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LIFE INSURANCE

Term Life Rates Table (月費價格表)


$250,000 Term Life (25萬美元的定期人壽)

Elite, Non-Smoker(健康,不抽煙人士有優惠)

年齡

 

10 years(10年定期)

20 years(20年定期)

30 years(30年定期)

Age 25~30

Female (女性)

$12.29

$15.44

$22.41

 

Male    (男性)

$12.74

$16.79

$25.11

Age 35

Female (女性)

$12.29

$16.11

$22.19

 

Male    (男性)

$12.96

$17.01

$25.34

Age 40

Female (女性)

$13.41

$21.51

$30.74

 

Male    (男性)

$14.31

$23.09

$36.36

Age 45

Female (女性)

$19.49

$32.54

$48.51

 

Male    (男性)

$20.61

$28.71

$57.96

Age 50

Female (女性)

$28.71

$43.34

$69.21

 

Male    (男性)

$30.06

$51.44

$87.21

All are monthly rates, varied by individual health situation. (價格都是每月的保費,根據個人的身體狀況而調整。)

 

What is Life Insurance? 

Life insurance gives you the peace of mind you only get from knowing that you've protected your loved ones.

In the event of your passing, life insurance provides money directly to your beneficiaries. They can use the money for whatever they want, such as:

  • Make up for your lost income
  • Fund your child's education
  • Paying off household debt
  • Paying for your funeral and other related expenses

In addition, Permanent Life Insurance offers a cash value component which can be put to good use during your lifetime.

 

Why do you need life insurance?

Life insurance isn't for the benefit of the person who is insured, it's for the insured's loved ones. Your family needs the guarantee of a comfortable financial future in the event that something should happen to you. A good life insurance policy can help you meet that goal.

The primary purpose of life insurance is to enable your family to continue their current lifestyle when and if you're no longer around. It is also designed to help meet specific needs that your family will have in the future.

Here are a few examples of how a good life insurance policy can protect your family:

* Life insurance will replace your lost income in the event that it goes away in the future.

* It can pay off your mortgage and provide your family with a debt-free home.

* Credit card and other consumer debts can be liquidated with life insurance benefits.

* An adequate life insurance policy will fund a quality education for your children.

* Final expenses can be paid from your life insurance proceeds, preventing the need for your spouse and/or children to have to deal with them at the worst possible time.

How much life insurance do you need?

As a general rule, a married couple with children should purchase a life insurance policy for at least 8-10 times the primary wage-earner's annual salary. But special circumstances may require more:

* Do you have a large mortgage on your home?

* Do you have one or more children that will eventually attend college?

* Do you have one or more family members who are long-term disabled or someone who will require extensive medical care?

If you answered yes to any of the questions above, you need to adjust the amount of life insurance coverage accordingly. It's wise to err on the side of too much coverage instead of not enough. Your life insurance agent can help you determine the amount of coverage that is best for you and your family.

Conclusion

Life insurance is insurance for your family's peace of mind. Their future standard of living may well depend on the life insurance decisions that you make today.

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