Life Insurance FAQ

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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/

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