為什麼需要人壽保險？
為什麼需要人壽保險？
 Video Transcript: Today's question is: Why do I need life insurance? You need life insurance if you have financial indebtedness, if you have beneficiaries that would have to pick up that tab if you were not there. We'd also need future obligations that you want to be able to make sure that you protect; it could be college planning, it could be retirement planning. Anytime you have obligations that you want to protect your beneficiaries from, whether it's indebtedness, future obligations, even charitable intent, you want to make sure that you're covered with life insurance. You can get coverage sometimes through group plans through work, you could buy individually, and sometimes you can buy small units with guaranteed underwriting so you don't have to go through the underwriting process. Even simplified underwriting can do it. Whether you're using full underwriting, simplified, or guaranteed, you can get the coverage that you need to protect your beneficiaries from the financial liability that you may incur.
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