(人寿保险)Life InsuranceVIP专享VIP免费

LifeInsuranceIntroductionLifeinsuranceproductsSomeadditionalfeaturesofLifeinsurancepoliciesWhatdoesitcost?Thepayout.其他种类的寿险决定保险费的因素赔付DiscussionWhydomanypeopledislikethinkingaboutunexpecteddeath?Whyisitsoimportanttohavefinancialresources?Thinkofsituationsinwhichfinancialresourcesareneededmost.Whatotherfinancialresourcesdoyouknowbesidesalifeinsuranceplan?DiscussionWithallkindsofgeneralinsurance,suchaspropertyorliability,youinsureagainsteventsthatmanyneverhappen.Howislifeinsurancedifferent,andwhyisitimportant?Liabilityinsurance：责任险IntroductionDefinitionsUsesoflifeinsuranceWhoshouldgetthemoneyThemaintypesoflifeinsuranceDefinitionLifeinsuranceisprimarilydesignedtoprovidesurvivingfamilymemberswiththecashneededtoreplacetheearningsofthefamilybreadwinnershouldthatpersonprematurelydead.Itcanalsobeusedasapartofasavingsprogramandforestateplanningpurpose.Usedproperly,lifeinsuranceisanimportantpartofaneffectivefinancialmanagementstrategy.Prematurely：过早地；贸然地UsesoflifeinsuranceLifeinsuranceistypicallyusedtoprovidefunds:1、topayfinalexpenses;2、toretireoutstandingdebts;3、fordependents’livingcostsandthechildren’seducation;outstanding1.凸出的outstandingears招风耳2.显著的;杰出的;重要的Sheisanoutstandingactress.她是一个杰出的演员。3.未解决的;未完成的;未偿付的Theoutstandingdebtsmustbepaidbytheendofthemonth.未了的债务须在月底前偿还。Usesoflifeinsurance4、toallowremainingpartnersorshareholdersinaprivately-heldbusinesstobuyouttheinsured’sinterestwithouthavingtosellorliquidatethebusiness;5、topaytaxesinordertopreservefamilyassetsforthenextgeneration;6、toendowcharities.liquidate：vt.清算;清偿;结束;换现款捐赠；资助；赋予；赐予Whoshouldgetthemoney?Theinsurancebemadepayabletospecificallynamedindividualscalledbeneficiaries.Inthiswayinsuranceispaiddirectly,bypassingmanylegalissuesthatcanarisewhenapersondies.Bypass：绕过，避开;不顾人寿保险的主要种类分红保险投资连结保险万能保险人寿保险的主要类型普通型人寿保险新型人寿保险终身寿险定期寿险两全保险年金保险……LifeAssuranceProductsEndowmentassuranceTermassuranceWholelifeassuranceUnit-linkedpoliciesCriticalillnesscoverPermanenthealthinsurance(PHI)AnnuityPersonalpensionplan养老保险；两全保险年金定期寿险终身人寿保险终身人寿保险投资连接保险重大疾病保险长期失能保险个人养老计划EndowmentinsuranceThisisalong-termsavingspolicywithlifecover.Thepolicyguaranteesthepolicyholderthesumassuredattheendofthepolicyterm.Thislumpsumpaymentisincreasedbyabonusthataccumulatesduringthepolicymatures,thebeneficiarieswillreceiveatleastthesumassured.Thepurposeofthistypeofpolicyistoprovidealumpsumpaymentattheendofthetermorinthecaseofprematuredeath.两全保险两全保险：以死亡或生存为给付条件的。在规定保险期限内，如果被保险人死亡，则保险人赔付死亡保险金，如果被保险人在保险满期仍存活，则保险人给付生存保险金。保险费通常采取均衡保费方式储蓄性极强分类：分红两全保险、非分红两全保险TerminsuranceCalledterminsurance（定期寿险）,thisisthesimplestandcheapestformoflifeinsurance.Termpoliciesofferinsuranceprotectionforaspecifiedperiodoftime(term)-typically,1,5,10,15,20or30yearsoruntilaspecificage(suchas65).保障定期寿险在保单约定的保险期限内，以死亡为给付条件的保险，保险金额在保单上载明。优点：保费低廉现金价值很低或者没有分类均衡保费定期寿险：通常缴费期与保险期相同递增保费定期寿险：保险人每年根据死亡风险...