誰需要最大的人壽保險？
誰需要最大的人壽保險？
 The amount of life insurance needed is really only limited by the income and assets being protected, insurability and the capacity to pay premiums. The maximum coverage most insurers will consider for someone under age 45 will be 25 times earned income. The earned income multiples grade down as you age. At older ages, net worth plays a bigger role in establishing maximum coverage. As for who would "need" the most, consider that ultra high net worth individuals will continue to buy life insurance for estate planning purposes as their wealth grows to deal with estate liquidity issues. At some point, insurer retention limits and reinsurance capacity limits are reached such that the theoretical limit of US life insurance coverage on an eligible life is about $250 million.
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