Term x Permanent life insurance

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Term x Permanent life insurance

定期 x 永久人壽保險




There are two basic life insurance options: term and permanent. Term lasts for a specific, pre-set period. Permanent lasts your entire lifetime.

有兩種基本的人壽保險選擇:定期和永久人壽保險。定期保險是持續特定的、預定的期限。永久保險是持續您的一生。


But with so many diverse opinions and points of view, it can become very difficult to parse what kind is the most beneficial for your situation. With this article, we hope to aid you to make an informed decision.

但是有這麼多不同的意見和觀點,要分析哪種保險是您最佳的選擇,可能是比較困難的。通過本文,我們希望能幫助您做出明智的決定。


Term Life insurance: Definition

定期人壽保險:定義


Term insurance is the simplest form of life insurance. It pays only if death occurs during the term of the policy, which is usually from one to 30 years. Most term policies have no other benefit provisions. Term insurance generally offers the largest insurance protection for your premium dollar.

定期保險是最簡單的人壽保險形式,只有在保單有效期內(通常為1至30年)發生死亡時才賠付。大多數定期保單沒有其他福利條款。定期保險通常為您的保費提供最大的保險保障。


There are two basic types of term life insurance policies level term and decreasing term. Level term means that the death benefit stays the same throughout the duration of the policy.

有兩種基本類型的定期保險,定額定期和遞減定期保險。定額定期保險意味著身故賠償在整個保單期間保持不變。


Decreasing term means that the death benefit drops, usually in one-year increments, over the course of the policy's term.

遞減定期保險意味著在保單的整個期限內,死亡撫卹金通常以一年為增量遞減。


Term Life insurance: Advantages and Disadvantages

定期人壽保險:優點和缺點


Advantages of Term Life Insurance include the lower price point, its simplicity, and flexibility since it can be canceled with ease, unlike permanent life insurance, besides the fact that you can acquire it for a specific period that fits your needs, such as a mortgage.

定期人壽保險的優點包括價格較低、簡單靈活,和取消永久人壽保險不同,因為它可以輕鬆取消,此外您可以在適合您需求的特定時期購買它,例如房屋貸款。


Disadvantages include a lack of built-up cash value - only providing a death benefit, the uncertainty of acquiring future life insurance if you need it - such as in advanced ages - which result in only about 1% of Term Life Insurance Policies ending in a death claim.

缺點包括缺乏累積現金價值 - 僅提供身故賠償,如果您需要購買不確定未來人壽保險獲得人壽保險- 例如在年老的時候 - 只有約 1% 的定期人壽保險保單以死亡索賠。


Permanent Life Insurance: Definition

永久人壽保險:定義


Permanent life insurance goes by several names, such as universal life, variable universal life, and whole life. Permanent insurance provides long-term financial protection. These policies include both a death benefit and, in some cases, cash savings. Because of the savings element, premiums tend to be higher.

永久人壽保險有多種名稱,例如萬能壽險、變額萬能壽險和終身壽險。永久保險提供長期的財務保障。這些政策包括身故賠償和在某些情況下的現金儲蓄。因為有儲蓄的特質,保費往往比較高。


Whole life/permanent insurance pays a death benefit whenever you die even if you live to 100 years old! There are three major types of whole life or permanent life insurance traditional whole life, universal life, and variable universal life.

即使您活到100歲,終身/永久保險也會在您去世時支付身故賠償!終身人壽或永久人壽保險主要有傳統終身人壽、萬能人壽和變額萬能人壽三大類。


Permanent Life insurance: Advantages and Disadvantages

永久人壽保險:優點和缺點


Advantages of Permanent Life Insurance include Its permanency - which lasts for your whole life, as long as you keep up with the premiums, your premiums and your death benefits remain the same, tax breaks - since the cash value in a whole life insurance policy is tax-deferred and you can borrow against the cash value of your policy after a certain point, which would be useful in an emergency.

永久人壽保險的優點包括它的永久性 - 只要您按時交保費,您的保費和死亡撫卹金保持不變,稅收減免 - 因為終身人壽保險單的現金價值是延稅的,您可以在某個時間點後以保單的現金價值借款,在緊急情況下對您很有幫助。


Disadvantages include the higher cost, a smaller death benefit than term life insurance, and a lack of control over your investments.

缺點包括費用較高、死亡撫卹金比定期人壽保險少,以及對您的投資缺乏控制。



Source 文章來源: insurance.ca.gov

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