定期寿险

什么是定期寿险

定期寿险是指在保险合同约定的期间内，如果被保险人死亡，则保险公司按照约定的保险金额给付身故理赔金；若保险期限届满被保险人健在，则保险合同自然终止，保险公司不再承担保险责任。定期寿险的保险期限有10年、15年、20年、30年，或到约定的年龄如50岁等多项选择。

定期寿险的特点

- 低保费、高保障
- 时效性、消费型
- 免于遗嘱认证
- 没有现金价值，功能单一
- 随着被保人年龄增长续保成本激增

定期寿险的分类

01保费固定的定期寿险

可理解为定额定期寿险，通常保障期为20年。每月缴纳给保险公司固定金额的保费，如果被保人在保单期限内身故，保险公司将支付给受益人确定的身故赔偿金。该类产品是定期寿险中最常见的。例如，李先生投保了一份保额为25万美元的20年期定额定期保单，每月支付保费80美元，如果李先生在未来20年内不幸意外，则保险公司将支付保单受益人25万美元的身故赔偿金。

02每年可续保的定期寿险

每过一年，定期保险就会被续保，保费不再固定。由于投保人年长一岁，所以保费会逐年增加。总体来说，每年可续期的定期保险价格比保费固定的定期寿险贵。好处是，保证每年都能得到批准，适合需要短期保障的客户。

03保额递减的定期寿险

保额递减的定期寿险的身故理赔金在整个保险期间不断减少。保单的保费不变，但是赔偿金随着时间推移而递减。其目的是使保单赔偿金的减少与投保人未偿还的抵押贷款的减少相匹配。该产品底层逻辑是：如果我们的抵押贷款在减少，就不需要那么多的人寿保险赔偿金。总体来说，该产品较保费固定的定期寿险便宜，适合有房贷的客户。例如，李先生投保了一份保额递减的定期寿险，保额为50万美元，以后每年保额减少3万美元，以此类推。

04可退还保费的定期寿险

这类产品给活过了保单保障期的投保人退还保费。相当于没怎么花钱还获得了一定时间的保障。保费固定，保费比其它类定期寿险高出许多。该产品适合一些客户，他们拒绝长时间支付保费给毫无回报的定期寿险保单，他们认为选择可退还保费的定期寿险产品比较划算，因为期限到了就可以把扣除保单成本费用之外的保费拿回，万一保障期中身故，受益人还能得到理赔金，这样钱也不会打水漂。当然，投保人既然要拿回保费，就要事先支付更多。

05定期寿险适合群体

- 预算有限而保障需求较高的人
- 事业刚刚起步的年轻人
- 给员工提供福利的雇主
- 私营企业的合伙人
P.S.: 定期寿险可免费或有条件转成终身寿险。

6 reasons to buy life insurance.

Life insurance can give you lasting peace of mind in terms of the assurance that you have provided a legacy. That’s because the right coverage can offer a valuable combination of benefits, many guaranteed by the claims-paying ability of New York Life—so that you and your loved ones know exactly what you’re getting.3 Of course, you have to make a long-term commitment to paying premiums and keeping the policy in force.  Some of the most common reasons for buying life insurance include: 

1. Guaranteed protection
   If you have a family, a      business, or others who depend on you, the life insurance benefit of a      whole life policy acts as a financial safety net. When you die, your      beneficiaries will receive a lump-sum payment that is guaranteed to be      paid in full (provided all premiums are paid and there are no outstanding      loans). It’s essential protection that you can count on to be there for      your loved ones when needed.
2. Income replacement
   Imagine what would happen to      your family if the income you provide suddenly disappeared. With whole      life insurance, you can help make sure that your loved ones have the money      they need to help:

• Pay the mortgage
• Afford childcare, health care,      or other services 
• Cover tuition or other college      expenses 
• Eliminate household debt
• Preserve a family business

3. Tax-free benefit
Your beneficiaries will be able to enjoy every penny you leave them. That’s because the benefit of a life insurance policy is generally passed along federal income tax free.

4. Guaranteed cash value growth
As you pay your premiums, your Whole Life policy builds cash value that is guaranteed to grow—tax deferred—and can help meet a variety of financial goals: 

• Supplement retirement      income 
• Fund a child or grandchild’s      education 
• Pay off a mortgage 
• Protect existing assets 
• Establish an emergency      fund 

5. Dividend potential
One of the benefits of purchasing whole life insurance from New York Life is that you will be eligible to receive dividends.4 Although they are not guaranteed, when dividends are awarded, you can take them in cash, use them to offset your premiums, or use them to buy paid-up additional insurance that increases your coverage and cash value, use them to offset your premiums, or take them in cash.

6. Optional riders
There are several ways to tailor a whole life policy to meet your individual needs. For an additional cost, you can use riders to purchase additional protection without further underwriting, to pay your premiums if you become disabled, to use some of your face amount to pay for chronic illnesses, or to purchase coverage for your children. Your agent can help you decide if any of these riders are right for you.