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保险与价值观

 Why Buy Life Insurance

When you drop a quarter into a slot machine, you know that your chances of winning are pretty slim. But risking a quarter (or perhaps much more than a quarter) may be worth it to you if the potential payoff is great enough. Insurance is a lot like that. You pay premiums not because you expect to die today, get into a car accident next week, or lose your home in a fire next month, but because the peace of mind it offers and the financial protection it could provide are worth it. You don't have to bear the risk of financial loss alone. Insurance is all about risk and financial protection.·                                  

·                                 安全观念 sense of protection(定心丸peace of mind

·     Why buy life insurance?  Life insurance is a smart decision for a number of reasons.  Life insurance is not only a tool to protect loved ones; it can also be a sound financial investment and planning tool.  Buying life insurance entitles the policyholder to the following protections and benefits:

       Buying life insurance protects your loved ones from income loss and financial catastrophe.  In the event of death, your life insurance policy can serve as replacement for some lost income so that family and loved ones do not endure financial hardship.

       A life insurance policy can pay for final costs and expenses.  Burial costs, estate planning, attorney and administration fees, debts, and medical expenses all contribute to high costs at time of death.  The decision to purchase life insurance gives loved ones the peace of mind that these financial burdens do not become lasting monetary hardship.

       Life insurance can also be an inheritance to possible heirs, even if you have no assets at time of death.

       Having the security of a life insurance policy cash payment at time of death can also pay for any possible estate taxes so heirs do not have to sell assets to cover any tax payments.

       A life insurance policy can also act as a savings account in some instances, which can be withdrawn or borrowed at the policyholder’s request.

       Life insurance can also be used to make a planned charitable contribution at the time of your death.

The decision to purchase life insurance should not be taken lightly.  If you have questions on how to buy life insurance or questions regarding the process to buy life insurance, we recommend you speak to a local licensed insurance agent to learn more.  Please feel free to contact the licensed life insurance agents listed on our site for further information on how to buy life insurance.

6 Reasons Why You Should Buy Life Insurance

 By Michael Lewis

Posted in: Insurance

For many people, their first experience with life insurance is when a friend or acquaintance gets an insurance license. In my case, a college friend, recently hired by a major insurance company, contacted me (along with all of his other friends) to buy a $10,000 policy underwritten by his company.

Unfortunately, however, this is how most people acquire life insurance – they don’t buy it, it is sold to them. But is life insurance something that you truly need, or is it merely an inconvenience shoved under your nose by a salesperson? While it may seem like the latter is true, there are actually many reasons why you should purchase life insurance.

Reasons to Buy Life Insurance

As I grew older, got married, started a family, and began a business, I realized that life insurance was indispensable and fundamental to a sound financial plan. Over the years, life insurance has given me peace of mind knowing that money would be available to protect my family and estate in a number of ways, including:

1. To Pay Final Expenses

The cost of a funeral and burial can easily run into the tens of thousands of dollars, and I don’t want my wife, parents, or children to suffer financially in addition to emotionally at my death.

2. To Cover Children’s Expenses

Like most fathers, I want to be sure my kids are well taken care of and can afford a quality college education. For this reason, additional coverage is absolutely essential while my kids are still at home.

3. To Replace the Spouse’s Income

If my wife had passed away while the kids were young, I would’ve needed to replace her income, which was essential to our lifestyle. I also would’ve needed to hire help for domestic tasks we’d shared like cleaning the house, laundry, cooking, helping with schoolwork, and carting kids to doctor’s visits.

4. To Pay Off Debts

In addition to providing income to cover everyday living expenses, my family would need insurance to cover debts like the mortgage so they wouldn’t have to sell the house to stay solvent.

5. To Buy a Business Partner’s Shares

Since I’m involved in a business partnership, I need insurance on my partner’s life. The reason is so if he dies, I will have enough cash to buy his interest from his heirs and pay his share of the company’s obligations without having to sell the company itself. He has the same needs (due to the risk that I might die), and he simultaneously purchased insurance on my life.

6. To Pay Off Estate Taxes

Estate taxes can be steep, so having insurance in place to pay them is essential to avoid jeopardizing assets or funds built for retirement. Use of insurance for this purpose is most common in large estates, and uses permanent (rather than term) insurance to ensure that coverage remains until the end of life.

  (www.yahoo.com)

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