insurance

这是一种永久性的保险，只要你缴纳了保险费，它通常会持续你的一生. 你的保费和死亡抚恤金的金额在你的一生中也保持不变. Another benefit to whole life insurance is the cash value component. When you pay your premium, a portion of that payment gets applied to insurance costs, and the remaining portion goes into a cash value account. 随着时间的推移，现金将根据保单确定的利率累积，当它达到你可以从该账户借款的特定金额时.

Pros: 这种类型的保险不像其他一些永久性保险那么复杂, plus you are generally covered for your entire life, and you can grow a cash value account.
Cons: It is more costly than the cheaper term life insurance option.

Universal Life Insurance

万能人寿保险是一种永久性人寿保险，它让你有机会调整你的保费支付金额和潜在的更大的现金价值增长. When it comes to universal, there are different types to choose from, and it is critical that you understand which works for you.

Pros: 这种保险可能比终身寿险便宜.
Cons: Not all universal policies guarantee you will have cash value growth.

Burial Insurance

一种保险，旨在支付你的亲人在你不幸死亡时应负责的费用. Your coverage should last your whole life as long as you make payments. 付款方式通常可以是按月支付，也可以是按年支付.

Pros: Because it typically doesn’t require a medical examination, 这可能是一个合适的选择，如果你有一个预先存在的条件，使你无法购买整体或定期人寿保险. Another benefit is no restriction on how the payout can be used.
Cons: These policies are often expensive, and there may be up to a two-year waiting period to get signed up. 如果你在等待期结束前去世，你的受益人将得不到任何东西.

Consult your financial professional

There are several types of life insurance, and each may impact your financial situation and goals differently. 考虑向财务专家咨询你的人寿保险选择，为退休做准备，并确保你的家人得到照顾.

Request a complimentary consultation, either in-person or virtually, with a Financial Advisor at Elements Wealth Management.

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Important Disclosures

本材料仅包含一般描述，并非要求销售任何保险产品或证券, nor is it intended as any financial or tax advice. 有关具体保险需求或情况的信息，请联系您的保险代理人. 本文旨在帮助您了解保险的一般知识，而不是提供个人服务. 他们可能没有考虑到你的个人特点，比如预算, assets, risk tolerance, 家庭状况或活动可能会影响到适合你的保险类型. In addition, 州保险法和保险承保规则可能会影响可获得的保险范围及其成本. 保函以开证公司的偿付能力为依据. 如果您需要更多的信息或需要个人建议，您应该咨询保险专业人士. 您也可以访问您所在州的保险部门了解更多信息.

All information is believed to be from reliable sources; however, LPL Financial对其完整性或准确性不作任何陈述.

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This article was prepared by LPL Marketing Solutions

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