Life Insurance FAQ
人壽保險常見問題
Due to recent events, life insurance has become a bigger consideration than ever. But yet, you would not be to blame if you still had several doubts about it. That's why we've compiled a few of the most common questions regarding the topic.
由於最近發生的事件，人壽保險已成為比以往任何時候都更值得考慮的。但是，如果您對此仍有一些疑問，也是很正常的。為此我們整理了一些有關人壽保險的最常見問題。
What kind of things does life insurance cover?
人壽保險保障哪些事情？
Life insurance can be used to cover a variety of common expenses, like:
人壽保險可用於支付各種常見費用，例如：
-Co-signed debt, including student loans
共同簽署的債務，包括學生貸款
-Mortgages
房屋貸款
-College expenses for the kids
孩子的大學費用
-Living expenses for your family
家庭生活費
-Stay-at-home labor expenses (cooking, cleaning, etc.)
留在家中的人工費用（做飯、清潔等）
-Burial expenses
喪葬費用
-Loans from family members
家庭成員的貸款
-Estate taxes that your heirs must pay for other assets
您的繼承人必須為其他資產支付的遺產稅
Is the life insurance my employer provides enough?
我的雇主提供的人壽保險是否足夠？
Many employers offer life insurance as part of a benefits package. Usually, the amount is a multiple of your salary, up to a limit (usually one or two times your salary). Whether this is enough protection for your needs depends on your financial situation.
許多雇主提供人壽保險作為員工福利計劃的一部分。通常，身故賠償金額是您工資的倍數，最多可達一個限額（通常是您工資的一倍或兩倍）。這是否可以滿足您的需求，取決於您的財務狀況。
Life insurance is more expensive for those who are older or in poor health, so employer-offered life insurance can be a great way to obtain coverage if you can’t otherwise afford it.
人壽保險對於年齡較大或健康狀況不佳的人來說會更貴，因此，如果您無法負擔，雇主提供的人壽保險可能是獲得保險的好方法。
What happens to the money I pay into a policy if I outlive the coverage term?
如果我超過保險期限，我支付的保費會怎樣？
If you outlive your term life insurance, the policy expires and you do not receive a refund of premiums paid. You may have an option to convert your term policy into a permanent policy after it expires.
如果您的壽險壽命超過您的定期壽險，則該保單將到期，並且您不會收到已付保費的退款。您可以選擇在您的期限保單到期後將其轉換為永久保單。
Source 文章來源: http://www.insurance.ca.gov/