30年期人壽保險是什麼意思？
30年期人壽保險是什麼意思？
 Thirty Year Term means that the policy will be in force for 30 years, at which time the policy may be renewed if that option is available or unless it converted to a permanent policy (again if that option is available), it will terminate. There are a couple different types of term policies. Level Term means the face amount will stay level for the term of the policy. This is most common. There is also decreasing term, meaning the face amount decreases over the term of the policy. This is usually used to cover a mortgage for example. There is also increasing term where the death benefit increases over the term of the policy. This is far less common. There are some term policies that allow for premium increases during the term of the policy so be careful and don't just assume the premium will stay level. I have seen some contracts that allow companies to increase premiums based on there mortality experience.
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