兩種不同型別的人壽保險是什麼？
兩種不同型別的人壽保險是什麼？
 Term and permanent life insurance are the two basic types. Term life insurance is for temporary needs where the coverage duration is known and finite. Most term policies are available for periods of up to 30 years and may feature level annual premiums. There is no cash surrender value in most products (except for return of premium term). At older ages, term rapidly becomes cost prohibitive and is generally not available for long durations. Term is a relatively simple product to understand and so affordable, it can fit most any budget. It is ideal in situations such as with young families who have a tight budget and need life insurance for protection for up to 30 years. For business situations, it is frequently used to fund buy-sell agreements to ensure the cash will be available for share purchases in the event of untimely death. For coverage that does not expire before you do, permanent (cash value) life insurance is more appropriate. Most term policies feature conversion without evidence of insurability to permanent policies later when they can better afford the premium for lifetime funding and coverage. Permanent life insurance variations - whole life, universal life, etc. - and are designed to provide lifetime death benefit protection that cannot be outlived. Cash values build over time which help make the premium you pay level over the life of the policy.
問答
保險問答 多語言問答