摘要:本文是一篇关于寿险需求分析的留学生保险学论文,在本文中,被保险人定期支付保费给保险公司,一旦政策被接受并且代替这一点,保险承诺在保险人死亡时或满一届定时间内支付一笔固定数额给保险人,以较早者为准。支付终身保险是一定的,但对于其保险采取的事件也不是很确定。
Ongoing income needs for expenses related to food, clothing, shelter and transportation. These income needs will vary in amount and duration, depending on a number of factors, such as age of your spouse, age of children, surviving spouse's capacity to earn income, your debt (including mortgages) and whether you want to provide funds for your surviving spouse's retirement.
Special funding needs, such as college funding, charitable bequests, funding a buy/sell agreement or business succession planning.
Analyze various ‘Family Needs’ if the family head dies !
The goal of the needs approach is meeting the total needs of the household after the death of a breadwinner, both at the time of the death and in the future. To calculate the amount of necessary life insurance according to this approach, add up all of your funding needs to determine the total needs of your beneficiaries. Include immediate needs, debt elimination, transitional funds, dependency funds, spousal life income funds, spousal education funds, children’s education funds, and retirement income funds. Subtract current insurance coverage and other available assets from this total. The difference, if any, represents an amount that life insurance proceeds and the income from future investment of those proceeds can cover.
The financial-needs analysis approach identifies survivors’ immediate cash needs and ongoing income needs, and assumes life insurance proceeds will be liquidated to meet them. This approach estimates the family’s financial needs if the client were to die today. It takes into account both immediate and ongoing needs. Because the purpose of life insurance is to fund the unfunded portion of these objectives, all existing funds that can provide part or all of these needs should be considered. For simplicity, you may suggest using 70 percent of the insured’s current income as the target level, rather than calculating each anticipated need. A higher or lower percentage may be more accurate depending on the family’s circumstances. Potential sources of income include Social Security, employer-provided plan benefits, group life insurance and the surviving spouse’s earnings.
These are the immediate lump sum cash needs at death, including administrative and burial expenses, tax liabilities, uninsured medical bills, estate settlement costs and debt liquidation.
Some financial journalists recommend that people have life insurance and liquid assets in amounts ranging from five to seven times their annual income. This simplistic approach is easy to explain and requires few computations. But it ignores specific information about assets your client has accumulated and other sources of funds such as trusts and inheritances, and thus may over insure or underinsure him. More sophisticated approaches translate your client’s needs into estimated costs, and evaluate assets and existing coverage to determine how much of the funding is already in place. Any deficit between the intended goals and current financial sources is usually a candidate’s additional coverage.
The monthly income that the breadwinner's spouse and dependents will need after that head's death.
Readjustment period income needs - a period of one or two years following the insured's death in which the family should receive the same income as when the
本论文由英语论文网提供整理,提供论文代写,英语论文代写,代写论文,代写英语论文,代写留学生论文,代写英文论文,留学生论文代写相关核心关键词搜索。