人寿保险费用和定价解释

Some insurance companies charge more based on the level of service they provide, 公司的财务实力, 以及产品的灵活性. These attributes may increase the average cost of their life insurance policies, but they also improve the value of their policies. It’s important to look at all factors when evaluating the overall value of a policy.

购买人寿保险时要考虑的5件事.

1. 公司的力量

The policy you buy is only as good as the company that guarantees it. A company with a good track record and solid scores from ratings services such as Standard & 可怜的是,穆迪.M. 最好的, and Fitch can charge more because the company has the financial resources to weather extreme events, 就像战争, 金融危机, 或自然灾害.

Another factor to consider is corporate governance. Publicly traded companies traditionally make decisions based on their shareholders’ best interests, 即最大化利润和投资者回报. Mutual companies like best365亚洲版手机版 have no shareholders, so they don’t have to cater to their short-term concerns. 他们只对你，投保人负责. 这个观点可以带来很大的不同, especially when you are purchasing a product (like life insurance) that may not be “used” for 30 years or more.

2. 代理关系

How much do the company’s agents know about the products they sell? 他们对行业的变化了如指掌吗? Will they stay in touch after they sell you the policy? Will they review your needs periodically to make sure you’ve got the coverage you need as your life changes? 直接从网站上购买可能更便宜, but you most likely won’t get the same level of service. (看看我们上面提到的价值.)

3. 定制

Are you being offered a policy based on your specific needs or on the needs of the issuer? The availability of additional riders and tailor-made payment plans can make a company’s policies truly customizable, offering the flexibility you want to protect those you care about most.

4. 现金价值增长潜力

定期人寿保险 can be a smart solution that allows you to lock in your premiums for a set time period at a premium that may better fit your current budget. A 一生政策 gives you the ability to grow accessible cash value as you pay premiums and if non-guaranteed dividends are paid on the policy. 现金价值会随着时间增长.

If whole life insurance is not an option for you right now, some companies have a conversion privilege that lets you convert some or all your term life insurance to whole life during a time period spelled out in your policy. You may even want to consider purchasing a combination of term and whole life insurance.

5. 系列的产品

Bundling your policies may qualify you for a discount. Purchasing additional financial products that the insurance company may offer is convenient, 它可以节省你的时间和金钱.

¹ 溢价是针对一名35岁男性的, 额定select-preferred, paying monthly recurring premiums on a 整个人生 (AD 117) policy with a $250,000票面金额，无骑手. 其他价格类别可提供. 您的best365娱乐官方登录可能不同. Premiums are guaranteed for the life of the policy.

New York 人寿保险 Company is the issuer of best365亚洲版手机版 整个人生. In Oregon, the 整个人生 policy form number is ICC18217-50P (4/18) SMRU 1700123