人壽保險做什麼？
人壽保險做什麼？
 Life insurance pays a specified amount of benefits to an individual or individuals known as beneficiaries upon the death of a person, known as the insured. Typically, these benefits are used to pay final expenses of the deceased and any other unpaid bills (i.e. mortgage, auto loans, etc.) that they might have incurred during their life. There are different kinds of life insurance coverage. Some life insurance can be in force for a specified amount of time and then expire. Other kinds can build cash value, allow the policyowner to take out a loan against the policy or it can even become paid up and you'll have it for the rest of your life and never have to make payments on it ever again. Premiums are the amount you'll pay per month to have the coverage. This amount will vary based on the type of coverage you want, the amount of the benefit, the age of the insured, occupation, hobbies and so on. Term life coverage usually offers the lowest premuim. It provides coverage for a specified amount of time, usually 10 to 30 years and then it expires if the insured is still alive. If the insured does pass away during the coverage period, then benefits are paid to the beneficiary. Other coverages like whole life and universal insurance are generally more expensive, but depending on your long term goals, it may be a better option for you.
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