什麼是最佳人壽保險期限或全部？
什麼是最佳人壽保險期限或全部？
 Whether to buy Term, Whole or another kind of life insurance depends on your need and desire for your life insurance coverage. If you are a person who has a hard time saving money, getting Whole Life insurance can serve the dual purpose of protecting your family in case of death but also generating a cash value to borrow from for emergencies or life events such as college or marriage. If you have a temporary need, such as wanting to be able to pay off a mortgage in the event of your death, Term Life Insurance costs less per thousand. It does not accumulate cash value and will expire at the end of the term. Universal Life or Indexed Universal Life is another choice. It can be guaranteed not to lapse for the rest of your life at a locked in premium, and is more adjustable than Whole Life. It can be made to generate very little cash value, so that it is affordable lifetime protection. Or it can be funded to have lots of cash value that can be borrowed from tax deferred for retirement income. A good life insurance agent will discuss your financial situation, your goals, and your options with you, and help you arrive at what is best for you.
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